US · PNBK
Patriot National Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Stamford, CT 06901
- Website
- bankpatriot.com
Price · as of 2024-12-31
$1.18
Market cap 134.66M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $143.72 | +12,079.66% |
| Intrinsic Value(DCF) | $0.57 | -51.69% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $21.87 | $500.78 | $83.25 | $0.00 | $118.08 |
| 2011 | $18.59 | $207.55 | $17.65 | $0.00 | $30.45 |
| 2012 | $15.60 | $36.23 | $17.94 | $12.21 | $0.20 |
| 2013 | $12.72 | $206.87 | $6.37 | $1.42 | $13.75 |
| 2014 | $14.96 | $1,892.85 | $12.20 | $35.66 | $5.85 |
| 2015 | $13.53 | $251.71 | $13.78 | $18.39 | $11.75 |
| 2016 | $14.71 | $97.34 | $14.32 | $18.27 | $7.05 |
| 2017 | $19.36 | $51.02 | $27.36 | $22.17 | $36.36 |
| 2018 | $14.61 | $89.03 | $97.86 | $20.82 | $24.20 |
| 2019 | $12.61 | $994.25 | $101.02 | $12.64 | $0.00 |
| 2020 | $10.11 | $477.68 | $13.77 | $10.93 | $4.73 |
| 2021 | $16.40 | $30.13 | $15.92 | $23.24 | $0.86 |
| 2022 | $10.53 | $62.87 | $15.32 | $22.61 | $56.55 |
| 2023 | $3.99 | $754.89 | $28.21 | $5.92 | $0.00 |
| 2024 | $1.17 | $143.72 | $0.80 | $0.00 | $0.00 |
AI valuation
Our deep-learning model estimates Patriot National Bancorp, Inc.'s (PNBK) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $143.72
- Current price
- $1.18
- AI upside
- +12,079.66%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$0.57
-51.69% upside
Graham-Dodd
—
— upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PNBK | Patriot National Bancorp,… | $1.18 | 134.66M | +12,080% | -52% | — | — | -0.39 | 3.65 | 0.26 | 8.05 | -0.05 | 3.78 | 26.12% | -26.58% | -65.86% | -163.96% | -76.19% | -3.79% | 7.75 | -0.50 | 0.18 | 0.18 | 7.77 | 85524.00% | -641.00% | -12362.00% | 16.90% | 0.00 | 12.44% | 0.00% | 0.00% | 1691.96% | 7.38 | -45.18 | -1.96 | -1.04 |
| AFBI | Affinity Bancshares, Inc. | $19.90 | 122.74M | +217% | -4% | +22% | -22% | 21.58 | 0.91 | 2.35 | 17.67 | — | 1.06 | 61.50% | 13.97% | 10.88% | 4.34% | 5.16% | 0.64% | 0.47 | 0.37 | 0.06 | 0.06 | 2.25 | -1531.00% | 1068.00% | -1328.00% | 5.42% | 0.01 | 6.04% | 0.00% | 0.00% | 0.00% | 19.54 | 21.42 | 2.73 | -0.57 |
| BSBK | Bogota Financial Corp. | $8.49 | 110.1M | +3,573% | +33% | +41% | -77% | 50.81 | 0.75 | 2.37 | 69.46 | — | 0.75 | 38.79% | 4.63% | 4.67% | 1.50% | 1.19% | 0.22% | 0.52 | 0.08 | — | — | 18.20 | -20000.00% | 390.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 87.54% | 69.46 | — | 3.22 | 0.32 |
| EBMT | Eagle Bancorp Montana, In… | $21.70 | 172.56M | 0% | -19% | -29% | -15% | 13.54 | 0.76 | 1.10 | 8.95 | — | 1.10 | 65.71% | 9.46% | 8.12% | 5.68% | 6.86% | 0.47% | 1.14 | 0.28 | 0.10 | 0.10 | 8.31 | -388.00% | 709.00% | -39855.00% | 10.92% | 0.02 | 10.14% | 3.43% | 46.40% | 35.23% | 15.94 | 12.55 | 1.51 | -0.68 |
