Patriot National Bancorp(NASDAQ) PNBK

Market Cap$131.79M

Since IPO (1994)-98%

5 Year-87%

1 Year-27%

1 Month+4%

$1.10

-1.79%

-0.02Today

Patriot National Bancorp last closing stock price
Metric	Price	Date
Last close	USD 1.12	2026-07-24

Patriot National Bancorp stock price return by period
Period	Price return	Price at period start	Period start date
1 week	-5.88%	USD 1.19	2026-07-17
1 month	+3.7%	USD 1.08	2026-06-24
3 month	-14.5%	USD 1.31	2026-04-24
Year to date	-38.46%	USD 1.82	2025-12-31
1 year	-27.27%	USD 1.54	2025-07-24
3 year	-87.27%	USD 8.80	2023-07-25
5 year	-87.3%	USD 8.82	2021-07-23
Since inception	-98.2%	USD 62.06	1994-08-31

Patriot National Bancorp Financials at a Glance

Market Cap

$131.79M

Revenue (TTM)

$60.96M

Net Income (TTM)

-$11.69M

EPS (TTM)

-$0.13

P/E Ratio

-8.92

Dividend

$0.00

Beta (Volatility)

0.42 (Low)

Dividend

$0.00

Beta (Volatility)

0.42 (Low)

Price

$1.10

Volume

175,710

Open

$1.13

Price

$1.10

Volume

175,710

Open

$1.13

Previous Close

$1.11

Daily Range

$1.06 - $1.13

52-Week Range

$0.86 - $2.00

Estimated Earnings Date

Aug 10, 2026

Dividend

$0.00

Beta (Volatility)

0.42 (Low)

Price

$1.10

Volume

175,710

Open

$1.13

Previous Close

$1.11

Daily Range

$1.06 - $1.13

52-Week Range

$0.86 - $2.00

Estimated Earnings Date

Aug 10, 2026

PNBK News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Patriot National Bancorp

Patriot National Bancorp helps people and businesses manage money and access loans. Its services support everyday banking needs and digital payments for companies. The bank’s products aim to make financial transactions easier for local communities and fintech clients.

Products and Services

Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses.
Commercial Real Estate Loans: Loans for real estate (about 58% of loan portfolio).
Digital Payments: Payment processing and deposit services for fintechs and institutional clients (about 31% of total deposits).
Residential Real Estate Loans: Personal loans secured by residential mortgages (13% of loan portfolio).
Treasury Services: Online banking, bill pay, and cash management tools for businesses.

Growth and Expansion

Raised over $90 million in equity through private placements and direct offerings in 2025.
Opened a new office in Beverly Hills, California in the first quarter of 2026 to reach West Coast clients.
Exited non-core products, such as unsecured consumer loans and some real estate lending, in 2025.
Launched new lending programs for high-net-worth and institutional clients in 2025.
Shifted focus to digital payments and institutional banking, expanding non-interest income sources.

What Makes Patriot National Bancorp Stand Out

The bank specializes in digital payments and institutional banking, serving fintechs and program managers. It has repositioned its balance sheet for higher liquidity and reduced risk. Enhanced risk controls and compliance efforts follow regulatory requirements and industry changes.

Five Things You Need to Know

Total interest and dividend income was $47.8 million in 2025, down from $52.4 million in 2024.
Digital payment fee income grew 93.1% in 2025, reaching $9.9 million.
Net loss improved to $(12.7) million in 2025 from $(39.9) million in 2024.
Deposits totaled $965.8 million at year-end 2025, with 30.8% from digital payments clients.

Bottom Line

Patriot National Bancorp has shifted from traditional community banking to focus on digital payments and institutional services. The company continues to adapt its business model and risk controls to meet regulatory and market demands.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

107

CEO

Steven Alan Sugarman

Website

www.bankpatriot.com

Headquarters

Stamford, CT 06901, US

PNBK Financials

Key Financial Metrics (TTM)

Gross Margin

53.45%

Operating Margin

-19.06%

Net Income Margin

-19.17%

Return on Equity

-13.51%

Return on Capital

-11.38%

Return on Assets

-0.99%

Earnings Yield

-11.21%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$131.79M

Shares Outstanding

117.67M

Volume

175.71K

Avg. Volume

518.55K

Financials (TTM)

Gross Profit

$32.58M

Operating Income

-$11.62M

EBITDA

-$10.51M

Operating Cash Flow

-$11.27M

Capital Expenditure

-$647.00K

Free Cash Flow

-$11.92M

Cash & ST Invst.

