$1.05
-0.45%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.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
PNBK โข NASDAQ
| Patriot National Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 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 |
PNBK - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
Continue your PNBK research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.