PNBK
Bearish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Pulls against a bullish reading. Current ratio 0.44 · operating margin -22%
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 63 000 titres (~60 480,00 $ US)
- Insiders
- De Tomasi Mario
- Total bought
-
$60,480
Avg buy (VWAP, 90d window) $0.96 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-09-08
- Last synced
-
2026-09-14 09:51:34
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-08 | De Tomasi Mario | Buy | 63,000 | $0.96 | $60,480 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bearish signalScored 2026-09-12
Despite a meaningful catalyst signal — insider cluster buying following OCC regulatory relief and geographic expansion — the underlying financial health of PNBK is critically weak, with a current ratio of 0.44…
The first sentence of the analysis written for PNBK on 2026-09-12 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 48.0% | 26.1% | 41.4% | 73.3% | 82.0% | |
| Ebit Margin | -21.8% | -26.6% | -8.7% | 16.4% | 13.7% | |
| Ebitda Margin | -19.7% | -24.3% | -6.6% | 19.5% | 18.1% | |
| Operating Profit Margin | -21.8% | -26.6% | -8.7% | 16.4% | 13.7% | |
| Pretax Profit Margin | -21.8% | -26.6% | -8.7% | 16.4% | 13.7% | |
| Continuous Operations Profit Margin | -21.9% | -65.9% | -6.5% | 13.0% | 13.9% | |
| Net Profit Margin | -21.9% | -65.9% | -6.5% | 13.0% | 13.9% | |
| Bottom Line Profit Margin | -21.9% | -65.9% | -6.5% | 13.0% | 13.9% | |
| Current Ratio | 0.437 | 0.179 | 0.096 | 0.150 | 0.194 | |
| Quick Ratio | 0.437 | 0.179 | 0.096 | 0.150 | 0.194 | |
| Solvency Ratio | -0.012 | -0.038 | -0.003 | 0.008 | 0.008 | |
| Cash Ratio | 0.193 | 0.153 | 0.062 | 0.044 | 0.062 | |
| Price To Earnings Ratio | -11.375 | -0.194 | -3.648 | 6.795 | 12.054 | |
| Price To Earnings Growth Ratio | 0.116 | -0.000 | 0.022 | 0.325 | -0.052 | |
| Forward Price To Earnings Growth Ratio | 0.116 | -0.000 | 0.022 | 0.325 | -0.052 | |
| Price To Earnings Diluted Ratio | -11.375 | -0.194 | -3.648 | 6.795 | 12.054 | |
| Price To Earnings Diluted Growth Ratio | 0.116 | -0.000 | 0.022 | 0.325 | -0.052 | |
| Price To Book Ratio | 1.502 | 1.812 | 0.342 | 0.703 | 0.911 | |
| Price To Sales Ratio | 2.445 | 0.128 | 0.235 | 0.884 | 1.675 | |
| Price To Free Cash Flow Ratio | -9.914 | 2.941 | -1.365 | 6.322 | 8.564 | |
| Price To Operating Cash Flow Ratio | -10.034 | 2.881 | -1.417 | 5.950 | 8.079 | |
| Debt To Assets Ratio | 0.015 | 0.033 | 0.184 | 0.110 | 0.127 | |
| Debt To Equity Ratio | 0.174 | 7.753 | 4.531 | 1.933 | 1.793 | |
| Debt To Capital Ratio | 0.148 | 0.886 | 0.819 | 0.659 | 0.642 | |
| Long Term Debt To Capital Ratio | 0.148 | 0.886 | 0.819 | 0.659 | 0.642 | |
| Financial Leverage Ratio | 11.490 | 237.349 | 24.636 | 17.511 | 14.084 | |
| Working Capital Turnover Ratio | -0.087 | -0.078 | -0.086 | -0.070 | -0.060 | |
| Operating Cash Flow Ratio | -0.015 | 0.003 | -0.013 | 0.008 | 0.010 | |
| Operating Cash Flow Sales Ratio | -0.244 | 0.044 | -0.166 | 0.148 | 0.207 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.012 | 0.980 | 1.038 | 0.941 | 0.943 | |
| Debt Service Coverage Ratio | -0.401 | -1.193 | -0.093 | 0.710 | 0.949 | |
| Interest Coverage Ratio | -0.440 | -0.499 | -0.185 | 0.721 | 0.707 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | -0.862 | 0.081 | -0.053 | 0.061 | 0.063 | |
| Capital Expenditure Coverage Ratio | -82.384 | 48.782 | -26.007 | 16.995 | 17.665 | |
