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Patriot National Bancorp Inc

Patriot National Bancorp Inc

PNBK · NASDAQ · Financial Services / Banks - Regional

0.87USD+0.00 (+0.03%)

Price History

Full chart

Market Stats

Previous Close0.8697
Open0.87
Day Range0.85 – 0.90
52-Week Range0.86 – 2.00
Volume109.90K
Market Cap126.01M
P/E (TTM)0.00
Forward P/E23.75
EPS-0.01
Dividend Yield0.00%
Beta-0.67
50-Day Avg1.07
200-Day Avg1.27

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Steven Alan Sugarman J.D.
  • Employees107
  • Headquarters900 Bedford Street, Stamford, CT, United States, 06901, USA
  • Websitehttps://bankpatriot.com

Leadership

  • Mr. Steven Alan Sugarman J.D.CEO, President & Chairman of the Board · b. 1975
  • Mr. Carlos Pedro SalasEVP, CFO & Director · b. 1971
  • Mr. William Paul SimmonsExecutive VP & Chief Credit Officer · b. 1962
  • Mr. Patrick TromblySenior VP & Deputy Chief Credit Officer
  • Ms. Susan RaizerVP & Senior Underwriter

Financials

Income Statement

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue200.00K2.70M4.20M5.30M7.17M10.95M17.38M17.23M16.72M20.03M21.38M28.38M40.37M54.10M58.77M45.91M37.66M31.47M28.35M23.81M22.14M25.24M26.91M34.23M41.91M45.97M39.71M36.64M47.38M64.70M60.56M58.16M
Growth (%)-+1250.00%+55.56%+26.19%+35.35%+52.70%+58.66%-0.84%-2.98%+19.80%+6.75%+32.73%+42.25%+34.01%+8.64%-21.87%-17.98%-16.43%-9.91%-16.03%-7.03%+14.04%+6.61%+27.20%+22.43%+9.69%-13.63%-7.73%+29.32%+36.55%-6.41%-3.96%
Cost of Revenue200.00K1.60M1.90M2.50M3.20M5.29M8.34M7.12M5.23M6.15M7.56M11.38M19.11M27.84M39.83M37.45M21.19M15.97M5.04M5.82M2.97M2.94M5.47M6.10M13.68M23.19M15.92M6.59M12.64M37.89M44.74M30.23M
Gross Profit100.00K1.10M2.30M2.80M3.97M5.66M9.04M10.12M11.49M13.88M13.82M17.00M21.26M26.25M18.94M8.47M16.47M15.50M23.31M17.98M19.16M22.30M21.44M28.13M28.23M22.78M23.79M30.05M34.74M26.82M15.82M27.92M
Gross Margin50.00%40.74%54.76%52.83%55.39%51.68%51.99%58.70%68.70%69.29%64.62%59.90%52.66%48.53%32.23%18.44%43.74%49.24%82.22%75.54%86.58%88.35%79.67%82.18%67.36%49.56%59.91%82.01%73.33%41.45%26.12%48.01%
Operating Expense1.60M1.90M1.90M2.70M3.47M5.25M7.69M8.68M9.81M11.66M12.26M14.63M17.58M22.04M29.12M30.13M31.64M30.96M23.85M25.61M18.21M18.80M18.30M21.11M24.14M26.50M27.94M25.04M26.99M32.45M31.91M40.57M
Operating Income-1.50M-800.00K400.00K100.00K500.00K415.14K1.34M1.44M1.67M2.22M1.56M2.36M3.68M4.21M-10.18M-21.67M-15.17M-15.46M-536.00K-7.63M959.00K3.50M3.14M7.02M4.09M-3.72M-4.16M5.01M7.76M-5.63M-16.10M-12.65M
Operating Margin-750.00%-29.63%9.52%1.89%6.97%3.79%7.73%8.36%10.01%11.07%7.29%8.33%9.12%7.79%-17.32%-47.19%-40.29%-49.12%-1.89%-32.04%4.33%13.87%11.66%20.51%9.75%-8.08%-10.47%13.68%16.37%-8.71%-26.58%-21.75%
EBITDA-1.40M100.00K600.00K300.00K700.00K715.34K1.75M1.91M2.22M3.23M2.60M2.97M4.56M5.72M-8.53M-19.99M-13.66M-14.17M680.00K-6.41M2.04M4.54M4.35M8.29M5.62M-2.02M-2.56M6.65M9.23M-4.28M-14.74M-11.46M
EBITDA Margin-700.00%3.70%14.29%5.66%9.76%6.53%10.07%11.07%13.26%16.12%12.14%10.46%11.30%10.58%-14.51%-43.53%-36.27%-45.03%2.40%-26.94%9.23%17.99%16.15%24.22%13.41%-4.40%-6.43%18.14%19.47%-6.61%-24.35%-19.71%
Net Income-1.50M-700.00K300.00K300.00K600.00K348.64K767.17K876.39K1.05M1.34M926.40K1.41M2.42M2.68M-7.11M-23.88M-15.40M-15.46M-536.00K-7.29M15.71M2.14M1.93M4.15M3.20M-2.82M-3.82M5.09M6.16M-4.18M-39.88M-12.71M
Net Income Margin-750.00%-25.93%7.14%5.66%8.36%3.18%4.41%5.09%6.29%6.69%4.33%4.96%5.98%4.95%-12.10%-52.01%-40.89%-49.12%-1.89%-30.61%70.97%8.49%7.17%12.12%7.63%-6.13%-9.62%13.90%13.00%-6.46%-65.86%-21.85%
R&D-----------------00000000-------
R&D as % of Total Revenue-----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense100.00K1.30M1.70M2.30M3.10M4.74M8.02M6.87M4.76M5.59M7.01M10.27M18.07M27.77M28.54M24.36M13.47M8.51M7.42M4.85M2.97M2.69M3.01M6.96M12.38M18.22M13.75M7.09M10.75M30.46M32.28M28.73M
Interest Expense % of Total Revenue50.00%48.15%40.48%43.40%43.21%43.27%46.13%39.85%28.50%27.90%32.78%36.19%44.76%51.33%48.56%53.05%35.78%27.04%26.17%20.39%13.42%10.66%11.18%20.32%29.54%39.63%34.63%19.35%22.69%47.07%53.31%49.40%

