Patriot National Bancorp, Inc. (PNBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$0.82-8.02%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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 | -30.2% |
| Our one-year growth estimate | diamond | -41.7% |
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 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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 11.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 231 industry peers
PNBK — debt issuance
Dated 2026-09-24
Entry into a Material Definitive Agreement. Patriot National Bancorp, Inc. (the “Company”) entered into a securities purchase agreement (the “Purchase Agreements”), dated as of September 23, 2026, with certain accredited investors named therein (the “Investors”), pursuant to which the Company agreed to issue and sell, in a registered direct offering by the Company directly to the Investors (the “Offering”), an aggregate of: ● 4,782,608 shares of the Company’s voting common stock, $0.01 par va…
Why it matters: Management tied $700 million in asset growth to over $1 million more net income each month. Results can show whether that link is working.
Watch forReported assets rise by $700 million. Monthly net income rises by over $1 million from the stated baseline.
Also watch forAssets do not rise by $700 million, or monthly net income fails to rise by over $1 million.
Why it matters: The CEO named deposit growth across key markets as a focus. Reported deposit growth would show progress on that plan.
Supportive ifThe next results report shows deposits grew, with growth reported across key markets.
Worry ifThe next results report shows deposits fell, or gives no evidence of growth across key markets.
Why it matters: The notes carry an 8.5% fixed-to-floating rate and mature in 2036. Later filings can show how much they cost and how funds are used.
Worry ifA filing shows interest costs rise and does not link the funds to added income or lower costs.
Less concerning ifA filing links the funds to added income or lower costs, with no rise in reported interest expense.
Why it matters: PNBK earned $143,000 in Q2 after a loss in Q1. Another profit would show that the move toward break-even is holding.
Supportive ifOn November 13, Q3 net income is positive. Operating losses are below Q2's $1.384 million.
Worry ifQ3 net income turns negative, or operating losses rise above Q2's $1.384 million.
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.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$196 on $10,000 · ±2.0% | How much price usually moves either way. |
| Bad day | $689 loss on $10,000 · 6.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $5,833 loss on $10,000 · 58.3% | 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: The company agreed to issue 4,782,608 common shares. A completed sale would confirm the new shares entered the market.
Worry ifA company filing confirms the sale of all 4,782,608 shares agreed in the offering.
Less concerning ifA company filing says the offering was canceled or fewer than 4,782,608 shares were sold.