Patriot National Bancorp, Inc.
$1.10-0.9%YTD-37.6%1Y-28.1%
Mentions · last 7 days
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Price updated 20h ago·X counts updated 2d ago
AI verdict & sentimentAI analysisGenerated by AI from underlying data
Today's AI verdict on what's driving $PNBK, plus how loud the X conversation is and which way it's leaning.
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Banks - Regional sits in its cycle right now — and what that implies for $PNBK.
Banks - Regional
No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.
What this means for $PNBK
Neutral — Community bank holding company serving individuals and small businesses with deposits, loans, and wealth management in the northeastern U.S; limited read-through from banks - regional macro dynamics to this specific revenue mix.
Top industry ETF
$KRESPDR S&P Regional Banking ETF
+19.9%YTD
+24.5%1Y
Fundamentals & catalyst
Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.
Key ratios
P/E
-8.6How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.ROIC
-9.0%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.Op margin
-19.1%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.FCF yield
-8.4%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).P/S
2.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.ROE
-13.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.Gross margin
53.5%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.D/E
0.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.Past earnings
QuarterReportedActualEstimateSurprise
Q1 2026May 15, 2026$-0.02$0.25-108.0%
Q4 2025Mar 31, 2026$-0.02$0.25-108.0%
Q3 2025Nov 14, 2025$-0.03$0.25-112.0%
Q2 2025Aug 14, 2025$-0.06$0.25-124.0%
Next earningsFri, Nov 13·consensus EPS $0.26
Quarterly trend
QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$18.0M+18.4%58.4%-9.7%$-0.02$-3.5M
Q4 FY25$15.7M+10.7%62.0%-13.7%$-0.02$-4.1M
Q3 FY25$13.7M-7.6%55.6%-19.4%$-0.03$-5.3M
Q2 FY25$13.5M-11.3%34.6%-37.4%$-0.06$918K
Forward consensus
FYRevenueRangeEPSRangeAnalysts
FY26$29.5M$29.5M – $29.5M$1.43$1.43 – $1.431
FY27$29.5M$29.5M – $29.5M$1.43$1.43 – $1.431
FY28$30.2M$30.2M – $30.2M$0.64$0.64 – $0.641
FY29$33.4M$33.4M – $33.4M$1.01$1.01 – $1.011
Setup & momentum
Volume, range, and moving-average position — the technical setup driving short-term moves.
Right now
Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.21%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-0.4%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-15.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatMid float · 82.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.2% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β-0.645-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.
Insider activity
Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.
SEC filings
Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.
Recent material filings
8-KPress release / Reg FDJul 318-K — Item 7.01: Press release / Reg FD
AI summary
8-KPress release / Reg FDJul 138-K — Item 7.01: Press release / Reg FD
AI summary
8-KPress release / Reg FDJul 18-K — Item 7.01: Press release / Reg FD
AI summary
8-KShareholder voteMay 268-K — Item 5.07: Shareholder vote
AI summary
8-KPress release / Reg FDMay 68-K — Item 7.01: Press release / Reg FD
AI summary
8-KMaterial agreementApr 288-K — Item 1.01: Material agreement · Item 5.02: Officer or director change
+ 11 other (2 10-Qs · 2 8-Ks · 2 3s · 1 13G) in window
Recent news
Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.
More in Banks - Regional
Peers in the same group — one click to compare setups, fundamentals, and chatter.
Voices on X · last 7 days
No standout posts about $PNBK on X in the last 7 days.