PNBK Valuation

Patriot National Bancorp Inc

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1.130

+0.03(2.727%)1D

PNBK Relative Valuation

PNBK's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PNBK is overvalued; if below, it's undervalued.

Historical Valuation

Patriot National Bancorp Inc (PNBK) is now in the Undervalued zone, suggesting that its current forward PE ratio of 1.09 is considered Undervalued compared with the five-year average of 7.11. The fair price of Patriot National Bancorp Inc (PNBK) is between 3.58 to 11.18 according to relative valuation methord. Compared to the current price of 1.10 USD , Patriot National Bancorp Inc is Undervalued By 69.24%.

Relative Value

Fair Zone

3.58-11.18

Current Price：1.10

69.24%

Undervalued

1.09

Trailing

Forward

0.00

EV/EBITDA

Patriot National Bancorp Inc. (PNBK) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Patriot National Bancorp Inc. (PNBK) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

1.10

Patriot National Bancorp Inc. (PNBK) has a current PS of 1.10. The 5-year average PS is 1.47. The thresholds are as follows: Strongly Undervalued below -2.12, Undervalued between -2.12 and -0.33, Fairly Valued between 3.26 and -0.33, Overvalued between 3.26 and 5.05, and Strongly Overvalued above 5.05. The current Forward PS of 1.10 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Patriot National Bancorp Inc. (PNBK) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Patriot National Bancorp Inc. (PNBK) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Patriot National Bancorp Inc (PNBK) has a current Price-to-Book (P/B) ratio of 1.54. Compared to its 3-year average P/B ratio of 0.96 , the current P/B ratio is approximately 61.52% higher. Relative to its 5-year average P/B ratio of 0.86, the current P/B ratio is about 79.02% higher. Patriot National Bancorp Inc (PNBK) has a Forward Free Cash Flow (FCF) yield of approximately -0.11%. Compared to its 3-year average FCF yield of -9.31%, the current FCF yield is approximately -98.86% lower. Relative to its 5-year average FCF yield of -0.29% , the current FCF yield is about -63.72% lower.

1.54

P/B

Median3y

0.96

Median5y

0.86

-0.11

FCF Yield

Median3y

-9.31

Median5y

-0.29

Competitors Valuation Multiple

The average P/S ratio for PNBK's competitors is 11.98, providing a benchmark for relative valuation. Patriot National Bancorp Inc Corp (PNBK) exhibits a P/S ratio of 1.10, which is -90.82% above the industry average. Given its robust revenue growth of -20.61%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

PNBK.O

Patriot National Bancorp Inc

MainStreet Bancshares Inc

Eagle Bancorp Montana Inc

16.50

15.92%

131.21M

Performance Decomposition

Market capitalization of PNBK decreased by 49.78% over the past 1 year. The primary factor behind the change was an decrease in Margin Expansion from -55.51 to -113.50.

The secondary factor is the Revenue Growth, contributed -20.61%to the performance.

Overall, the performance of PNBK in the past 1 year is driven by Margin Expansion. Which is more sustainable.

-20.61%

5.55M → 4.41M

Revenue Growth

104.47%

-55.51 → -113.50

Margin Expansion

-133.64%

1.84 → -0.62

P/E Change

-49.78%