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PATRIOT NATIONAL BANCORP INC PNBK

Nasdaq · stock · National Commercial Banks · website · IPO 1994-08-31 · LEI

PATRIOT NATIONAL BANCORP INC statistics & valuation

Market cap$112.9M
P / B1.2×
Return on equity-13.4%
Net debt$16.4M
Enterprise value USD$129.3M

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Gross margin (%)
2022202220232023202320242024202420252025
Operating margin (%)
2022202220232023202320242024202420252025
Return on equity (%)
10.30% -9.40% -935.10% -13.40% 2022202220232023202320242024202420252025
Shares outstanding
4.0M 4.0M 4.0M 4.0M 4.0M 4.0M 4.0M 4.0M 85.8M 115.0M 2022202220232023202320242024202420252025
Net debt ($)
$76.7M $201.1M $33.1M $16.4M 2022202220232023202320242024202420252025
Share buybacks ($)
2022202220232023202320242024202420252025
Return on assets (%)
0.60% -0.40% -3.90% -1.20% 2022202220232023202320242024202420252025
Free cash flow margin (%)
2022202220232023202320242024202420252025
Debt / equity (×)
1.93× 4.53× 7.76× 0.17× 2022202220232023202320242024202420252025
EPS ($)
$1.55 -$1.05 -$10.03 -$0.17 2022202220232023202320242024202420252025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

PATRIOT NATIONAL BANCORP INC trades at about 0.8× earnings — below its 10-year norm (10-year range 4.2×–28.6×, median 16.8×).

0.8× 28.6×

Shaded band = 10-year range (4.2×–28.6×); dot = today's 0.8×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2025FY2024FY2024FY2024FY2023FY2023FY2023FY2022FY2022
Return on assets-1.2%—-3.9%——-0.4%——0.6%—
Return on equity-13.4%—-935.1%——-9.4%——10.3%—
Debt / equity0.17×—7.76×——4.53×——1.93×—

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.