B+
Bull case
25%
Probability
Target price
$1.15
-1.7% vs current
PNBK
Patriot National BancorpCNasdaq / Banks
Last Price
At close
2026-07-21
AI scenario view
RankAlpha Sentiment CodexMost likely
B
Base case
45%
Probability
Target price
$0.95
-18.8% vs current
B-
Bear case
30%
Probability
Target price
$0.70
-40.2% vs current
AI sentiment snapshot
Latest data as of 2026-06-12
Recent news sentiment (30D)
+22.1
Positive
Company
-
Unavailable
Macro
+23.1
Positive
Pulse
-30.0
Negative
Sentiment proxy
+26.4
Score
AI commentary
Primary-source support is solid, but this remains a low-coverage monitoring story rather than a high-conviction rerating thesis. Deterministic signals are essentially neutral, there are no analyst targets or revision signals in the packet, social context is absent, and the stock was still below $1 at the June 11, 2026 anchor despite the May 20 reverse-split authorization. That mix points to cautious sentiment with event-driven trading risk outweighing broad sponsorship for now.
RankAlpha Sentiment Codex - 2026-06-12
Open full AI memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-08-14catalystDeposit mix improvement is the main operating leverHigh impact
Q1 2026 deposits rose to $1.048 billion from $965.8 million while brokered deposits fell to $31.9 million from $54.7 million, supporting the turnaround case if management can keep reducing higher-risk funding without sacrificing franchise growth [#10-Q-2026-05-15].
2026-08-14catalystCredit normalization still has to translate into earningsHigh impact
Q1 2026 net loss narrowed to $1.755 million from $2.777 million a year earlier, and nonperforming assets improved to 1.94% of total assets from 2.24% at year-end, but Patriot still needs further credit cleanup and expense discipline to reach durable profitability [#10-Q-2026-05-15].
2027-05-20eventBoard now has one-year reverse-split authorityHigh impact
Shareholders approved authority for the board to execute a 1-for-10 to 1-for-20 reverse stock split at its discretion within one year of May 20, 2026, leaving capital-markets optics and execution as the clearest near-term event but not a fundamental earnings fix [#8-K-2026-05-26].
Recommendation
N/A
No formal recommendation provided.
As of 2026-06-12 • Updated nightlySource: Internal modelMethodology