InsiderClue
Stocks · Financials · National Commercial Banks

PATRIOT NATIONAL BANCORP INC

PNBK Clue Score49
United States Fiscal year ends December CIK 0001098146
$0.88 +1.98% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $0.88 −90.98% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income1.9EPS, diluted0.49Fiscal year 2017Net income4.1 +114.9%EPS, diluted1.06Fiscal year 2018Net income3.2 −22.9%EPS, diluted0.82Fiscal year 2019Net income−2.8 −188.1%EPS, diluted−0.72Fiscal year 2020Net income−3.8EPS, diluted−0.97Fiscal year 2021Net income5.1EPS, diluted1.29Fiscal year 2022Net income6.2 +20.9%EPS, diluted1.55Fiscal year 2023Net income−4.2 −167.8%EPS, diluted−1.05Fiscal year 2024Net income−39.9EPS, diluted−10.03Fiscal year 2025Net income−12.7EPS, diluted−0.17
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 1.9 4.1 3.2 −2.8 −3.8 5.1 6.2 −4.2 −39.9 −12.7
Growth +114.9% −22.9% −188.1% +20.9% −167.8%
EPS, diluted 0.49 1.06 0.82 −0.72 −0.97 1.29 1.55 −1.05 −10.03 −0.17

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow4.5Capital expenditure−3.5Free cash flow1.0Buybacks−1.0Fiscal year 2017Operating cash flow7.3Capital expenditure−3.1Free cash flow4.2 +324.7%Buybacks−0.0Dividends paid−0.1Fiscal year 2018Operating cash flow5.3Capital expenditure−1.1Free cash flow4.1 −2.4%Dividends paid−0.2Fiscal year 2019Operating cash flow−11.9Capital expenditure−0.6Free cash flow−12.5 −401.9%Dividends paid−0.2Fiscal year 2020Operating cash flow6.3Capital expenditure−0.1Free cash flow6.2Dividends paid0.0Fiscal year 2021Operating cash flow7.6Capital expenditure−0.4Free cash flow7.2 +15.4%Dividends paid0.0Fiscal year 2022Operating cash flow7.0Capital expenditure−0.4Free cash flow6.6 −7.6%Dividends paid0.0Fiscal year 2023Operating cash flow−10.7Capital expenditure−0.4Free cash flow−11.1 −268.0%Dividends paid0.0Fiscal year 2024Operating cash flow2.7Capital expenditure−0.1Free cash flow2.6Dividends paid0.0Fiscal year 2025Operating cash flow−14.2Capital expenditure−0.2Free cash flow−14.3 −645.7%Dividends paid0.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 4.5 7.3 5.3 −11.9 6.3 7.6 7.0 −10.7 2.7 −14.2
Capital expenditure −3.5 −3.1 −1.1 −0.6 −0.1 −0.4 −0.4 −0.4 −0.1 −0.2
Free cash flow 1.0 4.2 4.1 −12.5 6.2 7.2 6.6 −11.1 2.6 −14.3
Growth +324.7% −2.4% −401.9% +15.4% −7.6% −268.0% −645.7%
Buybacks −1.0 −0.0 n/a n/a n/a n/a n/a n/a n/a n/a
Dividends paid n/a −0.1 −0.2 −0.2 0.0 0.0 0.0 0.0 0.0 0.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash92.3Total debt159.5Net cash (debt)−67.2Shareholders’ equity62.6Debt to equity2.55Fiscal year 2017Cash48.7Total debt141.4Net cash (debt)−92.7Shareholders’ equity66.7Debt to equity2.12Fiscal year 2018Cash66.4Total debt131.0Net cash (debt)−64.6Shareholders’ equity69.3Debt to equity1.89Fiscal year 2019Cash39.4Total debt130.9Net cash (debt)−91.5Shareholders’ equity67.0Debt to equity1.95Fiscal year 2020Cash34.6Total debt120.8Net cash (debt)−86.2Shareholders’ equity63.2Debt to equity1.91Fiscal year 2021Cash47.0Total debt120.7Net cash (debt)−73.7Shareholders’ equity67.3Debt to equity1.79Fiscal year 2022Cash38.5Total debt115.2Net cash (debt)−76.7Shareholders’ equity59.6Debt to equity1.93Fiscal year 2023Cash66.5Total debt201.1Net cash (debt)−134.6Shareholders’ equity44.4Debt to equity4.53Fiscal year 2024Cash162.6Total debt33.1Net cash (debt)129.5Shareholders’ equity4.3Debt to equity7.76Fiscal year 2025Cash207.1Total debt16.4Net cash (debt)190.7Shareholders’ equity94.7Debt to equity0.17
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 92.3 48.7 66.4 39.4 34.6 47.0 38.5 66.5 162.6 207.1
Total debt 159.5 141.4 131.0 130.9 120.8 120.7 115.2 201.1 33.1 16.4
Net cash (debt) −67.2 −92.7 −64.6 −91.5 −86.2 −73.7 −76.7 −134.6 129.5 190.7
Shareholders’ equity 62.6 66.7 69.3 67.0 63.2 67.3 59.6 44.4 4.3 94.7
Debt to equity 2.55 2.12 1.89 1.95 1.91 1.79 1.93 4.53 7.76 0.17

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
38.5% 40.9% 21.8% n/a n/a −1.6% 20.6% n/a n/a n/a
Returns
3.1% 6.2% 4.6% −4.2% −6.0% 7.6% 10.3% −9.4% −935.1% −13.4%
0.3% 0.5% 0.3% −0.3% −0.4% 0.5% 0.6% −0.4% −3.9% −1.2%
Balance and payout
2.55 2.12 1.89 1.95 1.91 1.79 1.93 4.53 7.76 0.17
91.7% 92.2% 92.7% 93.2% 92.8% 92.9% 94.3% 95.9% 99.6% 91.3%
n/a 1.9% 4.8% n/a n/a 0.0% 0.0% n/a n/a n/a
102.1% 1.9% 3.7% n/a 0.0% 0.0% 0.0% n/a 0.0% n/a