Patriot National Bancorp Inc (PNBK) fair value: what the stock is really worth
We calculate from audited financials what Patriot National Bancorp Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
60‑month range $0.9027 – $17.40 · fair‑value band $0.0510 – $0.1105 · the $0.9800 price screens above the $0.0850 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 13, 2026.
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.
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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, time certificates of deposit, savings, prepaid deposit, online 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 operates in New York; Connecticut; New Jersey; and internationally. Patriot National Bancorp, Inc. was founded in 1994 and is headquartered in Stamford, Connecticut.
Stock analysis
Patriot National Bancorp Inc (PNBK) currently trades at $0.9800, while our model-based Fair Value estimate is $0.0850, implying the stock looks roughly 1,053.4% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $0.5700 per share, and 0 of the 3 models we run sit above the $0.9800 price.
Bear case: the Dividend Discount group reads lowest at $0.0900, and 3 of the 3 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.0510 (bear) to $0.1105 (bull), the price of $0.9800 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 28/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Patriot National Bancorp Inc reported revenue of $58.2M in FY2025 versus $36.6M in FY2021, a compound +12.2%/yr. Reported net income was −$12.7M in FY2025.
Key figures
Market cap $126M · P/E ratio 53.5 · P/S ratio 3.85 · EPS (TTM) $0.0200 · Dividend yield 0.8% · Net margin −21.9% · Return on equity −15.9% · Return on assets (EBIT) −0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 51% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at −91%, PNBK screens richer than that median.
Fair Value models
Bear $0.0510Fair Value $0.0850Bull $0.1105
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then ($0.0141 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.24/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−4.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.9%
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.1%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−10.5% (2020) → −21.8% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare Patriot National Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1077 stocks
Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score29 · Bottom 25%
Fair Value upside−91% · Bottom 25%
Profitability
Return on assets−1% · Bottom 25%
Net margin (TTM)−36% · Bottom 25%
Operating margin (TTM)−12% · Bottom 25%
Growth and dividend
Revenue growth77% · Top 25%
Dividend yield (TTM)0.8% · Bottom 25%
Balance sheet
Debt / equity0.17× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)53.5× · Priciest 25%
P/B1.33× · Pricier than median
P/S (TTM)3.85× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)100· sector 44
PAST (return on equity)0· sector 41
HEALTH (low debt)91· sector 85
DIVIDEND (yield)15· sector 52
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Patriot National Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/PNBK
Frequently asked questions
Is Patriot National Bancorp Inc (PNBK) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of $0.0850 versus a price of $0.9800, about −91% upside (overvalued).
What is the fair value of PNBK?
Our model-based fair value for Patriot National Bancorp Inc is $0.0850 (as of Sep 13, 2026), built from audited fundamentals. The current price: $0.9800.
What is the quality score of PNBK?
Patriot National Bancorp Inc has a Quality Score of 28/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Patriot National Bancorp Inc (PNBK)?
Our model-based price target is the fair value of $0.0850 (as of Sep 13, 2026) from 3 valuation models. Cautious scenario $0.0510, optimistic scenario $0.1105. It is a calculation from audited fundamentals, not an analyst target.
What is the Patriot National Bancorp Inc stock forecast for 2026?
Our models put fair value at $0.0850, about −91% upside versus a price of $0.9800 (overvalued). Cautious scenario $0.0510, optimistic scenario $0.1105. The calculation is refreshed regularly with new filings.
What is the revenue of Patriot National Bancorp Inc (PNBK)?
Patriot National Bancorp Inc reported trailing-twelve-month revenue of about $32.7M (latest available figure, as of Sep 13, 2026).
Does Patriot National Bancorp Inc pay a dividend?
Patriot National Bancorp Inc currently shows a dividend yield of about 0.76% relative to its recent price (as of Sep 13, 2026).
