Patriot National Bancorp Inc (PNBK) Stock Analysis
Verdict: AVOID
Massive insider activity and a recapitalized balance sheet battle severe operating losses and a broken technical chart.
Investment score: 38/100
Analysis as of
Is Patriot National Bancorp Inc stock worth reviewing? The TradeMates thesis
PNBK is a distressed community bank. While insiders are aggressively positioning for a recovery, the fundamentals remain toxic with significant net losses and negative operating margins. The model identifies high execution risk in the recovery plan.
7-factor investment score
- Valuation: 45/100 (weight 20%)
- Financial Health: 25/100 (weight 15%)
- Technical Momentum: 20/100 (weight 15%)
- Earnings Quality: 15/100 (weight 15%)
- Insider Sentiment: 85/100 (weight 10%)
- Analyst Consensus: 30/100 (weight 10%)
- Risk-Adjusted Return: 40/100 (weight 15%)
Patriot National Bancorp Inc opportunities and risks
What speaks for PNBK
- Recapitalized Balance Sheet
What speaks against PNBK
- Chronic Operating Losses
Peers and competitors
- CMRB
- DIMC
- HYNE
- CWBK
- BLHK
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| PNBK | n/a | 2.1x | n/a | 53.5% | -19.2% | -9.5% |
| CMRB | 15.3x | 1.6x | 22.7x | 41.0% | 10.0% | 0.0% |
| DIMC | 7.3x | 1.7x | 6.2x | 51.5% | 23.7% | 0.0% |
| HYNE | n/a | 6.0x | n/a | 71.1% | -1.0% | -1.7% |
| CWBK | 8.7x | 1.8x | n/a | 77.6% | 21.2% | 0.0% |
| BLHK | 10.7x | 3.6x | 7.9x | 53.9% | 34.3% | 0.0% |
| Peer median | 8.7x | 1.8x | 6.2x | 53.9% | 21.2% | 0.0% |
Frequently asked questions about Patriot National Bancorp Inc (PNBK)
Is PNBK stock a good investment?
The TradeMates model rates Patriot National Bancorp Inc as AVOID with an investment score of 38/100. PNBK is a distressed community bank. While insiders are aggressively positioning for a recovery, the fundamentals remain toxic with significant net losses and negative operating margins. The model identifies high execution risk in the recovery plan. This is algorithmic model output, not personal investment advice.
Is PNBK stock a buy?
The TradeMates model verdict for PNBK is AVOID with an investment score of 38/100. Treat this as a model signal to review, not a personal buy recommendation.