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
3Y-301.0%
5Y-326.0%
10Y-413.0%
3Y-83.0%
5Y-125.0%
10Y-79.0%
3Y-26.0%
5Y-184.0%
10Y-22.0%
PNBK

Patriot National Bancorp, Inc. Cash Conversion Engine

PNBK ยท NASDAQ
Net Income-12.71M
Depreciation & Amortization1.19M
Stock-Based Compensation5.23M
Change in Working Capital1.35M
Others-9.29M
Capital Expenditures-172.00K
Free Cash Flow-14.34M

Cash Flow Quality Analysis

FCF Conversion Rate

112.8%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

-1.2%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-645.7%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

+$1.35M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Patriot National Bancorp, Inc. Cash Flow Statement

PNBK โ€ข NASDAQ

Patriot National Bancorp, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
-12.7M
-39.9M
-4.2M
6.2M
5.1M
-3.8M
-2.8M
3.2M
4.1M
1.9M
2.1M
15.7M
-7.3M
-536K
-15.5M
-15.4M
-23.9M
-7.1M
2.7M
2.4M
1.2M
1.4M
1.4M
1.5M
1.6M
1.6M
1.7M
1.5M
1.3M
1.2M
1M
1.1M
1.2M
1.2M
1.3M
1.5M
1.7M
1.7M
1.5M
878.5K
59K
23.8M
-4.2M
1.5M
-261K
-323K
-1.1M
-265K
2.3M
1.1M
1.1M
-14.8M
0.0
0.0
0.0
0.0
8.6M
-5.9M
-258K
-498.3K
5.2M
184K
105K
86K
150K
159K
214K
220K
146K
161K
461K
275K
131K
306K
0.0
0.0
0.0
0.0
0.0
0.0
-9.3M
16.7M
-5.1M
2.2M
-856K
13.7M
-9.1M
1.6M
-36K
2.8M
796K
21.4M
2M
-5.6M
7M
8.9M
12.2M
15.1M
36.5K
1.7M
(0.0)
(66K)
(3.5M)
(102K)
(140K)
(0.0)
(22K)
(1.2M)
(515K)
(360K)
(3K)
(3K)
(3K)
(10K)
(10.5K)
(2.1K)
(1.2M)
(1.8M)
(0.0)
(0.0)
1.3M
505K
1.3M
-4.4M
1.8M
-5.1M
-766K
-1M
-494K
-2.7M
151K
-1.2M
-704K
1.4M
6.2M
2.1M
-8.4M
-2.3M
475.5K
-143.3K
-14.2M
2.7M
-10.7M
7M
7.6M
6.3M
-11.9M
5.3M
7.3M
4.5M
5.7M
22.5M
-4.7M
-3.2M
-976.1K
-2.9M
-9.8M
1.5M
4.4M
4.3M
INVESTING ACTIVITIES
-172K
-55K
-412K
-414K
-430K
-70K
-552K
-1.1M
-3.1M
-3.5M
-6.2M
-8.4M
-8.3M
-616K
-685K
-173.1K
-308.2K
-1.8M
-5.3M
-1.9M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-5.1M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-145.2M
-2.3M
-10.4M
-19.3M
-136.1M
-11.2M
-18.1M
-19.4M
-21.5M
-3M
-2M
-614K
(0.0)
-23K
-66.6M
-18.7M
-34.3M
-20.2M
-16.4M
-2.9M
8.8M
12M
6.1M
10.3M
89.4M
9.9M
10.9M
39.8M
19.3M
7.9M
6.3M
4.5M
2.6M
24.5M
39M
24.4M
39.2M
30.3M
15.6M
13.1M
116M
125.4M
-22.5M
-112.6M
-8M
84.4M
-34.1M
-41M
-135.6M
-100.4M
-7.6M
-55.4M
41.3M
42.5M
39.8M
104.6M
112.1M
-113.2M
-196.4M
-141.5M
-20.5M
(135M)
-27.2M
-122.1M
-55.2M
(82.9M)
-41.8M
-26.9M
-140.9M
-99.1M
-9.5M
-59.9M
(35.6M)
(66.4M)
(11.5M)
(110.2M)
(116.7M)
-104.8M
-202.5M
-133.2M
FINANCING ACTIVITIES
85.6M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-2K
-1M
0.0
0.0
0.0
0.0
0.0
46.2M
0.0
-109.5K
50.6K
30.7M
-6M
-168.2M
85.8M
-5.2M
-203K
-10.2M
-195K
-20.3M
-18.2M
17.5M
11.9M
63M
7M
0.0
0.0
0.0
0.0
2.5M
46.5M
-1M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-155K
-154K
-77K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-213.5K
-854.5K
-853.5K
-617.3K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-2K
-1M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-160K
(0.0)
(0.0)
-5.8M
126.6M
-19.9M
111.7M
60.2M
-83.8M
27M
59.8M
108.3M
85M
4M
12.8M
-74.1M
-47.6M
-101.9M
-114.5M
-23.5M
112.4M
110.9M
139.2M
79.2M
-41.6M
65.9M
106.5M
60M
-94M
26.7M
39.3M
90M
101.5M
16M
75.8M
-67.1M
-47.6M
-101.9M
-68.3M
-23.7M
114M
156.6M
168.4M
CASH FLOW SUMMARY
44.5M
96.1M
28M
-8.6M
12.4M
-4.8M
-27M
17.7M
-43.6M
6.9M
12.1M
38.4M
-36.1M
15.6M
-91.4M
39M
83.2M
10.6M
-41.5M
39.5M
162.6M
66.5M
38.5M
47M
34.6M
39.4M
66.4M
48.7M
92.3M
85.4M
73.3M
34.9M
71M
55.4M
146.8M
107.8M
24.6M
14M
55.5M
16M
207.1M
162.6M
66.5M
38.5M
47M
34.6M
39.4M
66.4M
48.7M
92.3M
85.4M
73.3M
34.9M
71M
55.4M
146.8M
107.8M
24.6M
14M
55.5M
-14.3M
2.6M
-11.1M
6.6M
7.2M
6.2M
-12.5M
4.1M
4.2M
996K
-563K
14.1M
-13.1M
-3.9M
-1.7M
-3.3M
-10.1M
-305.5K
-888.8K
2.5M

SEC Filings

PNBK - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 26, 2026
May 20, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 15, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 06, 2026
May 05, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 24, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 27, 2026
May 20, 2026
2026
8-K

8-K 2026

N/A

April 08, 2026
April 02, 2026
2026
10-K

10-K 2025 FY

FY

March 31, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 10, 2026
March 10, 2026
2026
8-K

8-K 2025

N/A

December 31, 2025
December 31, 2025
2025
8-K

8-K 2025

N/A

December 22, 2025
December 18, 2025
2025
Showing 1 to 10 of 372 filings