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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±12% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9
Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
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.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.94) and Max Pain ($0.87) forces dealer call-delta covering toward $2.10.
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.
Patriot National Bancorp Inc. (PNBK) slipped -1.31% to $0.83, trading at 2% of its 52-week range ($0.8 – $2). Stretched risk/reward at current multiples (-13% return on capital) under elevated 10-year interest-rate pressure.
Investing.com Nigeria report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.
Investing.com South Africa report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.
https://www.dars.gov.et/ report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.
Investing.com India report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.
Insiders who purchased Patriot National Bancorp, Inc. ( NASDAQ:PNBK ) shares in the past 12 months are unlikely to be...
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
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
DeWitt Hutchins appointed as Patriot Bank’s Connecticut Market President servicing the needs of high-net-worth families and their advisorsSophia Salinas and Robert Black join Patriot Bank's Greenwich team, further expand
Patriot Bank opens flagship banking center and Founders Club lounge in Beverly Hills.New location launches with over $100 million in deposits from high-net-worth families, entrepreneurs, and business leaders throughout S
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PNBK today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PNBK. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why PNBK Stock slipped -1.31% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-13% return on capital) under elevated 10-year interest-rate pressure.
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.
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.
| 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.
Per the recent news and catalysts section, the feed contains six items, all tied to PNBK:
Per the Butterfly Supply-Chain Graph, the supply chain is listed as "NONE," with no butterfly links and no proprietary signals.
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
Investing.com Nigeria report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.
Investing.com South Africa report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.
https://www.dars.gov.et/ report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.
Investing.com India report covering Patriot National Bancorp Inc. (PNBK) market action, institutional positioning, and fundamental catalysts.
Insiders who purchased Patriot National Bancorp, Inc. ( NASDAQ:PNBK ) shares in the past 12 months are unlikely to be...
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
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
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.
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.
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.
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