Balance Sheet

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets23.00M43.30M53.60M75.10M102.30M177.19M197.63M202.57M248.50M342.47M405.05M470.64M645.98M807.53M913.36M866.42M784.32M665.82M617.86M541.25M632.62M653.36M756.65M852.08M951.70M979.84M880.73M948.48M1.04B1.09B1.01B1.09B
Total Liabilities17.50M38.50M48.50M69.60M90.20M163.96M181.20M185.16M229.95M323.69M385.29M439.27M581.70M740.69M854.58M830.56M717.15M615.27M568.29M499.41M573.89M591.89M694.08M785.33M882.36M912.84M817.51M881.14M983.78M1.05B1.01B993.16M
Total Equity5.50M4.80M5.10M5.50M12.10M13.24M16.43M17.41M18.54M18.78M19.76M31.37M64.28M66.84M58.77M35.86M67.17M50.55M49.57M41.84M58.73M61.46M62.57M66.75M69.34M66.99M63.22M67.34M59.58M44.38M4.26M94.68M
Cash12.70M12.40M13.40M18.50M29.00M32.56M3.57M7.54M5.39M4.02M6.67M7.22M3.87M2.76M4.29M97.54M136.78M54.72M70.30M34.87M73.26M85.40M92.29M48.73M66.44M39.40M34.64M47.05M38.49M52.52M147.57M186.39M
Total Debt800.00K800.00K700.00K700.00K600.00K888.69K945.27K839.28K10.29M31.30M16.25M17.25M16.25M62.75M65.25M65.25M65.25M65.25M65.25M65.25M128.25M142.03M159.48M141.37M130.98M130.90M120.81M120.72M115.19M201.10M33.07M16.45M
Net Debt-11.90M-11.60M-12.70M-17.80M-28.40M-31.67M-2.62M-6.70M4.91M27.28M9.58M10.03M12.38M59.99M60.96M-32.29M-71.53M10.53M-5.06M30.38M54.99M56.63M67.19M92.64M64.55M91.50M86.18M73.68M76.70M148.59M-114.50M-169.94M

