Patriot National Bancorp, Inc.
PNBKFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 5, 2026
Scan Results
Daily timeframePatriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. The company carries a $131.8M market cap, placing it firmly in the micro-cap category. that provides community banking services to individuals, small and medium-sized businesses, and professionals.
Market Cap
$131.8M
Beta
-0.67
P/E (TTM)
—
P/E (Fwd)
1.10
EPS (TTM)
$-0.01
EPS (Fwd)
$1.01
ROE
-8.4%
ROA
-0.6%
Cash
$116.9M
Total Debt
$16.5M
Free CF
—
52W Change
-22.2%
Annual Financials
Cash vs Debt
Where PNBK stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, PNBK finished 11.57% below its 150-day moving average ($1.21) and 17.05% below its 200-day moving average ($1.29). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is PNBK overbought or oversold?
At the September 3, 2026 close, PNBK's RSI(14) was 40.0, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $116.9M in cash and $16.5M in debt, PNBK maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of -8.4% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Revenue has pulled back from $36.6M (2022) to $29.4M (2025), a 20% decline worth watching.
The relatively low beta of -0.67 suggests PNBK is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing PNBK's risk profile alongside its fundamentals and technical indicators provides a more complete picture.