Patriot National Bancorp (PNBK) Fundamental Analysis: Revenue, Earnings & Valuation

3.52 / 10

Netural

Fundamental rating is neutral with a 3.5/10 score. Strengths include a 36.9% gross profit margin and solid current‑liability ratios. However, asset‑to‑market value and profit‑to‑market value are negative, net‑income/revenue is low, and PB‑ROE is markedly below peers, indicating weak quality.

Analysis Checks(7/10)

Gross profit margin (%)

Value36.92

Score3/3

Weight7.32%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value49.61

Score3/3

Weight7.31%

1M Return3.70%

Profit-MV

Value0.40

Score0/3

Weight7.90%

1M Return4.03%

Net income-Revenue

Value-0.15

Score0/3

Weight7.95%

1M Return3.99%

PB-ROE

Value-0.95

Score3/3

Weight17.31%

1M Return7.21%

Non-current liabilities / Total liabilities (%)

Value53.26

Score3/3

Weight7.32%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.31%

1M Return3.70%

Cash-UP

Value-0.01

Score2/3

Weight8.81%

1M Return4.32%

Asset-MV

Value-0.49

Score1/3

Weight14.80%

1M Return6.12%

Cash-MV

Value-0.09

Score2/3

Weight13.97%

1M Return6.14%

Is PNBK undervalued or overvalued?

PNBK scores 3.52/10 on fundamentals and holds a Fair valuation at present. Backed by its -25.69% ROE, -42.90% net margin, -11.98 P/E ratio, 1.61 P/B ratio, and 98.31% earnings growth, these metrics solidify its Netural investment rating.