Patriot National Bancorp (PNBK) Key Ratios
$0.95
As on 10-Sep-2026 12:33EDT
Market cap
$132 Mln
Revenue (TTM)
$67 Mln
P/E Ratio
--
P/B Ratio
1.4
Div. Yield
0 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 8.53 | 44.35 | 33.65 | 4.67 | 13.42 |
| EBIT | -- | -- | 35.21 | -228.38 | -233.01 |
| Net Profit | 108.15 | 102.86 | 85.22 | -232.99 | -274.28 |
| EPS | 105.42 | 101.90 | 99.09 | -149.27 | -196.17 |
| Book Value | -- | -- | 13.43 | -56.91 | -40.32 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| -19.01 | -5.40 | -9.81 | -21.75 | -26.58 |
| Net Margin
| -- | -- | -9.77 | -- | -- |
| Return on equity
| -65.90 | -36.04 | -7.13 | -25.69 | -163.96 |
| Return on Capital
| -15.77 | -8.24 | -- | -17.12 | -28.20 |
| Return on Assets
| -1.80 | -0.84 | -0.37 | -1.21 | -3.79 |
| Debt to Equity (x)
| -- | -- | 0.19 | 0.17 | 7.75 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
-17.12
|
-28.20
|
-1.99
|
3.40
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
-7.13
Lower than Peers by 17.02
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
-7.13
|
-25.69
|
-163.96
|
-8.04
|
9.71
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
-0.37
Lower than Peers by 1.33
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
-0.37
|
-1.21
|
-3.79
|
-0.39
|
0.62
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
-9.81
Lower than Peers by 30.66
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
-9.81
|
-21.75
|
-26.58
|
-8.71
|
16.37
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
-9.77
Lower than Peers by 29.88
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
-9.77
|
-21.85
|
-65.86
|
-6.46
|
13.00
|
|
Peer Median
|
20.11
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Lower than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
33.65
Higher than Peers by 22.54
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
33.65
|
-0.04
|
-0.06
|
0.37
|
0.29
|
|
Peer Median
|
11.10
|
--
|
--
|
--
|
--
|
EBIT Growth
35.21
Higher than Peers by 46.70
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
35.21
|
21.41
|
-185.76
|
-172.62
|
54.74
|
|
Peer Median
|
-11.50
|
--
|
--
|
--
|
--
|
Net Profit Growth
85.22
Higher than Peers by 77.95
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
85.22
|
68.13
|
-854.34
|
-167.83
|
20.95
|
|
Peer Median
|
7.27
|
--
|
--
|
--
|
--
|
EPS Growth
99.09
Higher than Peers by 93.25
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
99.09
|
0.98
|
-8.51
|
-1.67
|
0.21
|
|
Peer Median
|
5.84
|
--
|
--
|
--
|
--
|
Book Value Growth
-10.66
Lower than Peers by 19.40
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
-10.66
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.74
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.19
Lower than Peers by 0.03
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
0.19
|
0.17
|
7.75
|
4.53
|
1.93
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
--
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
--
|
0.84
|
3.87
|
0.94
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
--
--
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
0.44
|
0.18
|
0.10
|
0.15
|
|
Peer Median
|
0.30
|
--
|
--
|
--
|
--
|
Quick Ratio
--
--
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
--
|
--
|
0.17
|
-0.76
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
0.72
Lower than Peers by 1.04
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
0.72
|
-0.44
|
-0.50
|
-0.18
|
0.72
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
9.76
Higher than Peers by 2.83
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
9.76
|
8.37
|
9.06
|
11.16
|
15.34
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.04
Lower than Peers by 0.01
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
0.04
|
0.06
|
0.06
|
0.06
|
0.05
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
32.52
|
38.32
|
40.89
|
50.45
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
--
|
-487.67
|
3,530.98
|
10,684.37
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
--
|
--
|
8,295.36
|
23,250.92
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
--
|
--
|
-4,723.49
|
-12,516.10
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
--
--
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
-11.19
|
-0.19
|
-3.64
|
6.77
|
|
Peer Median
|
12.95
|
--
|
--
|
--
|
--
|
Price / Book Value
1.42
Higher than Peers by 0.10
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
1.42
|
1.50
|
1.82
|
0.34
|
0.70
|
|
Peer Median
|
1.32
|
--
|
--
|
--
|
--
|
Dividend Yield
--
--
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.45
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
--
|
20.70
|
8.58
|
-33.44
|
3.67
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
132
Lower than Peers by 185
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Patriot National Bancorp (PNBK)
|
132
|
--
|
--
|
--
|
--
|
|
Peer Median
|
317
|
--
|
--
|
--
|
--
|