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Upturn AI SWOT - About
PNBK 
Patriot National Bancorp Inc (PNBK)
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Upturn Advisory Summary
02/25/2025: PNBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -14.27% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/25/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 4.37M USD | Price to earnings Ratio - | 1Y Target Price 24 |
Price to earnings Ratio - | 1Y Target Price 24 | ||
Volume (30-day avg) 1936211 | Beta 0.54 | 52 Weeks Range 0.99 - 4.01 | Updated Date 03/30/2025 |
52 Weeks Range 0.99 - 4.01 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -7.4 |
Earnings Date
Report Date 2025-03-31 | When After Market | Estimate - | Actual - |
Profitability
Profit Margin -107.8% | Operating Margin (TTM) -31.57% |
Management Effectiveness
Return on Assets (TTM) -2.79% | Return on Equity (TTM) -104.43% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 55520680 | Price to Sales(TTM) 0.18 |
Enterprise Value 55520680 | Price to Sales(TTM) 0.18 | ||
Enterprise Value to Revenue 4.14 | Enterprise Value to EBITDA - | Shares Outstanding 3976070 | Shares Floating 2860944 |
Shares Outstanding 3976070 | Shares Floating 2860944 | ||
Percent Insiders 55.94 | Percent Institutions 22.16 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Patriot National Bancorp Inc
Company Overview
History and Background
Patriot National Bancorp Inc. was founded in 2006 and is headquartered in Stamford, Connecticut. It operates as the bank holding company for Patriot Bank, N.A. The bank has grown organically and through strategic initiatives, focusing on serving small to medium-sized businesses and individuals.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to small and medium-sized businesses.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is typical of a community bank, with departments overseeing commercial lending, retail banking, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial real estate loans, business lines of credit, and equipment financing. Data on Patriot National Bancorp's specific commercial loan market share is not readily and publicly available. Competitors include larger national banks and regional players, such as Bank of America, Wells Fargo, and regional banks operating in the area.
- Residential Mortgages: Fixed-rate and adjustable-rate mortgages for home purchases and refinancing. Market share data is difficult to ascertain for a specific bank. Competitors include Quicken Loans and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts. Data on Patriot National Bancorp's deposit market share is not readily and publicly available. Competitors include online banks and national players.
Market Dynamics
Industry Overview
The banking industry is currently facing a mix of opportunities and challenges. Economic uncertainty and rising interest rates are impacting loan demand and profitability. Increased regulation and competition from fintech companies are also shaping the landscape.
Positioning
Patriot National Bancorp Inc. positions itself as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantages lie in its strong customer relationships and deep understanding of the local market.
Total Addressable Market (TAM)
The TAM for community banking is substantial, but specific TAM data is not readily and publicly available for the areas Patriot National Bancorp Inc operates in. The companyu2019s position within this TAM is focused on serving small to medium-sized businesses and individuals within its geographic footprint. It aims to build market share through relationship banking and customized financial solutions.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Solid asset quality
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic reach
- Higher operating expenses relative to larger banks
- Lack of technological capabilities compared to fintech companies
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Growth in commercial lending
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
Competitive Landscape
Without financials, it is not possible to evaluate advantages and disadvantages
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth cannot be assessed without financial data.
Future Projections: Future projections cannot be made without financial data.
Recent Initiatives: Recent initiatives cannot be determined without information on Patriot National Bancorp's strategy.
Summary
Analysis of Patriot National Bancorp is difficult without financial information. The company appears to be a community bank focused on small businesses and individuals in its locale. Its success hinges on its ability to foster strong customer relationships and adapt to technological advances in the banking industry. Without available financials, a thorough assessment is not possible.
Similar Companies
Sources and Disclaimers
Data Sources:
- Company Website (if available)
- Industry Reports (if available)
- News Articles (if available)
Disclaimers:
The information provided is based on limited publicly available data. Actual financial performance and market positioning may differ. This analysis is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Patriot National Bancorp Inc
Exchange NASDAQ | Headquaters Stamford, CT, United States | ||
IPO Launch date 1994-09-01 | CEO & Director Mr. David Christopher Lowery | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 117 | Website https://bankpatriot.com |
Full time employees 117 | Website https://bankpatriot.com | ||
Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, time certificates of deposit, savings, prepaid deposit, on-line national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, small business administration, construction, purchased residential real estate, and various consumer loans. The company also offers automated clearing house transfers, lockbox, internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. Patriot National Bancorp, Inc. was founded in 1994 and is headquartered in Stamford, Connecticut.
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