Get started

Financials · PNBK

Patriot National Bancorp Inc. (PNBK) financials

For the twelve months ended Jun 30, 2026, Patriot National Bancorp Inc. reported $39.09M of revenue and -$6.54M of net income.

Revenue, TTM
$39.09M
Revenue growth, YoY
+47.0%
Net income, TTM
-$6.54M
Net margin
-16.7%
Free cash flow, TTM
-$18.50M
Cash
$121.51M
P/S
2.67
Market cap
$104.5M
Annual revenue$29.63M
FY2016FY2025
Annual net income-$12.71M
FY2016FY2025
Annual free cash flow-$14.34M
FY2016FY2025

PNBK revenue and earnings growth

PNBK revenueQ2 2026$12.04M

Quarter YoY
+93.7%
QoQ
+16.7%
FY YoY
+4.2%
5Y CAGR
+2.5%
10Y CAGR
+2.7%

PNBK revenue was $12.04M in fiscal Q2 2026 (ended Jun 30, 2026), up 93.7% from a year earlier and up 16.7% from the prior quarter. For the full fiscal 2025 it was $29.63M, up 4.2% from fiscal 2024. Compound annual growth was +2.5% over 5 years and +2.7% over 10 years. It rose in 6 of the last 10 fiscal years.

PNBK net incomeQ2 2026$143.0K

PNBK net income was $143.0K in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$5.00M a year earlier. For the full fiscal 2025 it was -$12.71M, compared with -$39.88M in fiscal 2024.

PNBK EPSQ2 2026$0.00

PNBK diluted EPS was $0.00 in fiscal Q2 2026 (ended Jun 30, 2026). For the full fiscal 2025 it was -$0.17.

PNBK free cash flowQ2 2026-$5.67M

PNBK free cash flow was -$5.67M in fiscal Q2 2026 (ended Jun 30, 2026), compared with $919.0K a year earlier. For the full fiscal 2025 it was -$14.34M, compared with $2.63M in fiscal 2024.

Export CSV

Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$29.63M$28.44M$34.51M$36.86M$29.68M$26.13M$27.91M$29.62M$27.34M$23.96M
Interest expense--$30.46M$10.75M$7.09M$13.75M$18.22M$12.38M$6.96M$3.01M
Pre-tax income-$12.65M-$16.10M-$5.63M$7.76M$5.01M-$4.16M-$3.72M$4.09M$7.02M$3.14M
Income tax$59.0K$23.79M-$1.45M$1.60M-$81.0K-$337.0K-$899.0K$890.0K$2.88M$1.21M
Net income-$12.71M-$39.88M-$4.18M$6.16M$5.09M-$3.82M-$2.82M$3.20M$4.15M$1.93M
EPS, basic-$0.17-$10.03-$1.05$1.56$1.29-$0.97-$0.72$0.82$1.06$0.49
EPS, diluted-$0.17-$10.03-$1.05$1.55$1.29-$0.97-$0.72$0.82$1.06$0.49
Diluted shares76.8M4.0M4.0M4.0M4.0M3.9M3.9M3.9M3.9M4.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$207.13M$162.61M$66.54M$38.49M$47.05M$34.64M$39.40M$66.44M$48.73M$92.29M
Goodwill$0$0$0$1.11M$1.11M$1.11M$1.11M$1.73M$1.73M-
Total assets$1.09B$1.01B$1.09B$1.04B$948.48M$880.73M$979.84M$951.70M$852.08M$756.65M
Total debt$16.45M$33.10M$201.10M$115.20M$120.70M$120.80M$130.90M$131.00M$141.40M$1.77M
Total liabilities$993.16M$1.01B$1.05B$983.78M$881.14M$817.51M$912.84M$882.36M$785.33M$694.08M
Shareholders' equity$94.68M$4.26M$44.38M$59.58M$67.34M$63.22M$66.99M$69.34M$66.75M$62.57M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow-$14.17M$2.68M-$10.71M$7.04M$7.60M$6.28M-$11.91M$5.27M$7.29M$4.53M
Capital expenditures$172.0K$55.0K$412.0K$414.0K$430.0K$70.0K$552.0K$1.14M$3.06M$3.53M
Free cash flow-$14.34M$2.63M-$11.13M$6.62M$7.17M$6.21M-$12.47M$4.13M$4.23M$996.0K
Investing cash flow-$20.52M$135.01M-$27.18M-$122.05M-$55.20M$82.92M-$41.78M-$26.88M-$140.85M-$99.11M
Financing cash flow$79.21M-$41.62M$65.93M$106.46M$60.02M-$93.97M$26.66M$39.32M$90.00M$101.47M
Dividends paid$0$0$0$0$0$0$155.0K$154.0K$77.0K-
Share repurchases--------$2.0K$1.02M
Stock-based compensation$5.23M$184.0K$105.0K$86.0K$150.0K$159.0K$214.0K$220.0K$146.0K$161.0K
Depreciation and amortization$986.0K$1.08M$1.19M$1.32M$1.52M$1.50M$1.60M$1.49M$1.27M$1.21M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY4.2%-17.6%-6.4%24.2%13.6%-6.4%-5.8%8.4%14.1%6.0%
Net income growth, YoY---20.9%----22.9%114.9%-9.9%
EPS growth, YoY---20.2%----22.6%116.3%-10.9%
Net margin-42.9%-140.2%-12.1%16.7%17.2%-14.6%-10.1%10.8%15.2%8.1%
Free cash flow margin-48.4%9.2%-32.2%18.0%24.1%23.8%-44.7%13.9%15.5%4.2%
Return on equity-13.4%-935.1%-9.4%10.3%7.6%-6.0%-4.2%4.6%6.2%3.1%
Return on assets-1.2%-3.9%-0.4%0.6%0.5%-0.4%-0.3%0.3%0.5%0.3%
Debt to equity0.177.764.531.931.791.911.951.892.120.03

Source: XBRL data Patriot National Bancorp Inc. files with the SEC, latest filing dated Aug 14, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 1-for-10, first reported Apr 1, 2015.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PNBK peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PNBK$39.09M+47.0%-$6.54M-16.7%$104.5M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

PNBK FAQ

7 questions
  • What is PNBK revenue?
    Patriot National Bancorp Inc. (PNBK) reported $39.09M of revenue for the twelve months ended Jun 30, 2026. That is up 47.0% from the year before. Revenue for fiscal 2025 was $29.63M.
  • Is PNBK profitable?
    No. Patriot National Bancorp Inc. reported a net loss of $6.54M for the twelve months ended Jun 30, 2026.
  • How much cash and debt does PNBK have?
    Patriot National Bancorp Inc. reported $121.51M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is PNBK revenue growing?
    Patriot National Bancorp Inc.'s revenue changed +4.2% in fiscal 2025, to $29.63M. Its compound annual growth rate was +2.5% over 5 years and +2.7% over 10 years.
  • What is PNBK free cash flow?
    Patriot National Bancorp Inc. generated -$18.50M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of -$17.82M less capital expenditures.
  • When did PNBK last report financial results?
    The latest statements here come from Patriot National Bancorp Inc.'s 10-Q filed on Aug 14, 2026, covering the period ended Jun 30, 2026.
  • Where does this PNBK financial data come from?
    Quantisnow builds these statements from the structured XBRL data Patriot National Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.