B+
Bull case
25%
Probability
Target price
$1.15
Analysis reference price unavailable
Analysis 2026-06-12 · RankAlpha Sentiment Codex
PNBK
Patriot National BancorpCNasdaq / Banks
Last Price
Quote time unavailable
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
Sentiment
What changed
Sentiment 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
35
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $0.95 · Bull $1.15 · Bear $0.70Analysis 2026-06-12; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-06-12 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum91 · Δ7d -
Value35 · Δ7d +0.8
Sentiment61 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Sentiment remains the lead driver in the composite.
Contradictions & invalidation
- • 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].
- • On-hand liquidity declined to 20.04% of liabilities at March 31, 2026 from 39.62% at December 31, 2025, even though contingent liquidity improved through added borrowing capacity [#10-Q-2026-05-15].
- • The cautious view is that profitability remains unproven, on-hand liquidity fell to 20.04% of liabilities from 39.62%, and the reverse-split authorization highlights how much of the near-term story is still about capital-markets mechanics rather than earnings power [#10-Q-2026-05-15] [#8-K-2026-05-26].
Catalyst clock
2026-08-14
Deposit mix improvement is the main operating lever
Lead driver: Sentiment · See AI snapshot
Momentum
91
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
35
28% active weight
Current posture
7d trendFlat
Δ7d
+0.8
Δ21d
+0.9
Sentiment
61
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade C. Momentum 91.4 / Value 35.4 / Sentiment 60.8
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-06-12. Scenario method
Most likely
B
Base case
45%
Probability
Target price
$0.95
Analysis reference price unavailable
Analysis 2026-06-12 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$0.70
Analysis reference price unavailable
Analysis 2026-06-12 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$128.24M
Beta
-0.70
Shares Out
118.74M
P/E (TTM) · Derived
-6.5
P/S (TTM)
6.93
P/FCF (TTM)
70.45
Rev YoY
+44.2%
EPS YoY
-101.9%
Gross Margin
-
Op Margin
-11.9%
Net Debt
-$5.57M
Current Ratio
0.37
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data