Stock Ratings / Financials / PNBK / insiders

BOTJ (59) FUSB (66) AUBN (56) OPHC (69) ⌘ Pro Terminal →

Patriot National Bancorp Inc. (PNBK) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$0.83 -1.31% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.83

Patriot National Bancorp Inc. (PNBK) carries a Roarable Rating of D- (Sell) with 36/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (36/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • RED ALERT Cap $100.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PNBK Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PNBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-02, Patriot National Bancorp Inc. (NASDAQ: PNBK) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 36/100 at a spot price of $0.83 (-1.31% 1D, market cap $100.2M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, PNBK ranks #972 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PNBK compare to BOTJ and FUSB in the Financials sector?

▼

Within the Financials sector (Major Banks), PNBK carries a Roarable D- (36/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -13.4%. By comparison, BOTJ (Bank of the James Financial Group Inc.) holds a C- grade (59/100 RQD, P/E 11.9x, ROIC 11.3%, cap $107.5M) and FUSB (First US Bancshares Inc.) posts a C+ grade (66/100 RQD, P/E 15.3x, ROIC 5.7%, cap $91.4M). Among the 5-stock peer group, OPHC leads on earnings multiple (6.9x) while OPHC leads on capital efficiency (13.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PNBK?

▼

Per PNBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001098146), Patriot National Bancorp Inc. generated $0 in revenue, -$12.7M in net income, and -$14.3M in free cash flow against $1.09B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $0.83 (-0.43%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (36/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.3% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-9.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PNBK)Realized 20D OHLCV Swing Band: ±12%

Deterministic 5-Pillar Attribution (36/100 Composite)

🔍 WHY PNBK SCORES 36/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+13/20 pts (36% of score)

20D Institutional Volume Accumulation (±12% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$0.90-11.1% Next Q

Q2 (-2Q)

Grade D$0.80+1.3% Next Q

Q3 (-1Q)

Grade E$0.81+2.5% Next Q

Current

Grade D-$0.83-8.3% Hist 90D α

Trajectory: D (44) → D- (36)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a PNBK Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While PNBK currently carries a cautious 36/100 (D-) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.94) and Max Pain ($0.87) forces dealer call-delta covering toward $2.10.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PNBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PNBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 36%NO 64%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

PNBK Smart-Money Thermometer: NET EXECUTIVE TRIMMING / PROFIT-TAKING

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (PNBK)

No recent open-market Form 4 cluster sales or emergency dumps flagged on PNBK. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PNBK)

✓Walkthrough of PNBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PNBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -24.55%▼ DESCENDING CHANNEL

2026-11-02O $0.90H $0.90L $0.83C $0.83VOL 66.7K

RES: $0.97SUP: $0.76SMA50: $0.94SMA200: $1.16

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PNBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PNBK Butterfly Map → + Track PNBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PNBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PNBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PNBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PNBK)

Financials Rank #972 of 1096 ⚔️ BOTJ vs PNBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (PNBK vs. BOTJ, FUSB, AUBN, OPHC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Patriot National Bancorp Inc. (PNBK) ranks #972 by composite RQD confidence (36/100, grade D-) and #957 by equity capitalization ($100.2M). Within this direct 5-issuer industry benchmark cohort, OPHC leads on earnings valuation at 6.9x trailing P/E, while OPHC leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. OPHC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with PNBK at 36/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PNBK ACTIVE Patriot National Bancorp Inc.	D-	36/100	—	—	-13.4%	-1.31%	$100.2M	Benchmark Subject
BOTJ Bank of the James Financial Group Inc.	C-	59/100	11.9x	—	11.3%	+0.38%	$107.5M	/botj-vs-pnbk →
FUSB First US Bancshares Inc.	C+	66/100	15.3x	—	5.7%	-0.66%	$91.4M	/fusb-vs-pnbk →
AUBN Auburn National Bancorporation Inc.	D+	56/100	—	—	—	0.00%	$89.6M	/aubn-vs-pnbk →
OPHC OptimumBank Holdings Inc.	C+	69/100	6.9x	—	13.7%	+0.33%	$115.1M	/ophc-vs-pnbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001098146

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Patriot National Bancorp Inc. (PNBK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$12.7M, operating cash flow of -$14.2M, and free cash flow of -$14.3M (-645.7% YoY). On the balance sheet, PNBK closed FY2025 with $1.09B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	-$12.7M	-$14.2M	-$14.3M	$1.09B	—
FY2024 (FY)	2024-12-31	$0	-$39.9M	$2.7M	$2.6M	$1.01B	—
FY2023 (FY)	2023-12-31	$0	-$4.2M	-$10.7M	-$10.7M	—	—

3. PNBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PNBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does PNBK compare to BOTJ and FUSB in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for PNBK?

Where is PNBK trading relative to its 50-day, 200-day, and 52-week technical levels?

PNBK last traded at $0.83 (-1.31% on volume of 158,137 shares), positioning the stock -11.70% below its 50-day simple moving average ($0.94) and -28.45% below its 200-day simple moving average ($1.16). Across its 52-week range of $0.80 to $2.00, PNBK sits at the 2.5% percentile with a 14-day RSI of 50.4 (NEUTRAL RANGE) and an implied next-earnings move of ±12.0% ($1.00 to $0.93).

PNBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are PNBK insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies PNBK leadership and institutional positioning as: NET EXECUTIVE TRIMMING / PROFIT-TAKING.

Direct Sub-Reports: PNBK RQD Cockpit PNBK 12M Forecast PNBK Earnings & Move PNBK Dividends & DRIP PNBK Insiders & 13F PNBK Whale Options PNBK Profit Sankey PNBK News & Why

ROARABLE RATING BRIEF • RQD 36/100 (D-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

PNBK — Patriot National Bancorp Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:44:06Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, PNBK scores 36 out of 100 with a letter grade of D- and a verdict label of "Roarable Sell — Vulnerable Balance Sheet & Flow." The five pillars are: Fundamental Cash Engine at 2/20 (ROIC -13.4%; FCF yield -14.31%), Whale 13F Flow at 13/20 (institutional accumulation and options positioning), Insider Conviction at 3/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 8/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 10/20 (Altman Z 2.5; Piotroski F 1/9; Debt/Equity 0.5).

For a prospective investor, the weakest pillars are the cash engine and insider conviction, both of which point to negative economics and limited insider confidence signals in the source data. The strongest relative pillar is institutional flow at 13/20, which indicates some positioning activity but does not by itself offset the weak cash generation. The forensic balance sheet score is mid-range: the Altman Z of 2.5 and Debt/Equity of 0.5 are not the only inputs, but the Piotroski F of 1/9 is a weak reading. Upside drivers would need to come from a reversal in cash generation, which the source data does not show. Valuation tradeoffs are hard to assess because P/E, forward P/E, and EV/EBITDA are not available in source data, so the stock's price of $0.84 cannot be benchmarked against earnings here. The Macro Regime Fit pillar reflects a beta of 1.0, meaning the stock is sensitive to broad market moves without a reported defensive offset.

Business

Patriot National Bancorp Inc. (PNBK) is a NASDAQ-listed company classified in the Financials sector and the Major Banks industry, per the Profile section. The source data does not describe its specific products, customer base, or revenue model. Revenue is reported as $0.0M in each period in the SEC financials, so the source data does not establish how the company generates income. Not available in source data for further business detail.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$-12.7M	N/A	$-14.3M	N/A	N/A
FY 2024	$0.0M	$0.0M	$-39.9M	N/A	$2.6M	N/A	N/A
FY 2023	$0.0M	$0.0M	$-4.2M	N/A	$-10.7M	N/A	N/A

Per the SEC financials, net income was negative in all three reported fiscal years, with FY 2025 at $-12.7M and FY 2024 at $-39.9M. Per the market data section, gross, operating, and net margins are each reported as 0%, and ROIC is -13.4%. The Altman Z-Score of 2.5 and Piotroski F-Score of 1/9 are cited in the Roarable RQD rating; the Altman Z-Score is shown without a stated zone classification in the source data. Debt/Equity is cited as 0.5. Cash and debt balances are not available in source data.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts section, the feed contains six items, all tied to PNBK:

Insider Form 4 filings: Steven Sugarman (Director, President and CEO) appears in two items, one referencing 1 October and one referencing 14 October. Carlos P. Salas (Director, EVP & Chief Financial Officer) appears with a 28 October reference. William Paul Simmons (EVP & Chief Credit Officer) appears with a 28 October reference. These are rated YELLOW under "MARKET WIRE."
Market action: One item reports the stock sliding 2.29% to $0.83 near lower support, rated RED under "RISK WATCH."
A historical reference to a Q1 2019 earnings miss of roughly 70%, rated RED under "RISK WATCH." This item concerns a prior period and should be weighed accordingly.

Per the Butterfly Supply-Chain Graph, the supply chain is listed as "NONE," with no butterfly links and no proprietary signals.

Open Questions

What are the company's core revenue sources, given that revenue is reported as $0.0M in every period?
What are the cash and debt balances, which are listed as N/A across all reported periods?
What is the basis for the Altman Z-Score zone and the Piotroski F-Score components?
What drove the FY 2024 net loss of $-39.9M compared with the smaller losses in FY 2025 and FY 2023?
What is the nature of the insider Form 4 filings and do they represent purchases, sales, or grants?

PNBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Patriot National Bancorp Inc. (PNBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PNBK Debate Forum (3) ↓

🟡 MARKET WIRE Investing.com Nigeria • 6h ago

Form 4 Patriot National Bancorp Inc: Steven Sugarman (Director, President and CEO) For: 1 October

Investing.com Nigeria report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH https://www.siam.in/ • 9h ago

Patriot National Bancorp (PNBK) Slips 2.29% to $0.83 as Shares Hover Near Lower Support - Stop Loss Guidance

https://www.siam.in/ report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com South Africa • 12h ago

Form 4 Patriot National Bancorp Inc: Carlos P. Salas (Director, EVP & Chief Financial Officer) For: 28 October

Investing.com South Africa report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH https://www.dars.gov.et/ • 18h ago

PNBK Q1 2019 Earnings: A 70% EPS Miss That the Stock Mostly Shrugged Off - Net Profit Margin

https://www.dars.gov.et/ report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com India • 21h ago

Form 4 Patriot National Bancorp Inc: William Paul Simmons (EVP & Chief Credit Officer) For: 28 October

Investing.com India report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 180d ago

Patriot National Bancorp Insider Buyers Pleased With US$294k Return On Investment

Insiders who purchased Patriot National Bancorp, Inc. ( NASDAQ:PNBK ) shares in the past 12 months are unlikely to be...

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 133d ago

Patriot Bank Expands into Palm Beach and the South Florida Market

PALM BEACH, Fla., June 22, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A. (“Patriot Bank”), the wholly owned subsidiary of Patriot National Bancorp, Inc. (NASDAQ: PNBK), today announced its expansion into the South Florida

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 124d ago

Patriot Bank’s Formal Agreement With the OCC Has Been Terminated

STAMFORD, Conn., July 01, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A. (“Patriot Bank”), the wholly owned subsidiary of Patriot National Bancorp, Inc. (NASDAQ: PNBK), announced today that its Formal Agreement with the Off

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PNBK Bull vs. Bear Conversation Board — What's Your Call at $0.83?

🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PNBK 🐻 67% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH 🎯 Target: $0.74 (-11.9%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is PNBK (D- • RQD 36/100) a Buy at $0.84?

Welcome to the PNBK (Patriot National Bancorp Inc.) Roar Pit. Current RQD Composite is 36/100 (Roarable Sell — Vulnerable Balance Sheet & Flow) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $0.68 (-19.0%)

Spot @ $0.84

Pump the brakes on PNBK — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on PNBK, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Patriot National Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

TA TapeReader_Pro Verified K Arena Trader 🐂 BULLISH 🎯 Target: $1.07 (+27.4%)

Spot @ $0.84

PNBK cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on PNBK, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $0.84 (52-wk range $0.77 - $0.95), any beat on forward guidance forces shorts and underweight funds to chase.