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PATRIOT NATIONAL BANCORP INC

PNBK

$0.82 ▼ -0.07 (-8.20%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

PATRIOT NATIONAL BANCORP INC faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $63.0M

Dividend Yield —

Revenue Growth 4.2% ↗

Op. Margin -42.7% ↗

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 1.0x

FCF Yield —

Debt / Equity 0.17

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$29.63M

↑ +4.2% —

Net Income Profit after all expenses

$-12.71M

↑ +68.1% —

Operating Margin Operating profit as % of sales

-42.7%

↑ +24.6% 6th

Long-Term Debt Long-term obligations

$16.45M

↓ -50.3% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.01 Latest / share

FY 2014

$0.00

FY 2015

$0.00

FY 2016

FY 2017

FY 2018

$0.01

FY 2019

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Financial view

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Choose the reporting cadence, isolate a period range, or search directly for a metric.

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	4.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	-17.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-393%)	-6.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-207%)	24.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+303%)	13.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+127%)	-6.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-206%)	-5.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-196%)	8.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+39%)	14.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+135%)	6.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	17.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+192%)	0.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-100%)	-8.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-246%)	-9.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-255%)	-5.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-185%)	13.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+127%)	—	—
EPS Growth YoY (%)	98.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-855.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	20.9% Good Good Year-over-year change in earnings per share Optimal: > 10%	N/M	-34.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-22.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	116.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-10.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-86.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—	—	—
Net Income Growth YoY (%)	68.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-854.3% Weak Weak Year-over-year change in net income	N/M	20.9% Good Good Year-over-year change in net income	N/M	-35.6% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-22.9% Weak ↓ Weak Declining Year-over-year change in net income	114.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-9.9% Weak ↑ Weak Improving Year-over-year change in net income	-86.4% Weak ↑ Weak Improving Year-over-year change in net income	N/M	-1259.5% Weak ↓ Weak Declining Year-over-year change in net income	96.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-0.4% Weak Weak Year-over-year change in net income	35.5% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-7.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	12.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-6.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-7.7% Weak Weak Compound annual revenue growth over 3 years	-0.8% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	0.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	3.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	9.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	0.6% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-1.6% Weak Weak Compound annual revenue growth over 5 years	-2.3% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	—	16.3% Excellent Excellent Compound annual EPS growth over 3 years	—	—	14.2% Good Good Compound annual EPS growth over 3 years	-36.2% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	-42.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-271%)	-56.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-326%)	-16.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-165%)	21.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	16.9% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	-15.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-164%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	-0.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-147.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	-42.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-295%)	-140.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-737%)	-12.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-155%)	16.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	17.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	-14.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-166%)	-10.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-146%)	10.8% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	15.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	8.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	9.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	81.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+271%)	-37.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-272%)	-2.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	-66.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-402%)	-62.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-386%)	-110.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-604%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-3.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	-2.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-13.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-212%)	—	-9.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-178%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	7.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	-6.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-150%)	-4.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-135%)	4.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	26.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+123%)	-17.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-245%)	-1.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-109%)	-30.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-355%)	-22.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-291%)	-66.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-655%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.17x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	7.76x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+547%)	4.53x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+278%)	1.93x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+61%)	1.79x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+49%)	1.91x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+59%)	1.95x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+63%)	1.89x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+57%)	2.12x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+77%)	—	—	—	—	1.15x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.13x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-6%)	0.85x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$0.39	$7.15	$8.70	$9.32	$7.52	$6.64	$7.12	$7.59	$7.02	$6.06	$5.76	$4.99	$5.00	—	—	—	—	—
Basic EPS, GAAP (USD)	$-0.17	$-10.03	$-1.05	$1.56	$1.29	$-0.97	$-0.72	$0.82	$1.06	$0.49	$0.55	$4.08	$-1.90	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	—	—	—	—	$0.01	—	—	$0.00	$0.00	—	—	—	—	—	—	—
Book Value per Share (USD)	$0.82	$1.07	$11.16	$15.03	$17.02	$16.03	$17.04	$17.73	$17.12	$16.08	$15.66	$14.97	$10.89	$1.29	$1.32	$1.75	—	—
Tangible Book Value per Share (USD)	$0.82	$1.07	$11.16	$14.75	$16.74	$15.75	$16.76	$17.29	$17.12	$16.08	$15.66	$14.97	$10.89	$1.29	$1.32	$1.75	—	—
Basic Weighted Avg Shares (shares)	76.81M	3.98M	3.97M	3.96M	3.95M	3.93M	3.92M	3.90M	3.89M	3.95M	3.92M	3.85M	3.84M	—	—	—	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	—	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$16.45M	$33.10M	$201.10M	$115.19M	$120.70M	$120.80M	$130.90M	$131.00M	$141.40M	—	—	—	—	$57.00M	$57.00M	$57.00M	—	—
Total Equity (USD)	$94.68M	$4.26M	$44.38M	$59.58M	$67.34M	$63.22M	$66.99M	$69.34M	$66.75M	$62.57M	$61.46M	$58.73M	$41.84M	$49.57M	$50.55M	$67.17M	$35.86M	$58.77M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$29.63M	$28.44M	$34.51M	$36.86M	$29.68M	$26.13M	$27.91M	$29.62M	$27.34M	$23.96M	$22.60M	$19.23M	$19.23M	$21.07M	$23.23M	$24.49M	$21.55M	—
Depreciation Expense (USD)	$986.00K	$1.08M	$1.19M	$1.32M	$1.52M	$1.50M	$1.60M	$1.49M	$1.20M	$1.20M	$1.00M	$1.10M	$1.20M	—	—	—	—	—
Net Income, GAAP (USD)	$-12.71M	$-39.88M	$-4.18M	$6.16M	$5.09M	$-3.82M	$-2.82M	$3.20M	$4.15M	$1.93M	$2.14M	$15.71M	$-7.29M	$-536.16K	$-15.46M	$-15.40M	$-23.88M	—
Operating Cash Flow (USD)	$-14.17M	$2.68M	$-10.71M	$7.04M	$7.60M	$6.28M	$-11.91M	$5.27M	$7.29M	$4.53M	$5.67M	—	—	$-3.15M	$-976.07K	$-2.89M	$-9.80M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	1.8%	2.0%	2.6%	3.2%	2.7%	2.7%	2.6%	2.9%	3.0%	3.0%	—	2.8%	—	2.9%	3.0%	2.8%	—	—
Efficiency Ratio (%) (%)	137.6%	112.8%	94.8%	73.8%	84.8%	107.6%	95.5%	81.8%	77.4%	76.6%	83.4%	95.0%	134.6%	113.8%	134.4%	130.5%	139.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 18 years · 67 quarters

PATRIOT NATIONAL BANCORP INC

Analytical Summary

18-Year Financial Trajectory

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