Patriot National Bancorp Inc
PNBKFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
Price
PNBK against its 20, 50 and 200-day averages56.8% under the 52-week high of 2.00 on 19 Dec 2025. 52-week low 0.80 on 19 Oct 2026. Last 15 sessions, 12.5% high to low
Volume 0.27× normal · the line is the 50-bar volume average
Profile
PNBKPatriot National Bancorp, Inc. operates as a bank holding company. It offers consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, savings, prepaid deposit, online national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry services. The firm's loan portfolio consists of commercial real estate, commercial business, SBA, construction, purchased residential real estate, and various consumer loans. It also offers automated clearing house transfers, lockbox, Internet banking, bill payment, remote deposit capture, debit cards, money orders, traveler's checks, and automatic teller machine services. The company was founded in 1999 and is headquartered in Stamford, CT.
| Employees | 107 |
|---|---|
| IPO | Aug 31, 1994 |
| Beta | -0.53 |
| ATR, 14d | 0.05 |
| Rel volume | 0.27 |
| Short float | 1.13% |
| Insider own | 28.74% |
| Inst own | 14.07% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 106.34M |
| Enterprise Value | - |
| Income | -6.54M |
| Sales | 67.03M |
| Book/sh | 0.76 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | Dec 06, 2019 |
| Dividend Gr. 3/5Y | - - |
| Payout | - |
| Employees | 107 |
| IPO | Aug 31, 1994 |
Ratios
| P/E | - |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 1.59 |
| P/B | 1.14 |
| P/C | - |
| P/FCF | - |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.37 |
| Debt/Eq | 0.19 |
| LT Debt/Eq | 0.19 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | -0.06 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | - 29.80% |
| Sales past 3/5Y | 7.01% 7.91% |
| EPS Y/Y TTM | 99.36% |
| Sales Y/Y TTM | 15.58% |
| EPS Q/Q | 101.88% |
| Sales Q/Q | 44.21% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 28.74% |
|---|---|
| Insider Trans | 0.67% |
| Inst Own | 14.07% |
| Inst Trans | -12.41% |
| ROA | -0.58% |
| ROE | -8.44% |
| ROIC | -6.21% |
| Gross Margin | - |
| Oper. Margin | -11.86% |
| Profit Margin | -9.76% |
| SMA20 | 2.03% |
| SMA50 | -5.37% |
| SMA200 | -24.07% |
| Trades | - |
Technical
| Shs Outstand | 117.66M |
|---|---|
| Shs Float | 88.02M |
| Short Float | 1.13% |
| Short Ratio | 5.99 |
| Short Interest | 0.99M |
| 52W High | 2.00 -56.85% |
| 52W Low | 0.80 7.61% |
| Volatility | 7.89% 6.40% |
| ATR (14) | 0.05 |
| RSI (14) | 48.89 |
| Beta | -0.53 |
| Rel Volume | 0.27 |
| Avg Volume | 165.71K |
| Volume | 44,192 |
Performance
| Perf Week | -3.70% |
|---|---|
| Perf Month | 2.49% |
| Perf Quarter | -22.44% |
| Perf Half Y | -18.78% |
| Perf YTD | -52.70% |
| Perf Year | -20.29% |
| Perf 3Y | -84.79% |
| Perf 5Y | -91.26% |
| Perf 10Y | -93.69% |
| Recom | 3.00 |
| Target Price | 24.00 |
| Prev Close | 0.84 |
| Price | 0.86 |
| Change % | 2.95% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| BWFG | Bankwell Financial Group Inc | 564.18M |
| RBKB | Rhinebeck Bancorp Inc | 207.33M |
| HNVR | Hanover Bancorp Inc | 154.77M |
| WNEB | Western New England Bancorp Inc | 270.89M |