Cash Flow

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-1.70M-2.30M700.00K400.00K800.00K915.31K1.20M2.14M2.15M3.16M2.13M3.12M4.33M4.44M1.47M-9.80M-2.89M-976.07K-3.15M-4.70M22.48M5.67M4.53M7.29M5.27M-11.91M6.28M7.60M7.04M-10.71M2.68M-14.17M
Investing Cash Flow-9.20M-19.00M-9.60M-16.30M-16.20M-71.62M-19.83M-11.57M-61.34M-78.07M-38.06M-106.79M-133.18M-202.55M-104.84M116.70M110.16M11.52M66.37M35.63M-59.92M-9.48M-99.11M-140.85M-26.88M-41.78M82.92M-55.20M-122.05M-27.18M135.01M-20.52M
Financing Cash Flow23.50M21.10M9.90M21.00M26.50M73.69M19.13M3.40M43.88M92.64M62.11M64.01M168.36M156.64M113.96M-23.70M-68.29M-101.90M-47.63M-67.08M75.83M15.95M101.47M90.00M39.32M26.66M-93.97M60.02M106.46M65.93M-41.62M79.21M
Capital Expenditure300.00K100.00K100.00K200.00K100.00K533.37K233.50K563.09K91.81K1.06M1.25M945.92K1.87M5.33M1.78M308.19K439.53K705.03K727.00K8.36M8.38M6.24M3.53M3.06M1.14M552.00K70.00K430.00K414.00K412.00K55.00K172.00K
Free Cash Flow-2.00M-2.40M600.00K200.00K700.00K381.94K969.45K1.58M2.06M2.10M877.97K2.17M2.46M-888.83K-305.51K-10.11M-3.33M-1.68M-3.88M-13.05M14.10M-563.00K996.00K4.23M4.13M-12.47M6.21M7.17M6.62M-11.13M2.63M-14.34M
Dividends Paid-------96.01K216.05K264.09K317.45K402.90K617.33K853.55K854.50K213.45K-00077.00K77.00K716.00K77.00K154.00K155.00K3.02M798.00K1.45M48.00K950.00K-
FCF to OCF117.65%104.35%85.71%50.00%87.50%41.73%80.59%73.67%95.74%66.48%41.23%69.65%56.88%-20.02%-20.78%103.15%115.20%172.23%123.05%278.04%62.73%-9.92%22.01%58.02%78.34%104.63%98.89%94.34%94.12%103.85%97.95%101.21%
Dividend Paid to FCF-------6.09%10.48%12.59%36.16%18.56%25.08%-96.03%-279.69%-2.11%-0.00%0.00%0.00%0.55%-13.68%71.89%1.82%3.73%-1.24%48.58%11.14%21.82%-0.43%36.15%-

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002May 14, 2003Aug 13, 2003Oct 25, 2003Mar 11, 2004May 6, 2004Aug 13, 2004Oct 25, 2004Mar 11, 2005May 6, 2005Aug 4, 2005Nov 10, 2005Mar 22, 2006May 10, 2006Aug 24, 2006Nov 10, 2006Mar 13, 2007Apr 27, 2007Jul 19, 2007Oct 29, 2007May 1, 2008Aug 7, 2008Nov 11, 2008May 11, 2009Aug 7, 2009Nov 9, 2009Mar 16, 2010May 10, 2010Aug 5, 2010Nov 9, 2010Mar 24, 2011May 13, 2011Aug 17, 2011Nov 9, 2011Mar 5, 2012May 16, 2012Aug 10, 2012Nov 8, 2012Mar 25, 2013May 14, 2013Aug 13, 2013Nov 14, 2013Mar 18, 2014May 20, 2014Aug 20, 2014Nov 11, 2014Mar 17, 2015May 6, 2015Jul 27, 2015Nov 3, 2015Mar 24, 2016Apr 28, 2016Jul 29, 2016Nov 14, 2016Mar 21, 2017May 9, 2017Jul 31, 2017Oct 31, 2017Feb 2, 2018May 4, 2018Aug 6, 2018Nov 14, 2018Feb 26, 2019May 15, 2019Aug 14, 2019Nov 13, 2019Mar 24, 2020Apr 29, 2020Aug 25, 2020Dec 1, 2020Mar 31, 2021Apr 2, 2021Jul 29, 2021Oct 29, 2021Feb 16, 2022May 5, 2022Aug 5, 2022Nov 10, 2022Mar 7, 2023May 12, 2023Aug 11, 2023Nov 14, 2023Feb 2, 2024May 15, 2024Aug 9, 2024Nov 12, 2024Mar 31, 2025May 13, 2025Aug 29, 2025Nov 28, 2025Mar 10, 2026Aug 14, 2026Nov 13, 2026
EPS Estimate-------------------------------------6.57-5.86-7.85-6.13-1.64--0.73-1.18-0.72-0.75------------1.401.40---------0.330.330.400.350.350.330.130.180.230.25-0.32-0.02--0.35------0.000.00--0.00-----0.000.000.00--
EPS Actual0.821.180.960.390.591.161.270.860.710.821.191.391.501.431.291.300.790.961.001.001.131.381.081.501.221.562.031.801.081.121.550.300.83-4.01-2.31-9.77-5.40-8.80-6.60-2.90-14.30-1.24-2.30-1.900.100.100.140.090.00-0.38-0.51-1.02-0.620.300.080.144.48-0.610.070.170.160.140.16-0.150.210.270.440.210.260.270.370.370.320.100.10-0.420.010.08-0.27-0.32-0.020.22-0.350.080.080.080.080.320.590.45-0.01-0.14-0.950.23-0.08-0.77-6.78-2.39-0.21-0.06-0.020.00-0.06-
Surprise------------------------------------17.81%-50.17%15.92%52.69%-771.95%--215.07%-61.02%113.89%113.33%-------------95.00%-87.86%----------18.18%12.12%-7.50%-8.57%-71.43%-69.70%-423.08%-94.44%-65.22%-208.00%0.00%0.00%-0.00%---------------------
Timing------------------------------------------After-hoursPre-marketAfter-hoursAfter-hours----------------After-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hours------Pre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hours-After-hoursPre-marketAfter-hoursAfter-hoursAfter-hours----After-hours

