NASDAQ · Banks - Regional

PNBK (PNBK) Stock

$1.14 +4.59% NASDAQ: PNBK Financial Services

Valuation

MetricValue
Price$1.14
Market Cap$134.06M
P/E Ratio-7.06
P/B Ratio1.39
P/S Ratio2.17
EPS (TTM)$-0.16
52-Week High$2.00
52-Week Low$0.86
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE-13.68%
ROA-1.19%
ROCE-13.68%
Gross Margin-22.41%
Operating Margin-22.41%
Net Margin-19.17%
Debt/Equity0.29
Current Ratio0.44

Annual Financials (USD)

Metric20212022202320242025
Revenue$37.0M$47.0M$65.0M$61.0M$58.0M
Operating Profit$5.0M$8.0M$-6.0M$-16.0M$-13.0M
Net Profit$5.0M$6.0M$-4.0M$-40.0M$-13.0M
EPS$1.29$1.56$-1.05$-10.01$-0.16
Op Margin13.7%16.4%-8.7%-26.6%-21.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$948.0M$1.0B$1.1B$1.0B$1.1B
Total Liabilities$881.0M$984.0M$1.0B$1.0B$993.0M
Cash$47.0M$38.0M$53.0M$148.0M$186.0M
Borrowings$121.0M$115.0M$201.0M$33.0M$16.0M

Latest News

Patriot Bank's Agreement With Office of Comptroller of the Currency Terminated MT Newswires · Jul 1, 2026 Patriot Bank’s Formal Agreement With the OCC Has Been Terminated GlobeNewswire · Jul 1, 2026 Patriot Bank Opens Flagship California Location in Beverly Hills With Over $100 Million in Deposits GlobeNewswire · Jun 29, 2026 Patriot Bank Expands into Palm Beach and the South Florida Market GlobeNewswire · Jun 22, 2026 Patriot Bank Expands High Net Worth Banking Platform in Greenwich, CT GlobeNewswire · Jun 15, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$8.0M$7.0M$-11.0M$3.0M$-14.0M
Investing Cash Flow$-56.0M$-122.0M$-28.0M$135.0M$-21.0M
Financing Cash Flow$60.0M$112.0M$-20.0M$127.0M$-6.0M
Net Cash Flow$12.0M$-9.0M$28.0M$96.0M$45.0M
Free Cash Flow$7.0M$7.0M$-11.0M$3.0M$-14.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y-19.46%
Return 3Y-85.19%
Return 5Y-86.67%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AFBI $22.98 +0.13% 17.43 $140.06M 0.00%
BSBK $9.08 +0.33% 50.00 $116.72M 0.00%
EBMT $23.89 +0.84% 11.63 $190.29M 2.63%
LSBK $17.20 +0.00% 14.78 $135.24M 2.23%
MGYR $18.18 -0.65% 9.93 $117.46M 2.05%

About PNBK

PNBK is led by CEO Steven Alan Sugarman, employs 129 people, headquartered in US, publicly traded since 1994.

PNBK stock trades at $1.14 with a market capitalization of $134.06M. The stock is valued at a price-to-earnings (P/E) ratio of -7.06, price-to-book of 1.39, price-to-sales of 2.17. Over the past 52 weeks the stock has ranged between $0.86 and $2.00, and currently trades 43.0% below its 52-week high.

On profitability, PNBK generates a return on equity (ROE) of -13.68%, return on capital employed of -13.68%, an operating margin of -22.41%, a net profit margin of -19.17%.

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