| LSBK | Lake Shore Bancorp, Inc. | $15.48 | 121.14M | +713% | -17% | -17% | -47% | 17.74 | 0.97 | 2.30 | 1.23 | 270.53 | 0.98 | 67.82% | 15.39% | 12.94% | 5.60% | 55.27% | 0.70% | 0.11 | 0.43 | 0.16 | 0.16 | -3.46 | 656.00% | 472.00% | -5686.00% | 2.87% | 0.00 | 28.11% | 1.24% | 21.90% | 6.29% | 1.38 | 3.23 | 0.21 | -0.50 |
| MGYR | Magyar Bancorp, Inc. | $17.52 | 113.49M | +149% | +23% | +28% | +75% | 10.76 | 0.88 | 1.80 | 8.89 | 40.12 | 0.89 | 60.27% | 23.64% | 16.71% | 8.51% | 8.04% | 1.00% | 0.41 | 0.61 | 0.03 | 0.04 | 2.85 | 2683.00% | 1208.00% | 7826.00% | 9.34% | 0.01 | 8.08% | 1.74% | 18.70% | 2.54% | 9.50 | 13.36 | 2.24 | -0.68 |
| RMBI | Richmond Mutual Bancorpor… | $13.50 | 131.11M | +69% | -26% | -31% | +77% | 12.15 | 0.86 | 1.34 | 29.51 | 1105.58 | 0.87 | 50.19% | 12.77% | 11.03% | 7.01% | 3.96% | 0.63% | 1.99 | 0.26 | 0.16 | 0.16 | 20.40 | 110.00% | 1843.00% | 2433.00% | 12.54% | 0.01 | 6.04% | 5.00% | 60.80% | 16.29% | 32.34 | 24.59 | 4.13 | -0.52 |
| RVSB | Riverview Bancorp, Inc. | $5.35 | 110.8M | +484% | +34% | +5% | -26% | 23.69 | 0.73 | 1.59 | 18.64 | 85.28 | 0.87 | 68.97% | 8.52% | 6.70% | 3.11% | 2.99% | 0.32% | 0.66 | 0.28 | 0.04 | 0.04 | 7.96 | 2778.00% | 961.00% | -2219.00% | 4.78% | 0.01 | 3.38% | 2.18% | 51.70% | 19.11% | 28.58 | 32.08 | 2.43 | -0.71 |
| SBFG | SB Financial Group, Inc. | $20.76 | 130.76M | +977% | +29% | +39% | +105% | 9.44 | 0.93 | 1.45 | 7.34 | 34.54 | 1.33 | 70.91% | 23.86% | 15.35% | 10.40% | 27.15% | 0.96% | 0.53 | 0.85 | — | — | 0.16 | 2733.00% | 1187.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 26.57% | 5.83 | — | 1.39 | 0.34 |
| SFBC | Sound Financial Bancorp, … | $42.47 | 108.98M | +356% | +7% | -10% | -17% | 26.80 | 1.20 | 2.00 | 15.73 | — | 1.26 | 57.51% | 9.10% | 7.48% | 4.54% | 4.83% | 0.47% | 0.39 | 0.21 | 0.07 | 0.07 | -0.40 | -3706.00% | 1161.00% | -5567.00% | 2.30% | 0.00 | 2.97% | 1.57% | 42.00% | 9.61% | 20.13 | 39.80 | 1.83 | -0.67 |
| SRBK | SR Bancorp, Inc. Common s… | $16.55 | 126.94M | +3,410% | +204% | +38% | +37% | 24.46 | 0.65 | 2.51 | 11.91 | — | 0.75 | 66.30% | 12.24% | 10.26% | 2.61% | 3.16% | 0.49% | 0.17 | 0.37 | 0.07 | 0.07 | -2.90 | -13836.00% | 3042.00% | -24896.00% | 3.37% | 0.01 | 2.60% | 0.35% | 8.60% | 9.37% | 16.46 | 23.83 | 2.01 | -0.56 |
About Patriot National Bancorp, Inc.
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.
- CEO
- Steven Alan Sugarman
- Employees
- 129
- Beta
- -0.71
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($0.57 ÷ $1.18) − 1 = -51.69% (DCF, example).