Patriot National Bancorp, Inc. (PNBK) Stock Score, Valuation & Financial Research
Patriot National Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 19/100.
Quick answer for PNBK
Patriot National Bancorp, Inc. currently has a Wall Street Score of 19/100. The stored market price is $0.98. Its financial score is 25/100. Its valuation score is 0/100. These figures are a research snapshot, not a buy or sell recommendation.
What Patriot National Bancorp, Inc. does
Patriot National Bancorp, Inc. functions as the parent company for Patriot Bank, N.A., providing a full spectrum of community banking solutions. Its services cater to individuals, small and medium-sized businesses, and professionals. The bank offers a diverse range of deposit products, including standard checking accounts, interest-bearing negotiable order of withdrawal (NOW) accounts, money market accounts, savings accounts, and prepaid deposit accounts. Specialized options like online national money market accounts, individual retirement accounts (IRAs), and health savings accounts (HSAs) are also available, alongside certificate of deposit account registry service (CDARS). In terms of lending, Patriot National Bancorp's portfolio comprises commercial real estate loans, business loans (including Small Business Administration-backed options), construction financing, purchased residentia
PNBK financial snapshot
- Wall Street Score:
- 19/100
- Current price:
- $0.98
- Market capitalization:
- $115.2M
- Revenue:
- $61.0M
- Net income:
- $-11.7M
- Free cash flow:
- $-14.3M
- Cash:
- $93.4M
- Total debt:
- $26.5M
- EPS:
- -0.16
- Financial score:
- 25/100
- Valuation score:
- 0/100
- Revenue score:
- 9/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $-14.3M, showing cash burn in the current stored period.
- The balance sheet shows $93.4M of cash versus $26.5M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 0/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 25/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research PNBK
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.