Key Statistics & Ratios

Market Cap126.01M
Enterprise Value18.31M
Trailing P/E0.00
Forward P/E23.75
PEG Ratio0.00
Price / Sales3.20
Price / Book1.30
EPS-0.01
Book Value0.756
Revenue (TTM)39.44M
Gross Profit (TTM)39.44M
Profit Margin-16.59%
Operating Margin-6.78%
Return on Equity-8.44%
Return on Assets-0.58%
Shares Outstanding118.74M
Shares Float62.52M
Beta-0.67
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
14.63%
Insiders
31.46%
Retail / Other
53.91%

Top Institutional Holders

  • Vanguard Capital Management, LLC
    4.40M3.71%
  • BlackRock Inc
    3.77M3.17%
  • Angel Oak Capital Advisors, LLC
    2.66M2.24%
  • CI Private Wealth LLC
    1.92M1.62%
  • Geode Capital Management, LLC
    1.86M1.56%
  • Northern Trust Corp
    831.92K0.70%
  • Millennium Management LLC
    752.66K0.63%
  • State Street Corp
    707.84K0.60%
  • Vanguard Fiduciary Trust Co
    631.62K0.53%
  • Vanguard Portfolio Management, LLC
    462.43K0.39%
  • Miracle Mile Advisors, INC.
    434.75K0.37%
  • HighTower Advisors, LLC
    295.03K0.25%
  • Lido Advisors, LLC
    275.38K0.23%
  • Axxcess Wealth Management, LLC
    213.33K0.18%
  • Aster Capital Management (DIFC) Ltd
    210.08K0.18%
  • Citadel Advisors Llc
    185.46K0.16%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    3.39M2.95%
  • Angel Oak Financial Strats Income Term
    2.69M2.34%
  • Fidelity Extended Market Index
    419.77K0.36%
  • iShares Micro-Cap ETF
    299.03K0.26%

Dividends

20194×
0.01Dec 6, 20190.01Aug 30, 20190.01Jun 3, 20190.01Mar 8, 2019
20184×
0.01Nov 23, 20180.01Aug 16, 20180.01May 16, 20180.01Feb 9, 2018
20173×
0.01Nov 8, 20170.01Oct 26, 20170.01Jul 20, 2017
20092×
0.01May 18, 20090.45Jan 2, 2009
20083×
0.45Oct 3, 20080.45Jun 27, 20080.45Apr 1, 2008
20074×
0.45Dec 28, 20070.45Sep 28, 20070.45Jun 29, 20070.45Mar 30, 2007
20064×
0.45Dec 28, 20060.45Oct 18, 20060.45Jun 30, 20060.40Mar 31, 2006

Stock Splits

  • Mar 4, 20151:10