(PNBK) Patriot National Bancorp - Ratings and Ratios

Patriot National Bancorp, Inc. serves as the holding company for Patriot Bank, N.A., a community-focused financial institution. Established in 1994 and headquartered in Stamford, Connecticut, the bank provides a comprehensive suite of banking services tailored to individuals, small to medium-sized businesses, and professionals. Their deposit offerings include a range of accounts such as checking, NOW accounts, money market, savings, and CDs, along with specialized accounts like IRAs and HSAs. Additionally, they provide certificate of deposit registry services, enhancing their deposit product lineup.

The banks loan portfolio is diverse, encompassing commercial real estate, commercial business loans, SBA loans, construction loans, residential real estate, and various consumer loans. This diversity suggests a balanced approach to credit distribution, catering to both individual and business needs. Beyond core banking, Patriot Bank offers an array of convenience services, including ACH transfers, lockbox, internet banking, bill payment, remote deposit capture, debit cards, money orders, travelers checks, and ATM services, ensuring a seamless banking experience for its customers.

From a technical standpoint, Patriot National Bancorps stock (NASDAQ: PNBK) has shown recent price movements below key moving averages, with the last price at $1.06, below the SMA20 ($1.26), SMA50 ($1.55), and SMA200 ($1.80). The average trading volume over 20 days is approximately 114,511 shares, with an ATR of 0.19, indicating moderate volatility. The stocks fundamental metrics reveal a market cap of $4.37M, a price-to-book ratio of 0.28, and a price-to-sales ratio of 0.17, suggesting potential undervaluation, though the absence of a P/E ratio may signal current earnings challenges.

Looking ahead, the 3-month forecast indicates a neutral to bearish outlook. The stocks position below its moving averages may suggest continued downward pressure. However, the low P/B and P/S ratios could attract value investors, signaling potential undervaluation. Investors should remain cautious due to the lack of profitability indicated by the P/E ratio. Monitoring volume and potential price movements around the SMA20 and SMA50 will be crucial for assessing any trend reversals.