PNBKNasdaqNational Commercial BanksFiscal year ends December 31
PATRIOT NATIONAL BANCORP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 14, 2026
$0.80−0.03 (-3.73%)
Close on Oct 19, 2026
- Market cap
- $93.98M
- P/E (TTM)
- –
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
-42.9%+687.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +4.2% | -7.0% | +124.2% | +53.7% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 3.1% | -5.9% | -25.7% | |
| Return on assets | 0.3% | -0.4% | -1.2% | |
| Capex to revenue | 852.4% | 13.4% | 0.6% | |
| Diluted shares | 4M | 4M | 77M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Patriot National Bancorp generated $42.20M from operations and spent $1.48M on capital expenditure, dividends and share buybacks. 100% of that went back into the business.
Generated
$42.20M
Used
$1.48M
Capital expenditure$1.48M100%Dividends$00%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-42.9%
×Asset turnover0.03×
×Equity multiplier21.23×
=Return on equity, FY2025-25.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | -42.9% | 0.03× | 21.23× | -25.7% |
| FY2024 | -140.2% | 0.03× | 43.28× | -164.0% |
| FY2023 | -12.1% | 0.03× | 20.55× | -8.0% |
| FY2022 | 16.7% | 0.04× | 15.69× | 9.7% |
| FY2021 | 17.2% | 0.03× | 14.01× | 7.8% |
| FY2020 | -730.2% | 0.00× | 14.29× | -5.9% |
| FY2019 | -478.3% | 0.00× | 14.17× | -4.1% |
| FY2018 | 773.8% | 0.00× | 13.25× | 4.7% |
| FY2017 | 1039.3% | 0.00× | 12.44× | 6.4% |
| FY2016 | 466.2% | 0.00× | 11.37× | 3.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
2of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero-$12.71M
- Cash generatingOperating cash flow above zero-$14.17M
- Return on assets improvedROA up on the prior year-3.6% → -1.3%
- Earnings backed by cashOperating cash flow above net income-$14.17M vs -$12.71M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise4M → 77M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03