| Dividend Paid And Capex Coverage Ratio | -82.384 | 48.782 | -26.007 | 16.995 | 17.665 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 2.422 | 7.242 | -38.265 | 12.850 | 20.313 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 48.0% | ▲21.9% | ▼-6.2% |
| Ebit Margin | -21.8% | ▲4.8% | ▼-16.4% |
| Ebitda Margin | -19.7% | ▲4.6% | ▼-17.1% |
| Operating Profit Margin | -21.8% | ▲4.8% | ▼-16.4% |
| Pretax Profit Margin | -21.8% | ▲4.8% | ▼-16.4% |
| Continuous Operations Profit Margin | -21.9% | ▲44.0% | ▼-8.4% |
| Net Profit Margin | -21.9% | ▲44.0% | ▼-8.4% |
| Bottom Line Profit Margin | -21.9% | ▲44.0% | ▼-8.4% |
| Current Ratio | 0.436 | ▲0.258 | ▲0.226 |
| Quick Ratio | 0.436 | ▲0.258 | ▲0.226 |
| Solvency Ratio | -0.012 | ▲0.027 | ▼-0.004 |
| Cash Ratio | 0.193 | ▲0.040 | ▲0.090 |
| Price To Earnings Ratio | -11.375 | ▼-11.181 | ▼-12.101 |
| Price To Earnings Growth Ratio | 0.116 | ▲0.116 | ▲0.034 |
| Forward Price To Earnings Growth Ratio | 0.116 | ▲0.116 | ▲0.034 |
| Price To Earnings Diluted Ratio | -11.375 | ▼-11.181 | ▼-12.101 |
| Price To Earnings Diluted Growth Ratio | 0.116 | ▲0.116 | ▲0.034 |
| Price To Book Ratio | 1.502 | ▼-0.310 | ▲0.448 |
| Price To Sales Ratio | 2.445 | ▲2.317 | ▲1.372 |
| Price To Free Cash Flow Ratio | -9.914 | ▼-12.855 | ▼-11.223 |
| Price To Operating Cash Flow Ratio | -10.034 | ▼-12.915 | ▼-11.126 |
| Debt To Assets Ratio | 0.015 | ▼-0.018 | ▼-0.079 |
| Debt To Equity Ratio | 0.174 | ▼-7.580 | ▼-3.063 |
| Debt To Capital Ratio | 0.148 | ▼-0.738 | ▼-0.483 |
| Long Term Debt To Capital Ratio | 0.148 | ▼-0.738 | ▼-0.483 |
| Financial Leverage Ratio | 11.490 | ▼-225.859 | ▼-49.524 |
| Working Capital Turnover Ratio | -0.087 | ▼-0.009 | ▼-0.011 |
| Operating Cash Flow Ratio | -0.015 | ▼-0.017 | ▼-0.013 |
| Operating Cash Flow Sales Ratio | -0.244 | ▼-0.288 | ▼-0.242 |
| Free Cash Flow Operating Cash Flow Ratio | 1.012 | ▲0.033 | ▲0.029 |
| Debt Service Coverage Ratio | -0.401 | ▲0.792 | ▼-0.395 |
| Interest Coverage Ratio | -0.440 | ▲0.058 | ▼-0.501 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | -0.862 | ▼-0.943 | ▼-0.720 |
| Capital Expenditure Coverage Ratio | -82.384 | ▼-131.166 | ▼-77.394 |
| Dividend Paid And Capex Coverage Ratio | -82.384 | ▼-131.166 | ▼-77.394 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 2.422 | ▼-4.821 | ▲1.509 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $142.2M | $7.7M | $15.2M | $41.9M | $61.4M | |
| Enterprise value | -$27.8M | -$106.8M | $163.8M | $118.6M | $135.0M | |
| EV / Sales | -0.48x | -1.76x | 2.53x | 2.50x | 3.69x | |
| EV / Op. cash flow | 1.96x | -39.80x | -15.29x | 16.85x | 17.78x | |
| EV / Free cash flow | 1.94x | -40.63x | -14.72x | 17.90x | 18.84x | |
| EV / EBITDA | 2.42x | 7.24x | -38.27x | 12.85x | 20.31x | |
| Net debt / EBITDA | 14.82x | 7.77x | -34.72x | 8.31x | 11.08x | |
| Current ratio | 0.44x | 0.18x | 0.10x | 0.15x | 0.19x | |
| Income quality | 1.11x | -0.07x | 2.56x | 1.14x | 1.49x | |
| Graham number | — | — | — | $23 | $22 | |
| Graham net-net | -$8 | -$210 | -$245 | -$217 | -$186 | |
| Tax burden | 100.5% | 247.8% | 74.2% | 79.4% | 101.6% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$544.2M | -$793.7M | -$759.9M | -$737.4M | -$612.1M | |
| Invested capital | -$516.0M | -$764.7M | -$729.8M | -$705.4M | -$579.2M | |
| Return on assets | -1.2% | -3.9% | -0.4% | 0.6% | 0.5% | |
| Operating ROA | -1.2% | -1.5% | -0.5% | 0.8% | 0.5% | |
| Return on tangible assets | -1.2% | -3.9% | -0.4% | 0.6% | 0.5% | |
| Return on equity | -13.4% | -935.1% | -9.4% | 10.3% | 7.6% | |
| Return on invested capital | -10.4% | -35.2% | -1.7% | 3.5% | 2.7% | |
| Return on capital employed | -10.4% | -35.2% | -2.2% | 4.4% | 2.7% | |
