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+23.0%
5Y+46.0%
10Y+116.0%
3Y-306.0%
5Y+233.0%
10Y-759.0%
3Y-301.0%
5Y-326.0%
10Y-413.0%
Patriot National Bancorp, Inc.

Patriot National Bancorp, Inc. Profit Bridge

PNBK ยท NASDAQ
Revenue58.16M
Cost of Goods Sold (30.23M)
Gross Profit27.92M
Operating Expenses (40.57M)
Operating Income-12.65M
Interest Expense (28.73M)
Other Income/Expense0.00
Pretax Income-12.65M
Income Tax (59.00K)
Net Income-12.71M
Net Income
-12.71M

Profitability Analysis

Gross Margin

48.0%

Strong gross margins indicate healthy pricing and efficient production or service delivery.

Operating Margin

-21.8%

Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.

Net Profit Margin

-21.9%

Net losses indicate the company is burning cash. Sustainability depends on path to profitability.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

Patriot National Bancorp, Inc. Income Statement

PNBK โ€ข NASDAQ

Patriot National Bancorp, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
58.2M
60.6M
64.7M
47.4M
36.6M
39.7M
46M
41.9M
34.2M
26.9M
25.2M
22.1M
23.8M
28.4M
31.5M
37.7M
45.9M
58.8M
54.1M
40.4M
GROSS PROFIT
(30.2M)
(44.7M)
(37.9M)
(12.6M)
(6.6M)
(15.9M)
(23.2M)
(13.7M)
(6.1M)
(5.5M)
(2.9M)
(3M)
(5.8M)
(5M)
(16M)
(21.2M)
(37.4M)
(39.8M)
(27.8M)
(19.1M)
27.9M
15.8M
26.8M
34.7M
30.1M
23.8M
22.8M
28.2M
28.1M
21.4M
22.3M
19.2M
18M
23.3M
15.5M
16.5M
8.5M
18.9M
26.3M
21.3M
OPERATING INCOME
(40.6M)
(31.9M)
(32.5M)
(27M)
(25M)
(27.9M)
(26.5M)
(24.1M)
(21.1M)
(18.3M)
(18.8M)
(18.2M)
(25.6M)
(23.8M)
(31M)
(31.6M)
(30.1M)
(29.1M)
(22M)
(17.6M)
(23M)
(18.6M)
(18.1M)
(16M)
(11.6M)
(15.1M)
(15.7M)
(13.4M)
(12.6M)
(11M)
(11.4M)
(9.8M)
(11.5M)
(12.6M)
(15.1M)
(15.9M)
(18.8M)
(12.9M)
(12.6M)
(11.1M)
-12.7M
-16.1M
-5.6M
7.8M
5M
-4.2M
-3.7M
4.1M
7M
3.1M
3.5M
959K
-7.6M
-536K
-15.5M
-15.2M
-21.7M
-10.2M
4.2M
3.7M
PRE-TAX INCOME
(28.7M)
(32.3M)
(30.5M)
(10.8M)
(7.1M)
(13.8M)
(18.2M)
(12.4M)
(7M)
(3M)
(2.7M)
(3M)
(4.9M)
(7.4M)
(8.5M)
(13.5M)
(24.4M)
(28.5M)
(27.8M)
(18.1M)
18.9M
19.8M
28M
32.9M
25M
23.8M
25M
27.5M
25.5M
22M
20.8M
17.2M
16.7M
17.7M
19.6M
21.9M
18.3M
26.4M
24.1M
19.9M
(17.6M)
(13.3M)
(14.3M)
(11M)
(13.4M)
(12.9M)
(10.8M)
(10.7M)
(8.5M)
(7.3M)
(7.4M)
(8.4M)
(14.1M)
(11.2M)
(15.8M)
(15.7M)
(11.4M)
(16.2M)
(9.5M)
(6.4M)
-12.7M
-16.1M
-5.6M
7.8M
5M
-4.2M
-3.7M
4.1M
7M
3.1M
3.5M
959K
-7.6M
-536K
-15.5M
-15.2M
-21.7M
-10.2M
4.2M
3.7M
NET INCOME
(59K)
(23.8M)
-1.5M
(1.6M)
-81K
-337K
-899K
(890K)
(2.9M)
(1.2M)
(1.4M)
-14.8M
-339K
(0.0)
(0.0)
(225K)
(2.2M)
-3.1M
(1.5M)
(1.3M)
-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

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