| OBT | Orange County Bancorp Inc | 534.43M |
| BSBK | Bogota Financial Corp | 118.58M |
| MGYR | Magyar Bancorp Inc | 140.60M |
| PBHC | Pathfinder Bancorp Inc | 104.04M |
| PDLB | Ponce Financial Group Inc | 533.60M |
| UNB | Union Bankshares Inc | 112.39M |
Insider trading
13 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Sugarman Steven | President and CEO | Oct 01 '26 | Option Exercise | 0.00 | 1,147,031 | 0 | 3,485,140 | Oct 02 11:27 AM |
| De Tomasi Mario | Director | Sep 08 '26 | Buy | 0.96 | 63,000 | 60,480 | 272,941 | Sep 10 04:43 PM |
| Sugarman Steven | President and CEO | Jul 01 '26 | Option Exercise | 0.00 | 552,927 | 0 | 2,641,970 | Jul 02 07:34 PM |
| De Tomasi Mario | Director | Jul 01 '26 | Option Exercise | 0.00 | 22,222 | 0 | 209,941 | Jul 02 06:12 PM |
| Roth Jonathan Paul | Director | Jul 01 '26 | Option Exercise | 0.00 | 12,575 | 0 | 13,825 | Jul 02 06:12 PM |
| Seabold Jeffrey T | Director | Jul 01 '26 | Option Exercise | 0.00 | 133,333 | 0 | 133,583 | Jul 02 06:11 PM |
| Constantino Edward N. | Director | Jul 01 '26 | Option Exercise | 0.00 | 22,222 | 0 | 42,542 | Jul 02 06:11 PM |
| Magzanyan Anahit | Director | Jul 01 '26 | Option Exercise | 0.00 | 22,222 | 0 | 26,512 | Jul 02 06:10 PM |
| De Tomasi Mario | Director | May 27 '26 | Buy | 0.96 | 85,000 | 81,600 | 187,719 | May 29 03:12 PM |
| De Tomasi Mario | Director | May 20 '26 | Buy | 1.15 | 87,719 | 100,877 | 102,719 | May 22 06:03 PM |
| Salas Carlos P | EVP & Chief Financial Officer | Apr 30 '26 | Option Exercise | 0.00 | 333,333 | 0 | 333,333 | May 04 03:52 PM |
| Simmons William Paul | EVP & Chief Credit Officer | Apr 30 '26 | Option Exercise | 0.00 | 333,333 | 0 | 333,333 | May 04 03:52 PM |
| Miranda Angie | EVP & Chief Risk Officer | Apr 30 '26 | Option Exercise | 0.00 | 150,000 | 0 | 150,000 | May 04 03:52 PM |
Held by
AUMNews
latest 14 of 200- Patriot Bank's Formal Agreement With the OCC Has Been Terminated (GlobeNewswire) +25.33%
- Patriot Bank Opens Flagship California Location in Beverly Hills With Over $100 Million in Deposits (GlobeNewswire)
- Patriot Bank Expands into Palm Beach and the South Florida Market (GlobeNewswire)
- Patriot Bank Expands High Net Worth Banking Platform in Greenwich, CT (GlobeNewswire)
- Patriot Bank Announces New Board Chairs (GlobeNewswire)
- Unity Bancorp Reports Quarterly Earnings of $16.5 Million (GlobeNewswire)
- Patriot National Bancorp Announces Completion of $10M Registered Direct Offering (GlobeNewswire) +6.72%
- Patriot National gets serious about private banking (American Banker)
- Patriot Bank Expands Its Board and Senior Leadership Team (GlobeNewswire)
- Patriot National Bancorp: Sharply Overvalued Following Recent Equity Recapitalization (Seeking Alpha) -32.18%
- Why Patriot National Bancorp, Inc. (PNBK) Is Surging in 2025 (Insider Monkey)
- Patriot National raises $50M, CEO exits (Banking Dive)
- Patriot National Bancorp announces over $50M private placement, departure of CEO David Lowery (SeekingAlpha) +32.08%
- Patriot National Bancorp Announces Over $50 Million Private Placement (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2024Q4 | 2025-02-21 | - | - | -2.400 | - | - | - |
| 2023Q2 | 2023-08-11 | - | - | -0.140 | 8.54 | - | - |
| 2023Q1 | 2023-05-15 | - | - | -0.010 | 8.85 | - | - |
| 2022Q4 | 2023-03-07 | - | - | 0.450 | 9.50 | - | - |
| 2022Q2 | 2022-08-05 | - | - | 0.320 | - | - | - |
| 2021Q1 | 2021-05-13 | 0.220 | - | 0.217 | 6.57 | - | - |
| 2020Q4 | 2021-04-02 | -0.350 | - | -0.350 | 6.70 | - | - |
| 2020Q3 | 2020-12-01 | -0.020 | - | -0.022 | 6.61 | - | - |
| 2020Q2 | 2020-08-25 | -0.320 | - | -0.325 | 6.08 | - | - |
| 2020Q1 | 2020-06-22 | -0.270 | - | -0.273 | 6.74 | - | - |
| 2019Q3 | 2019-11-29 | 0.010 | - | 0.007 | 6.81 | - | - |
| 2019Q2 | 2019-08-23 | -0.420 | - | -0.422 | 7.38 | - | 1 |
| 2019Q1 | 2019-05-15 | 0.100 | 0.330 | 0.082 | 7.17 | 7.30 | - |
| 2018Q4 | 2019-02-26 | 0.100 | 0.300 | 0.083 | 7.67 | 7.10 | - |
| 2018Q3 | 2018-11-15 | 0.200 | 0.350 | 0.196 | 7.14 | 7.70 | - |
| 2018Q2 | 2018-08-06 | 0.410 | 0.400 | 0.265 | 7.43 | 7.70 | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2010FY | -13.000 | -20.000 | -13.000 | 24.49 | 24.00 |
| 2012FY | -0.100 | - | -0.100 | 21.07 | - |
| 2017FY | 1.280 | - | 1.064 | 27.40 | - |
| 2018FY | 0.780 | - | 0.816 | 29.62 | - |
| 2020FY | -0.970 | - | -0.971 | 26.13 | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 1.064 | 0.816 | -0.718 | -0.971 | 1.289 | 1.555 | -1.054 | -10.03 | -0.166 | -0.0604 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | -0.775 | -6.779 | -2.392 | -0.209 | -0.064 | -0.027 | -0.02 | -0.015 | 0.001 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
| Sales, annual | 34.293 | 42.002 | 46.127 | 39.882 | 36.774 | 47.617 | 64.962 | 60.724 | 58.357 | 67.03 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 15.28 | 14.929 | 14.267 | 15.276 | 13.524 | 13.75 | 15.807 | 17.97 | 19.503 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
| Shares, annual | 3.9 | 3.911 | 3.931 | 3.944 | 3.956 | 3.965 | 3.976 | 3.992 | 114.997 | 117.663 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 3.976 | 3.976 | 3.992 | 73.725 | 85.796 | 114.991 | 114.997 | 117.086 | 117.663 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 54.94 | 47.84 | 52.36 | 58.96 | 44.01 | 32.35 | 37.90 | 43.64 | 40.38 |
| Total Interest Expense | 27.94 | 28.73 | 32.28 | 30.46 | 10.75 | 7.09 | 13.75 | 18.22 | 12.38 |
| Net Interest Income | 27.00 | 19.11 | 20.08 | 28.50 | 33.26 | 25.26 | 24.15 | 25.43 | 28.00 |
| Loan Loss Provision | -0.34 | 1.50 | 12.46 | 7.43 | 1.89 | -0.50 | 2.17 | 4.97 | 1.30 |
| Net Interest Income After Loan Loss Provision | 27.35 | 17.61 | 7.62 | 21.07 | 31.37 | 25.76 | 21.98 | 20.45 | 26.69 |
| Non-Interest Income | 12.09 | 10.51 | 8.36 | 6.00 | 3.60 | 4.42 | 1.98 | 2.48 | 1.63 |
| Non-Interest Expense | 47.39 | 40.77 | 32.08 | 31.60 | 27.22 | 25.17 | 28.12 | 26.65 | 22.14 |
| Operating Income | -7.95 | -12.65 | -16.10 | -4.53 | 7.76 | 5.01 | -4.16 | -3.72 | 6.18 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 1.11 | 0.00 | 0.00 | 0.00 | 0.00 | 2.10 |
| Net Income Before Taxes | -7.95 | -12.65 | -16.10 | -5.63 | 7.76 | 5.01 | -4.16 | -3.72 | 4.09 |
| Income Taxes | -1.41 | 0.06 | 23.79 | -1.45 | 1.60 | -0.08 | -0.34 | -0.90 | 0.89 |
| Consolidated Net Income | -6.54 | -12.71 | -39.88 | -4.18 | 6.16 | 5.09 | -3.82 | -2.82 | 3.20 |
| Net Income From Continuing Operations | -6.54 | -12.71 | -39.88 | -4.18 | 6.16 | 5.09 | -3.82 | -2.82 | 3.20 |
| Net Income | -6.54 | -12.71 | -39.88 | -4.18 | 6.16 | 5.09 | -3.82 | -2.82 | 3.20 |
| EPS (Recurring) | -0.06 | -0.17 | -10.03 | -0.86 | 1.55 | 1.29 | -0.97 | -0.72 | 1.19 |
| EPS (Basic, Before Extraordinaries) | -0.06 | -0.17 | -10.03 | -1.05 | 1.56 | 1.29 | -0.97 | -0.72 | 0.82 |
| EPS (Diluted) | -0.06 | -0.17 | -10.03 | -1.05 | 1.55 | 1.29 | -0.97 | -0.72 | 0.82 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 5.75 | 4.13 | 0.15 | 0.08 | 0.07 | 0.11 | 0.16 | 0.21 | 0.13 |
| Price To Earnings Ratio | - | - | - | - | 6.68 | 12.06 | - | - | 17.47 |
| Price To Sales Ratio | 1.68 | 2.40 | 0.13 | 0.23 | 0.88 | 1.67 | 0.98 | 1.08 | 1.33 |
| Operating Margin | -11.86 | -21.68 | -26.51 | -6.97 | 16.29 | 13.63 | -10.42 | -8.06 | 14.72 |
| Net Margin | -9.76 | -21.78 | -65.68 | -6.43 | 12.94 | 13.85 | -9.58 | -6.11 | 7.61 |
| Shares Outstanding | 117.66 | 115.00 | 3.99 | 3.98 | 3.97 | 3.96 | 3.94 | 3.93 | 3.91 |
| Market Capitalization | 106.34 | 106.34 | 7.71 | 15.19 | 41.95 | 61.39 | 39.13 | 50.08 | 56.19 |
Income statement, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 | 2024Q3 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 16.41 | 14.72 | 12.26 | 11.54 | 11.49 | 12.55 | 12.33 | 12.81 |
| Total Interest Expense | 7.46 | 7.65 | 6.30 | 6.53 | 7.31 | 8.59 | 7.68 | 7.82 |
| Net Interest Income | 8.96 | 7.08 | 5.96 | 5.01 | 4.19 | 3.95 | 4.65 | 5.00 |
| Loan Loss Provision | 0.59 | -0.18 | -0.32 | -0.43 | 1.52 | 0.73 | 7.68 | 1.03 |
| Net Interest Income After Loan Loss Provision | 8.37 | 7.26 | 6.28 | 5.44 | 2.66 | 3.22 | -3.03 | 3.97 |
| Non-Interest Income | 3.09 | 3.25 | 3.55 | 2.21 | 2.03 | 2.73 | 1.94 | 2.12 |
| Non-Interest Expense | 12.84 | 12.24 | 11.99 | 10.31 | 9.74 | 8.72 | 8.46 | 8.40 |
| Operating Income | -1.38 | -1.74 | -2.16 | -2.66 | -5.05 | -2.78 | -9.55 | -2.31 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | -1.38 | -1.74 | -2.16 | -2.66 | -5.05 | -2.78 | -9.55 | -2.31 |
| Income Taxes | -1.53 | 0.01 | 0.11 | -0.01 | -0.05 | 0.00 | -0.00 | 24.65 |
| Consolidated Net Income | 0.14 | -1.75 | -2.28 | -2.65 | -5.00 | -2.78 | -9.55 | -26.95 |
| Net Income From Continuing Operations | 0.14 | -1.75 | -2.28 | -2.65 | -5.00 | -2.78 | -9.55 | -26.95 |
| Net Income | 0.14 | -1.75 | -2.28 | -2.65 | -5.00 | -2.78 | -9.55 | -26.95 |
| EPS (Recurring) | 0.00 | -0.02 | -0.02 | -0.03 | -0.06 | -0.21 | -2.39 | -6.78 |
| EPS (Basic, Before Extraordinaries) | 0.00 | -0.02 | -0.02 | -0.03 | -0.06 | -0.21 | -2.39 | -6.78 |
| EPS (Diluted) | 0.00 | -0.02 | -0.02 | -0.03 | -0.06 | -0.21 | -2.39 | -6.78 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.83 | 1.80 | 1.68 | 1.43 | 0.88 | 0.14 | 0.05 | 0.04 |
| Price To Sales Ratio | 1.68 | 2.44 | 3.59 | 2.29 | 2.05 | 0.26 | 0.13 | 0.12 |
| Operating Margin | -7.10 | -9.69 | -13.68 | -19.36 | -37.34 | -18.17 | -66.94 | -15.46 |
| Net Margin | 0.73 | -9.77 | -14.41 | -19.30 | -36.98 | -18.18 | -66.92 | -180.55 |
| Shares Outstanding | 117.66 | 117.09 | 115.00 | 114.99 | 85.80 | 73.73 | 3.99 | 3.98 |
| Market Capitalization | 106.34 | 148.34 | 209.28 | 149.49 | 128.87 | 4.63 | 7.71 | 7.55 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 23.15 | 18.34 | 16.21 | 5.18 | 3.26 | 3.01 | 2.69 | 7.38 | 3.58 |
| Investments | 438.06 | 247.86 | 171.09 | 134.20 | 149.02 | 90.58 | 108.38 | 106.63 | 79.63 |
| Net Loans | 585.72 | 700.17 | 832.93 | 838.01 | 729.58 | 719.60 | 802.05 | 772.77 | 713.35 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.00 | 2.84 | 2.84 | - | 0.00 | 1.91 | 2.40 | 2.94 | 0.00 |
| Net Property, Plant & Equipment | 29.25 | 30.35 | 31.62 | 32.86 | 34.14 | 36.16 | 37.73 | 35.44 | 35.36 |
| Interest Receivables | 4.87 | 5.49 | 7.22 | 7.27 | 5.82 | 6.62 | 3.60 | 3.77 | 3.50 |
| Deferred Tax Assets | - | - | 25.62 | 16.49 | 12.86 | 11.50 | 11.13 | 10.85 | 10.40 |
| Other Intangible Assets | 6.79 | 7.25 | 7.37 | 10.32 | 10.06 | 6.91 | 7.40 | 6.96 | 1.82 |
| Total Assets | 1,087.84 | 1,012.29 | 1,094.91 | 1,044.32 | 949.20 | 880.73 | 979.84 | 951.70 | 852.08 |
| Total Deposits | 965.79 | 966.60 | 840.31 | 860.45 | 748.56 | 685.66 | 769.53 | 743.28 | 637.44 |
| Total Debt | 17.58 | 34.55 | 202.85 | 117.42 | 123.36 | 123.68 | 134.16 | 130.98 | 141.37 |
| Long Term Debt | 17.20 | 30.99 | 31.02 | 61.62 | 110.61 | 110.92 | 123.44 | 120.79 | 111.18 |
| Provision for Risks Charges | 0.08 | 0.18 | 0.27 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 0.78 | 0.72 | 1.49 | 0.96 | 0.72 | - | - | - | - |
| Other Liabilities | 8.93 | 5.97 | 5.61 | 5.91 | 9.21 | 8.17 | 9.13 | 8.09 | 6.52 |
| Total Liabilities | 993.16 | 1,008.03 | 1,050.53 | 984.74 | 881.85 | 817.51 | 912.84 | 882.36 | 785.33 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 94.68 | 4.26 | 44.38 | 59.58 | 67.34 | 63.22 | 66.99 | 69.34 | 66.75 |
| Total Shareholders Equity | 94.68 | 4.26 | 44.38 | 59.58 | 67.34 | 63.22 | 66.99 | 69.34 | 66.75 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 94.68 | 4.26 | 44.38 | 59.58 | 67.34 | 63.22 | 66.99 | 69.34 | 66.75 |
| Total Liabilities & Stockholders Equity | 1,087.84 | 1,012.29 | 1,094.91 | 1,044.32 | 949.20 | 880.73 | 979.84 | 951.70 | 852.08 |
| Book Value Per Share | 0.82 | 1.07 | 11.16 | 15.03 | 17.02 | 16.03 | 17.04 | 17.73 | 17.12 |
| Tangible Book Value Per Share | 0.82 | 1.03 | 11.11 | 14.68 | 16.67 | 15.66 | 16.60 | 17.11 | 17.12 |
| Tier 1 Capital | 117.57 | - | - | - | - | 67.60 | 69.96 | 72.37 | 67.96 |
| Tier 2 Capital | 12.02 | 10.99 | - | - | - | 19.83 | 20.13 | 17.62 | 6.30 |
| Full-Time Employees | 107 | 129 | 117 | 130 | 128 | 122 | 131 | 118 | 109 |
| Price to Book Ratio | 1.14 | 0.47 | 0.38 | 0.72 | 0.91 | 0.62 | 0.75 | 0.80 | 1.05 |
| Return on Assets | -1.21 | -3.79 | -0.39 | 0.62 | 0.56 | -0.41 | -0.29 | 0.35 | 0.52 |
| Return on Equity | -25.69 | -163.96 | -8.04 | 9.71 | 7.80 | -5.87 | -4.13 | 4.70 | 6.41 |
| Return on Invested Capital | -11.36 | -113.13 | -5.54 | 5.08 | 2.86 | -2.19 | -1.48 | 1.68 | 2.33 |
| Current Ratio | 1.97 | 1.38 | 0.27 | 0.14 | 0.22 | 0.25 | 0.45 | 0.77 | 0.47 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | -10.20 | -15.52 | -579.38 | -186.08 | -11.63 | -10.51 | -0.80 | -23.70 | 6.62 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -7.62 | 1.35 | 0.51 | 1.30 | -4.41 | 1.83 | -5.08 | -0.77 | -1.04 |
| Cash from Operating Activities | -17.82 | -14.17 | -578.88 | -184.78 | -16.04 | -8.67 | -5.88 | -24.47 | 5.58 |
| Capital Expenditures | -0.68 | -0.17 | -0.06 | -0.41 | -0.41 | -0.43 | -0.07 | -0.55 | -1.14 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -5.07 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 1.46 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -153.27 | -133.57 | 9.63 | -4.31 | -9.01 | -44.87 | -0.94 | -6.27 | 20.74 |
| Purchase of Investments | -196.21 | -145.19 | -2.32 | -10.41 | -19.33 | -136.13 | -11.25 | -18.07 | -19.07 |
| Sale Or Maturity of Investments | 42.94 | 11.62 | 11.95 | 6.10 | 10.32 | 91.27 | 10.30 | 11.80 | 39.81 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.50 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.50 | 0.00 |
| Cash from Investing Activities | -452.41 | -20.52 | 716.57 | 146.89 | -98.97 | -38.94 | 95.08 | -29.22 | -27.20 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.15 | -0.15 |
| Change in Capital Stock | 22.39 | 86.65 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 22.39 | 86.65 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 22.39 | 86.65 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | -2.94 | -6.05 | -168.21 | 85.79 | -5.21 | -0.20 | -10.20 | -0.20 | -20.28 |
| Change in Long Term Debt | -2.94 | -6.05 | -168.21 | 85.79 | -5.21 | -0.20 | -10.20 | -0.20 | -20.28 |
| Issuance of Long Term Debt | 0.00 | 70.00 | 42.00 | 86.00 | 12.00 | 0.00 | 0.00 | 0.00 | 9.71 |
| Reduction of Long Term Debt | -2.94 | -76.05 | -210.21 | -0.21 | -17.21 | -0.20 | -10.20 | -0.20 | -29.99 |
| Net Financing Active Other Cash Flow | -0.77 | -0.58 | 0.31 | 0.28 | -0.21 | -2.69 | 0.10 | 0.76 | 0.10 |
| Other Financing Activities Uses | - | -0.58 | - | - | -0.21 | -2.69 | 0.00 | 0.00 | - |
| Cash from Financing Activities | 388.78 | 79.21 | -41.62 | 65.93 | 106.46 | 60.02 | -93.97 | 26.66 | 39.32 |
| Net Change in Cash | -81.46 | 44.52 | 96.07 | 28.04 | -8.55 | 12.41 | -4.77 | -27.03 | 17.71 |
| Free Cash Flow | -18.50 | -14.34 | -578.93 | -185.19 | -16.45 | -9.10 | -5.95 | -25.02 | 4.44 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | - | - | - | - | - | - | - | - | 13.01 |
| Federal Home Loan Advances Increase (Decrease) | - | -1.48 | 4.14 | 0.21 | 0.53 | 0.26 | 0.09 | 0.42 | 0.60 |
Balance sheet, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 7.15 | 20.97 | 23.15 | 22.64 | 17.96 | 17.70 |
| Investments | 383.40 | 356.96 | 438.06 | 307.24 | 289.69 | 227.41 |
| Net Loans | 877.44 | 751.21 | 585.72 | 581.48 | 579.75 | 667.48 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 28.26 | 28.46 | 29.25 | 28.21 | 28.42 | 28.69 |
| Interest Receivables | 6.53 | 6.27 | 4.87 | 4.26 | 4.92 | 5.05 |
| Other Intangible Assets | 14.93 | 12.93 | 6.79 | 6.93 | 6.62 | 7.70 |
| Total Assets | 1,317.72 | 1,176.79 | 1,087.84 | 950.75 | 929.95 | 956.61 |
| Total Deposits | 1,200.95 | 1,048.43 | 965.79 | 830.86 | 830.86 | 862.43 |
| Total Debt | 16.46 | 26.45 | 17.58 | 16.44 | 22.29 | 23.98 |
| Long Term Debt | 16.46 | 26.45 | 17.20 | 16.44 | 22.29 | 23.98 |
| Provision for Risks Charges | 0.11 | 0.10 | 0.08 | 0.05 | 0.08 | 0.00 |
| Deferred Tax Liabilities | - | - | 0.78 | - | - | - |
| Other Liabilities | 11.26 | 11.61 | 8.93 | 8.38 | 10.53 | 13.05 |
| Total Liabilities | 1,228.78 | 1,086.59 | 993.16 | 855.73 | 863.75 | 899.47 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 5.10 | 5.10 |
| Common Equity | 88.94 | 90.21 | 94.68 | 95.02 | 61.10 | 52.05 |