| Earnings yield | -8.9% | -516.0% | -27.5% | 14.7% | 8.3% | |
| Free cash flow yield | -10.1% | 34.0% | -73.3% | 15.8% | 11.7% | |
| Capex / Op. cash flow | -1.2% | 2.0% | -3.8% | 5.9% | 5.7% | |
| Capex / Depreciation | 14.5% | 4.1% | 30.5% | 28.2% | 26.3% | |
| Capex / Sales | 0.3% | 0.1% | 0.6% | 0.9% | 1.2% | |
| SG&A / Sales | 39.5% | 30.7% | 28.0% | 33.8% | 31.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 9.0% | 0.3% | 0.2% | 0.2% | 0.4% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | 0.1% | 0.1% | |
| Days sales outstanding | 31d | 33d | 41d | 56d | 58d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 31d | 33d | 41d | 56d | 58d | |
| Cash conversion cycle | 31d | 33d | 41d | 56d | 58d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+1739.6%EV / Sales ▲+72.9%EV / EBITDA ▼-66.6%EV / Op. cash flow ▲+41.755Earnings yield ▲+5.071
Profitability
Return on equity ▲+9.217Return on assets ▲+0.028Return on invested capital ▲+0.249Return on capital employed ▲+0.249Operating ROA ▲+0.003Income quality ▲+1.182Tax burden ▼-1.473
Efficiency
Days sales outstanding ▼-2.520Days payables outstanding n/aOperating cycle ▼-2.520Cash conversion cycle ▼-2.520Capex / Sales ▲+0.002R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.258Net debt / EBITDA ▲+7.058Working capital ▲+249536000.000Invested capital ▲+248740000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▲+131.7%EV / Sales ▼-113.0%EV / EBITDA ▼-88.1%EV / Op. cash flow ▼-15.819Earnings yield ▼-0.172
Profitability
Return on equity ▼-0.210Return on assets ▼-0.017Return on invested capital ▼-0.130Return on capital employed ▼-0.130Operating ROA ▼-0.018Income quality ▼-0.376Tax burden ▼-0.011
Efficiency
Days sales outstanding ▼-27.440Days payables outstanding n/aOperating cycle ▼-27.440Cash conversion cycle ▼-27.440Capex / Sales ▼-0.009R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.243Net debt / EBITDA ▲+3.742Working capital ▲+67894000.000Invested capital ▲+63216000.000Intangibles / Total assets ▼-0.001
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-07-01 Patriot Bank''s Formal Agreement With the OCC Has Been Terminated STAMFORD, Conn., July 01, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A.
- 2026-06-29 Patriot Bank Opens Flagship California Location in Beverly Hills With Over $100 Million in Deposits BEVERLY HILLS, Calif., June 29, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A. (“Patriot Bank”), the wholly owned subsidiary of Patriot National Bancorp, Inc. (NASDAQ: PNBK), announced the opening of its flagship California location in Beverly Hills with more than $100 million in deposits from high-net-worth families, entrepreneurs, and business leaders throughout Southern California. This milestone marks a significant achievement for Patriot Bank.
- 2026-06-22 Patriot Bank Expands into Palm Beach and the South Florida Market PALM BEACH, Fla., June 22, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A.
- 2026-06-15 Patriot Bank Expands High Net Worth Banking Platform in Greenwich, CT DeWitt Hutchins appointed as Patriot Bank''s Connecticut Market President servicing the needs of high-net-worth families and their advisors Sophia Salinas and Robert Black join Patriot Bank''s Greenwich team, further expanding the Bank''s relationship-driven banking capabilities for high-net-worth clients and their advisors Patriot Bank announces significant investment in and commitment to Greenwich, Connecticut including significant upgrades to the Mason Street branch. GREENWICH, Conn.