$222.92M

Total Debt

$26.46M

Patriot National Bancorp Performance Analysis

Patriot National Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal year	Period end	Revenue	YoY growth
2022	2022-12-31	USD 47,617,000	29.5%
2023	2023-12-31	USD 64,962,000	36.4%
2024	2024-12-31	USD 60,724,000	-6.5%
2025	2025-12-31	USD 58,357,000	-3.9%

Patriot National Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-06-30	-10.9%
Q3	2025-09-30	1.7%
Q4	2025-12-31	14.5%
Q1	2026-03-31	14.2%

Patriot National Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal year	Period end	Diluted EPS	YoY growth
2022	2022-12-31	USD 1.55	20.6%
2023	2023-12-31	USD -1.05	N/A
2024	2024-12-31	USD -10.03	851.7%
2025	2025-12-31	USD -0.17	-98.3%

Patriot National Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-06-30	5.3%
Q3	2025-09-30	46.9%
Q4	2025-12-31	41.8%
Q1	2026-03-31	-13.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name

Q1 2026YOY CHG

Revenue

$17.97M

+18.4%

Gross Profit

$10.50M

+79.7%

Gross Margin

58.45%

N/A

Market Cap

$131.79M

N/A

Market Cap/Employee

$1.23M

N/A

Employees

107

N/A

Net Income

-$1.76M

+36.8%

EBITDA

-$1.53M

+38.5%

Quarterly Fundamentals

Name

Q1 2026YOY CHG

Total Cash

$222.92M

+84.2%

Total Debt

$26.46M

+10.3%

Accounts Receivable

$6.27M

+24.3%

Inventory

$0.00

N/A

Long Term Debt

$26.46M

+10.3%

Short Term Debt

$0.00

N/A

Return on Assets

-0.99%

N/A

Return on Invested Capital

-9.05%

N/A

Free Cash Flow

-$3.46M

+41.2%

Operating Cash Flow

-$2.91M

+49.9%

Other Investments to Explore

People Also Watch

SymbolSymbol / CompanyCompanyPricePrice Chg

LSBKLake Shore Bancorp, Inc.

LSBKLake Shore Bancorp, Inc.$17.20+0.00%

AFBIAffinity Bancshares, Inc.

AFBIAffinity Bancshares, Inc.$22.98+0.13%

SRBKSR Bancorp, Inc. Common stock

SRBKSR Bancorp, Inc. Common stock$19.27+0.94%

MGYRMagyar Bancorp, Inc.

MGYRMagyar Bancorp, Inc.$18.34+0.25%

BSBKBogota Financial Corp.

BSBKBogota Financial Corp.$8.95-1.00%

RMBIRichmond Mutual Bancorporation, Inc.

RMBIRichmond Mutual Bancorporation, Inc.$15.40-1.03%

RVSBRiverview Bancorp, Inc.

RVSBRiverview Bancorp, Inc.$5.32+0.76%

Trending Stocks

SymbolSymbol / CompanyCompanyPricePrice Chg

NVDGraniteShares ETF Trust - GraniteShares 2x ShortDA Daily ETF

NVDGraniteShares ETF Trust - GraniteShares 2x ShortDA Daily ETF$5.25+0.10%

AALAmerican Airlines Group

AALAmerican Airlines Group$14.95+0.03%

TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x Shares

TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x Shares$7.24-0.02%

TAT&T

TAT&T$24.42+0.01%

TQQQProShares Trust - ProShares UltraPro Qqq

TQQQProShares Trust - ProShares UltraPro Qqq$63.40-0.01%

ONDSOndas

ONDSOndas$8.02+0.03%

SPCXSpace Exploration Technologies

SPCXSpace Exploration Technologies$113.50-0.01%

Questions About PNBK

What is the current price of Patriot National Bancorp?

Patriot National Bancorp is trading at $1.11 per share.

What is the 52-week range for Patriot National Bancorp?

Over the past 52 weeks, Patriot National Bancorp has traded between $0.86 and $2.00.

How much debt does Patriot National Bancorp have?

As of the most recent reporting period, Patriot National Bancorp reported total debt of $26.46M.

How much cash does Patriot National Bancorp have on hand?

Patriot National Bancorp does not have cash on hand data available.

What is Patriot National Bancorp’s dividend yield?

Patriot National Bancorp does not currently have a dividend yield.

Patriot National Bancorp(NASDAQ) PNBK

Patriot National Bancorp Financials at a Glance

PNBK News

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

About Patriot National Bancorp

Products and Services

Growth and Expansion

What Makes Patriot National Bancorp Stand Out

Five Things You Need to Know

Bottom Line

PNBK Financials

Key Financial Metrics (TTM)

Stock Overview

Financials (TTM)

Patriot National Bancorp Performance Analysis

Revenue Growth Rate

Earnings Per Share Growth Rate

Quarterly Performance

Quarterly Fundamentals

Other Investments to Explore

People Also Watch

Trending Stocks

Questions About PNBK

What is the current price of Patriot National Bancorp?

What is the 52-week range for Patriot National Bancorp?

How much debt does Patriot National Bancorp have?

How much cash does Patriot National Bancorp have on hand?

What is Patriot National Bancorp’s dividend yield?

Premium Investing Services