Patriot National Bancorp Inc (PNBK)
Financials · Community and regional banking · Nasdaq
A Connecticut community bank undergoing strategic repositioning toward relationship-driven banking for entrepreneurs and high-net-worth clients while operating under regulatory supervision.
What Patriot National Bancorp Inc does
Patriot National Bancorp is a Connecticut-based bank holding company whose principal subsidiary, Patriot Bank, N.A., operates as a community bank with 8 branches (7 in Connecticut, 1 in New York). The Bank provides traditional and digital banking services, including commercial and consumer lending, deposit products, treasury management, and institutional banking services. The company is undergoing a strategic transformation following a 2025 recapitalization and Formal Agreement with the OCC, refocusing its business on relationship-driven banking for entrepreneurs, high-net-worth individuals, digital payments clients, and underbanked creditworthy segments.
Themes: ["Community banking"]
Fundamentals
- Price$1.18 as of 2026-07-10 close
- Market cap$139M as of 2026-07-13
- 1-year return-22.4% as of 2026-07-10 close
- Net margin-9.2% as of 2026-07-13
- ROE-13.5% as of 2026-07-13
- Debt / equity0.18 as of 2026-07-13
- Revenue growth (YoY)+50.4% as of 2026-07-13
- Beta-0.67 as of 2026-07-13
Dividend: 2-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Regulatory oversight under Formal Agreement with OCC since January 2025 constraining strategic flexibility and requiring capital strengthening, governance remediation, and enhanced risk management"]
Competitors & peers
- Bank of New York Mellon (BK)
Fundamentals: Finnhub, as of 2026-07-13. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-10.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.