PNBK
Patriot National BancorpCNasdaq / Banks
Last Price
At close
2026-07-21
Current thesis
The constructive view is that primary filings show measurable balance-sheet repair: deposits increased, brokered deposits declined, nonperforming assets improved, and quarterly losses narrowed, which supports a gradual turnaround narrative if those trends persist [#10-Q-2026-05-15].
Posture
Mixed
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite.
What can break
Credit risk remains material because total nonperforming assets were still $22.9 million and nonaccrual commercial real estate plus commercial and industrial balances remain meaningful [#10-Q-2026-05-15].
Momentum
91
Value
37
Sentiment
40
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $0.95 · Bull $1.15 · Bear $0.70
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-06-12 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum91 · Δ7d -
Value37 · Δ7d -0.1
Sentiment40 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Momentum · See technicals
Momentum
91
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
37
39% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+1.1
Sentiment
40
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade C. Momentum 91.4 / Value 36.5 / Sentiment 40.3
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$137.67M
Beta
-0.70
Shares Out
117.67M
P/E (TTM) · Derived
-7.1
P/S (TTM)
6.93
P/FCF (TTM)
70.45
Rev YoY
+17.6%
EPS YoY
-92.7%
Gross Margin
-
Op Margin
-75.0%
Net Debt
-$5.57M
Current Ratio
0.31
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology