Patriot National Bancorp Inc (PNBK)
Financials · Regional Banks · NASDAQ
A boutique commercial and retail bank undergoing a strategic shift to focus on high-net-worth relationships and institutional digital payments services.
What Patriot National Bancorp Inc does
Patriot National Bancorp is a bank holding company whose principal asset is Patriot Bank, N.A., a national banking association based in Stamford, Connecticut. The company provides a range of traditional retail and commercial banking products, while currently shifting its focus toward specialized financial services for high-net-worth individuals, entrepreneurs, and digital payments/fintech institutional clients. It operates a network of branch offices in Connecticut and New York.
Recent developments
On June 30, 2026, the OCC terminated the Formal Agreement with the Bank, and the Bank was reclassified to "well capitalized." Subsequently, on July 7, 2026, the OCC notified the Bank that it was no longer in "troubled condition."
From Patriot National Bancorp Inc's filing of 2026-08-14.
Themes: digital payments / fintech banking, commercial real estate lending, relationship banking
Fundamentals
- Price$0.885 as of 2026-10-20 close
- Market cap$105M as of 2026-08-14 (share count; price 2026-10-20)
- 1-year return-34.0% 2025-10-20 close $1.34 → 2026-10-20 close $0.885
- P/En/a negative earnings
- ROE-13.4% FY2025, SEC XBRL
- ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
- Debt / equityn/a No figure: its filing tags none of the debt lines we read, which is not evidence of zero debt.
- Beta0.57 as of 2026-09-02
- Last reported earnings2025-02-21 most recent in our data — SEC EDGAR Form 8-K (Item 2.02); no newer announcement filed
Dividend: at least 2 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How PNBK compares in its sector
- return on equitybottom 10% 558 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)bottom 10% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Quarterly results
| Quarter | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | $143000 | $0.00 | -$6M† | $33000† |
| Q1 FY2026 2026-03-31 | -$2M | -$0.02 | -$3M | $545000 |
| Q4 FY2025 2025-12-31 | -$2M† | -$0.01† | -$4M† | $80000† |
| Q3 FY2025 2025-09-30 | -$3M | -$0.03 | -$5M† | $20000† |
| Q2 FY2025 2025-06-30 | -$5M | -$0.06 | $921000† | $2000† |
| Q1 FY2025 2025-03-31 | -$3M | -$0.21 | -$6M | $70000 |
| Q4 FY2024 2024-12-31 | -$10M† | -$2.40† | -$3M† | -$97000† |
| Q3 FY2024 2024-09-30 | -$27M | -$6.78 | -$3M† | $61000† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$122M includes restricted cash (the filer tags no unrestricted total)
- Total debtnot shown the filing tags none of the debt lines we read — not evidence of zero debt
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How Patriot National Bancorp Inc looks technically
Patriot National Bancorp Inc (PNBK) is trading 26.3% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 143 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 20, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 46, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 9 trading days ago (its momentum flipped negative). It made a new 20-day low about 2 trading days ago. It is 55.6% below its highest point of the past year. Trading volume is running unusually high — about 2.1× its 30-day average, a sign of heightened interest.
Trend
8
| Distance from the 200-day | it is trading 26.3% below its 200-day average, the long-term trend line — a long-term downtrend | -26.3% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $0.9822 | $0.9822 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $1.20 | $1.20 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 69 calendar days ago — the swings before that are what the structure reading is measured on | 69 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 1.205. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 143 trading days ago — a "death cross", a bearish long-term signal | 143 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 20, below the 25 that marks a real trend) | 19.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 46, neither overbought (above 70) nor oversold (below 30) | 45.7 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($0.8 to $0.99) — its "stochastic" reading is 45 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 44.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 9 trading days ago (its momentum flipped negative) | 9 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $2.00 | $2.00 |
|---|---|---|
| From the 52-week high | it is 55.6% below its 52-week high (its highest price of the past year) | -55.6% |
| Above the 52-week low | it is 10.6% above its 52-week low (its lowest price of the past year) | +10.6% |
| Below the 52-week high | it is 55.6% below its highest point of the past year | 55.6% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $305.00 (set on 2006-08-02) | $305.00 |
| Given back of the 52-week move | over the past year its closes ranged ($0.8 to $1.92), and it has recovered only a small part of its fall from last year’s high — 8% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $1.49 to $1.53. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 7.6% |
| From the all-time high | it is 99.7% below its all-time high | -99.7% |
| Nearest price level | it is trading 2.1% above a support level at $0.8668 — a price it turned at twice since 2026-05-27, most recently on 2026-06-29. Since 2024-10-21 it has 1 such level below the current price and 14 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -2.1% |
| All-time low | its lowest closing price on record is $0.8 (set on 2026-10-19) | $0.8 |
| Above the all-time low | it is 10.6% above its all-time low | +10.6% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 68th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.0524 between its high and its low — about 5.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.0524 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $0.8 and $1.01 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $0.8 – $0.91 – $1.01 |
| Typical daily range (% of price) | its price moves about 5.9% in a typical session — more volatile than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 5.9% |
| Stretch from the 200-day average | it is trading 6.0 daily ranges below its 200-day average price (26.3% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.0 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.1× its 30-day average, a sign of heightened interest | 2.13× |
|---|
Candlestick patterns
3
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
| Since a bearish engulfing | 8 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 8 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-20 at essentially the same price it closed at the session before — no meaningful overnight gap | 0.0% |
|---|---|---|
| Gap filled | a 2.4% gap up opened on 2026-10-19 has been "filled" 1 session ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 1 session ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 9.7 percentage points (the stock lost 8.8% while the market gained 1.0%) | -9.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 27.3 percentage points (the stock lost 23.7% while the market gained 3.6%) | -27.3% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 44.4 percentage points (the stock lost 35.9% while the market gained 8.5%) | -44.4% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 48.5 percentage points (the stock lost 34.0% while the market gained 14.6%) | -48.5% |
Signal agreement
2
| Bullish technical signals | 0 of the 9 technical signals we can compute for it are currently in a bullish state — these describe past price behaviour, not a forecast | 0 of 9 |
|---|---|---|
| Bearish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 16% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thick, spanning 9.8% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -15.6% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 25% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $1.18 — a volume-weighted average of daily closes over 199 sessions, not a true tick-by-tick VWAP. | -25.1% |
|---|
Price levels it has turned at before
PNBK last closed at $0.885 on 2026-10-20. Since 2024-10-21 it has turned at 1 price below its last close and 14 above; the nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $0.8668 | Support | 2.1% below the last close | turned there twice · 2026-05-27 to 2026-06-29 |
| $1.03 | Resistance | 16.9% above the last close | turned there twice · 2026-07-30 to 2026-09-28 |
| $1.13 | Resistance | 27.6% above the last close | turned there twice · 2025-06-03 to 2026-06-22 |
| $1.16 | Resistance | 31.1% above the last close | turned there three times · 2026-04-02 to 2026-09-04 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $1.21.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 43 trading days, since 2026-08-20.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Trading below the 50-day moving average · Pulled back from the 12-month high · Unusually heavy trading volume · Broke down to a new 20-day low · trendless / choppy (low ADX) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Significant reliance on third-party vendors and fintech partners for operations, creating operational and regulatory compliance risks.","Exposure to credit risk within its concentrated commercial real estate loan portfolio."]
What changed in the latest 10-Q
AI-assisted comparison of PNBK's 10-Q filed 2026-05-15 against the prior one filed 2025-11-14.
Management's Discussion & Analysis (MD&A)
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
1 open-market purchase and 0 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 5 days since 2026-10-16 have not been checked yet.
- Last 90 days · read to 2026-10-161 buy ($60480) · 0 sells — 1 buying insider
- Last 180 days · read to 2026-10-163 buys ($242957) · 0 sells — 1 buying insider
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-08. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PNBK's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
3 institutional 13F filers reported holding PNBK as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 3
- Reported shares held 1,227,554
- Reported value $1,175,383
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 1 increased, 2 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about PNBK's institutional holders → See what each manager we track holds →
Short interest (FINRA)
PNBK had 975,907 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
PNBK had 0.82% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.83 days to cover at the same settlement.
- Reported short interest (shares) 975,907
- Short interest (% of shares outstanding) 0.82%
- Prior settlement (shares) 1,248,257
- Reported change -21.82%
- Days to cover (reported) 6.83
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Webster Financial (WBS)
- People's United Bank (acquired by M&T Bank (MTB))
- ConnectOne Bancorp (CNOB)
- Customers Bancorp (CUBI)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare PNBK vs…
Frequently asked questions
What does Patriot National Bancorp Inc (PNBK) do?
Patriot National Bancorp is a bank holding company whose principal asset is Patriot Bank, N.A., a national banking association based in Stamford, Connecticut. The company provides a range of traditional retail and commercial banking products, while currently shifting its focus toward specialized financial services for high-net-worth individuals, entrepreneurs, and digital payments/fintech institutional clients. It operates a network of branch offices in Connecticut and New York.
What sector is Patriot National Bancorp Inc (PNBK) in?
Patriot National Bancorp Inc (PNBK) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Who are Patriot National Bancorp Inc's (PNBK) competitors?
Notable peers of Patriot National Bancorp Inc (PNBK) include Webster Financial, People's United Bank (acquired by M&T Bank (MTB)), ConnectOne Bancorp and Customers Bancorp. This peer set is informational only — not financial advice.
Is Patriot National Bancorp Inc (PNBK) overbought or oversold right now?
Patriot National Bancorp Inc (PNBK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 46, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PNBK come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.