| Total Shareholders Equity | 88.94 | 90.21 | 94.68 | 95.02 | 66.20 | 57.15 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 88.94 | 90.21 | 94.68 | 95.02 | 66.20 | 57.15 |
| Total Liabilities & Stockholders Equity | 1,317.72 | 1,176.79 | 1,087.84 | 950.75 | 929.95 | 956.61 |
| Book Value Per Share | 0.76 | 0.77 | 0.82 | 0.83 | 0.71 | 0.71 |
| Tangible Book Value Per Share | 0.76 | 0.77 | 0.82 | 0.83 | 0.71 | 0.70 |
| Tier 1 Capital | 113.12 | 112.44 | 117.57 | 117.70 | 90.38 | 82.11 |
| Tier 2 Capital | 16.93 | 16.22 | 12.02 | 12.34 | 12.98 | 11.83 |
| Full-Time Employees | - | - | 107 | - | - | - |
| Price to Book Ratio | 1.14 | 1.57 | 2.20 | 1.83 | 2.15 | 0.28 |
| Return on Assets | -0.58 | -1.10 | -1.21 | -2.08 | -4.50 | -4.17 |
| Return on Equity | -8.44 | -15.86 | -25.69 | -35.87 | -82.98 | -84.06 |
| Return on Invested Capital | 0.14 | -1.50 | -2.04 | -2.38 | -5.65 | -3.42 |
| Current Ratio | 0.37 | 0.31 | 1.97 | 0.75 | 0.70 | 0.41 |
Cash flow, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 |
|---|---|---|---|---|---|---|
| Funds from Operations | -4.49 | 4.05 | -6.09 | -3.67 | 1.76 | -7.51 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -1.15 | -6.96 | 2.05 | -1.56 | -0.84 | 1.70 |
| Cash from Operating Activities | -5.63 | -2.91 | -4.04 | -5.24 | 0.92 | -5.81 |
| Capital Expenditures | -0.03 | -0.55 | -0.08 | -0.02 | -0.00 | -0.07 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | 1.93 | -19.93 | -119.16 | -16.10 | 0.86 | 0.83 |
| Purchase of Investments | 0.00 | -51.02 | -120.65 | -24.54 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | 1.93 | 31.09 | 1.49 | 8.44 | 0.86 | 0.83 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -124.18 | -186.17 | -123.95 | -18.11 | 87.28 | 34.26 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | - | - |
| Change in Capital Stock | -0.42 | -2.78 | 0.00 | 25.59 | 10.65 | 50.40 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | -0.42 | -2.78 | 0.00 | 25.59 | 10.65 | 50.40 |
| Proceedsfrom Stock Options | -0.42 | -2.78 | 0.00 | 25.59 | 10.65 | 50.40 |
| Issuance or Reduction of Debt, Net | -10.00 | 10.00 | 0.16 | -3.10 | -0.05 | -3.05 |
| Change in Long Term Debt | -10.00 | 10.00 | 0.16 | -3.10 | -0.05 | -3.05 |
| Issuance of Long Term Debt | -10.00 | 10.00 | 0.00 | 0.00 | 10.00 | 60.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.16 | -3.10 | -10.05 | -63.05 |
| Net Financing Active Other Cash Flow | 0.03 | 1.29 | -1.50 | -0.58 | -0.45 | 1.96 |
| Cash from Financing Activities | 142.13 | 91.14 | 133.59 | 21.91 | -21.43 | -54.86 |
| Net Change in Cash | 12.32 | -97.94 | 5.60 | -1.44 | 66.77 | -26.41 |
| Free Cash Flow | -5.67 | -3.46 | -4.12 | -5.26 | 0.92 | -5.88 |
Revenue breakdown
| National Commercial Banks | 2024: 28.44M 2025: 29.63M |
|---|---|
| United States | 2024: 28.44M 2025: 29.63M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.13% | 1.0M | 88.0M | 183.18K |
| 2026-10-15 | 1.24% | 1.1M | 88.0M | 195.75K |
| 2026-09-30 | 1.13% | 1.0M | 86.6M | 297.12K |
| 2026-09-15 | 1.49% | 1.2M | 83.8M | 459.11K |
| 2026-08-31 | 1.39% | 1.2M | 83.6M | 469.96K |
| 2026-08-14 | 1.09% | 0.9M | 83.6M | 499.12K |
| 2026-07-31 | 1.22% | 1.0M | 82.8M | 514.27K |
| 2026-07-15 | 1.35% | 1.1M | 82.8M | 515.24K |
| 2026-06-30 | 1.40% | 1.2M | 82.8M | 426.95K |
| 2026-06-15 | 4.26% | 3.5M | 83.3M | 387.56K |
| 2026-05-29 | 4.38% | 3.6M | 83.1M | 373.54K |
| 2026-05-15 | 3.21% | 2.7M | 83.2M | 344.18K |
| 2026-04-30 | 4.38% | 3.6M | 82.2M | 326.60K |
| 2026-04-15 | 4.62% | 3.6M | 78.7M | 321.45K |
| 2026-03-31 | 4.01% | 3.2M | 80.9M | 312.74K |
| 2026-03-13 | 2.23% | 1.8M | 79.4M | 247.44K |
| 2026-02-27 | 2.44% | 1.9M | 79.4M | 252.17K |
| 2026-02-13 | 2.84% | 2.3M | 79.4M | 260.83K |
| 2026-01-30 | 2.90% | 2.3M | 79.4M | 274.09K |
| 2026-01-15 | 2.25% | 1.8M | 79.4M | 303.95K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-02 | 8-K | Current report | 2026-11-02 | SEC |
| 2026-10-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-28 | SEC |
| 2026-10-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-28 | SEC |
| 2026-10-16 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-14 | SEC |
| 2026-10-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-01 | SEC |
| 2026-10-01 | D | Notice of sales of securities on Form D (Regulation D) | SEC | |
| 2026-09-24 | 424B5 | SEC | ||
| 2026-09-24 | 8-K | Current report | 2026-09-23 | SEC |
| 2026-09-23 | 8-K | Current report | 2026-09-18 | SEC |
| 2026-09-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-08 | SEC |
| 2026-08-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-26 | SEC |
| 2026-08-17 | 8-K | Current report | 2026-08-17 | SEC |
| 2026-08-14 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-31 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-29 | SEC |
| 2026-07-31 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-29 | SEC |
| 2026-07-31 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-29 | SEC |
| 2026-07-31 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-29 | SEC |
| 2026-07-31 | 8-K | Current report | 2026-07-31 | SEC |
| 2026-07-13 | 8-K | Current report | 2026-07-07 | SEC |
| 2026-07-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-01 | 8-K | Current report | 2026-07-01 | SEC |
| 2026-06-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-06-10 | SCHEDULE 13G | SEC | ||
| 2026-05-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 60.48K | 1 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 182.48K | 2 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | 3.69% |
| Angel Oak Capital Advisors, LLC | 2.26% |
| Corient Private Wealth LP | 1.63% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.69% |
| MILLENNIUM MANAGEMENT LLC | 0.64% |
| BlackRock, Inc. | 0.54% |
| VANGUARD FIDUCIARY TRUST CO | 0.45% |
| MARSHALL WACE, LLP | 0.42% |
| COMPOSITION WEALTH, LLC | 0.35% |
| Curated Wealth Partners LLC | 0.35% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.88% |
| Angel Oak Financial Strategies Income Term Trust | 1.92% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.74% |
| Fidelity Small Cap Index Fund | 0.66% |
| Fidelity Extended Market Index Fund | 0.35% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.34% |
| Tax-Managed U.S. Mid & Small Cap Fund | 0.30% |
| iShares Micro-Cap ETF | 0.24% |
| Schwab Small-Cap Index Fund | 0.15% |
| Fidelity Total Market Index Fund | 0.12% |
OakChart. PNBK. Cached 15 minutes.
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