Patriot National Bancorp, Inc.

Patriot National Bancorp, Inc.

PNBKยทNASDAQ

$1.05

-0.45%
Financial ServicesBanks - Regional

Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, savings, prepaid deposit, on-line national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, small business administration, construction, purchased residential real estate, and various consumer loans. The company also offers automated clearing house transfers, lockbox, Internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. It operated through a network of eight branch offices located in Fairfield and New Haven Counties, Connecticut; and one branch offices located in Westchester County, New York. The company was founded in 1994 and is headquartered in Stamford, Connecticut.

At a Glance

Live Snapshot
Market Cap$123.48M
EPS-0.1600
P/E Ratio-6.56
Earnings Date08/10/2026
Patriot National Bancorp, Inc.

Patriot National Bancorp, Inc. Fair Value Envelope

PNBK ยท NASDAQ

Our analysis suggests that PNBK has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $1.05, this represents a potential HIDDEN relative to our calculated worth for Patriot National Bancorp, Inc..

Intrinsic Value
Current Price: $1.05

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$12.2M
+ Cash & Equivalents$186.4M
Firm Value$174.2M
- Debt$16.4M
Equity Value$157.7M
/ Shares Outstanding97,197,820B
DCF Value$2
UNDERVALUED BY 55%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$7.1M
-$3.5M
-$1.8M
-$885.6K
-$442.8K
-$221.4K
-$110.7K
-$55.4K
-$27.7K
-$13.8K
Maintenance CapEx
-$17.2K
-$8.6K
-$4.3K
-$2.2K
-$1.1K
-$538
-$269
-$134
-$67
-$34
Owner Earnings
-$7.1M
-$3.6M
-$1.8M
-$887.8K
-$443.9K
-$221.9K
-$111.0K
-$55.5K
-$27.7K
-$13.9K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$6.6M
-$3.0M
-$1.4M
-$652.5K
-$302.1K
-$139.9K
-$64.8K
-$30.0K
-$13.9K
-$6.4K
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.