What is the intrinsic value of Patriot National Bancorp Inc (PNBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Patriot National Bancorp Inc it is $0.0850 per share (as of Sep 13, 2026), against a price of $0.9800. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Patriot National Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 13, 2026, PNBK trades above its calculated fair value: price $0.9800, fair value $0.0850, a gap of about −91% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PNBK?
No. The price is what the market pays today ($0.9800); the fair value is what the company's own numbers justify ($0.0850). For Patriot National Bancorp Inc the two are $0.8950 per share apart. That gap is exactly why we show both numbers side by side.
How much is Patriot National Bancorp Inc worth?
The market values Patriot National Bancorp Inc at about $126M (market capitalisation, as of Sep 13, 2026). Per share that is $0.9800; our models calculate a fair value of $0.0850 per share.
What do the bullish and bearish scenarios say about PNBK?
Our models span a range for Patriot National Bancorp Inc: cautious scenario $0.0510, base $0.0850, optimistic $0.1105 per share (as of Sep 13, 2026, price $0.9800). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PNBK?
Patriot National Bancorp Inc trades at a price-to-earnings ratio of 53.5 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.0850 is built from several models across several years. Other multiples: P/B 1.3, P/S 3.9.
How solid is the balance sheet of Patriot National Bancorp Inc (PNBK)?
Balance-sheet figures for Patriot National Bancorp Inc (as of Sep 13, 2026): return on equity −15.9%, debt of 0.17 per unit of equity. They feed the Quality Score of 28/100, which measures business quality independently of the share price.
How far is PNBK from its 52-week high?
Patriot National Bancorp Inc trades at $0.9800, about 51% below its 52-week high of $2.00 and 14% above the low of $0.8600 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0850 is for.
Which stocks are comparable to Patriot National Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Patriot National Bancorp Inc stock attractive at the current price?
The data as of Sep 13, 2026: price $0.9800, calculated fair value $0.0850 (−91%), Quality Score 28/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PNBK calculated?
We run Patriot National Bancorp Inc through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0850, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.8 % above its aggregate fair value. Patriot National Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What should I pay attention to with Patriot National Bancorp Inc right now?
The price sits above even our optimistic bull case ($0.1105). The favourable scenario is already priced in. Weak quality (28/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($0.0510 to $0.1105) leaves room in how you read the outcome.
Key figures of Patriot National Bancorp Inc
How large is the market capitalisation of Patriot National Bancorp Inc (PNBK)?
The market capitalisation of Patriot National Bancorp Inc is $126M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Patriot National Bancorp Inc (PNBK)?
The price-to-sales ratio of Patriot National Bancorp Inc is 3.85 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Patriot National Bancorp Inc (PNBK)?
Earnings per share at Patriot National Bancorp Inc are $0.0200 (price ÷ EPS = P/E 53.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Patriot National Bancorp Inc (PNBK)?
The dividend yield of Patriot National Bancorp Inc is 0.8% (payout 37.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Patriot National Bancorp Inc (PNBK)?
The net margin of Patriot National Bancorp Inc is −21.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Patriot National Bancorp Inc (PNBK)?
The return on equity (ROE) of Patriot National Bancorp Inc is −15.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Patriot National Bancorp Inc (PNBK)?
On an EBIT basis the return on assets of Patriot National Bancorp Inc is −0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Patriot National Bancorp Inc (PNBK)?
The operating margin of Patriot National Bancorp Inc is −12.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Patriot National Bancorp Inc (PNBK)?
Revenue at Patriot National Bancorp Inc is growing +76.6% versus a year earlier (3y avg +7.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Patriot National Bancorp Inc (PNBK)?
Earnings per share at Patriot National Bancorp Inc are growing −48.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Patriot National Bancorp Inc (PNBK) generate?
The free cash flow of Patriot National Bancorp Inc is −$14.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Patriot National Bancorp Inc (PNBK) hold?
Patriot National Bancorp Inc holds more cash than debt, $170M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 13, 2026