Patriot National Bancorp, Inc. (PNBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$1.11-0.89%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · PNBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -8.2% |
| Our one-year growth estimate | diamond | -37.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 29.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 220 industry peers · Company calendar date is not available
PNBK — officer change
Dated 2026-04-28
The company amended employment agreements to include severance provisions and benefits for certain executives.
Why it matters: New M&A activity may show growth. This can help boost investor confidence.
Supportive ifAnnouncement of a new M&A deal or partnership.
Worry ifNo new M&A activity announced.
Why it matters: If revenue growth drops, it signals a potential slowdown in the financial sector.
Worry ifReported revenue growth falls below the median of 15%.
Less concerning ifRevenue growth remains at or above the median of 15%.
Why it matters: Lowering operating losses means better cost management. This may help with profits in the future.
Supportive ifOperating losses are down compared to Q1 2026 results.
Worry ifOperating losses are up compared to Q1 2026 results.
Why it matters: Good news could lower costs and make operations more flexible.
Supportive ifMore news could show lower regulatory costs or better compliance.
Worry ifNew rules might erase the good effects of ending the agreement.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$255 on $10,000 · ±2.6% | How much price usually moves either way. |
| Bad day | $682 loss on $10,000 · 6.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $5,130 loss on $10,000 · 51.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Growing the deposit base is key for long-term growth and steady earnings.
Watch forManagement reports clear growth in deposits in key markets in the next update.
Also watch forNo big growth in deposits is reported, showing problems in growing.
Why it matters: The termination of the OCC agreement could lower costs and improve operations. This may help the bank's financial performance.
Supportive ifPatriot Bank says it has lower regulatory costs. It also has better financial numbers for the next earnings call.
Worry ifThe bank still has high regulatory costs. There is no change in financial numbers.
Why it matters: Growing assets by $700 million could lead to increased net income. This is crucial for the bank's financial health.
Supportive ifPatriot Bank reports $700 million in asset growth by the end of 2026.
Worry ifAsset growth falls short of $700 million by year-end 2026.
Why it matters: Ending this could lower costs and help make more money. This is important for growth.
Supportive ifManagement will talk about lower costs in the next earnings call.
Worry ifCosts stay the same or go up even after the end.
Why it matters: Hitting this target shows growth in assets and better profits. It means management's plan is working.
Supportive ifNet income over $1 million in any month shows good asset growth.
Worry ifNet income under $1 million shows slow asset growth and low profits.
Why it matters: This target is important for showing better profits. It shows improved financial health and efficiency.
Supportive ifROTCE over 15% shows management is meeting its profit goals.
Worry ifROTCE under 15% shows ongoing problems with profits.
Why it matters: Achieving this target is linked to increased net income. It shows the bank is expanding effectively.
Supportive ifTotal assets went up by $700 million. This shows good growth efforts.
Worry ifAsset growth fails to reach $700 million, suggesting challenges in the growth strategy.
Why it matters: Ending the agreement can cut costs and improve operations. This may boost financial results.
Supportive ifThere is good news about lower costs. This comes after the OCC agreement ends.
Worry ifBad news or new problems with rules could reduce the benefits of ending the agreement.