PNBK
Patriot National Bancorp, Inc.1.7200
+0.0600+3.61%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
197.78MP/E (TTM)
-Basic EPS (TTM)
-2.56Dividend Yield
0%Recent Filings
8-K
8-K
8-K
Board adds finance heavyweights
Patriot National Bancorp appointed Ida Liu, Jonathan Roth, and Jeffrey Seabold to its Board on November 19, 2025. Liu brings wealth management expertise from Citi Private Bank; Roth, real estate investment savvy from Canyon Partners; Seabold, banking chops from Banc of California. New directors pack heavy resumes. Company also posted Q3 2025 financial presentation on its IR site November 24.
8-K
Q3 2025 financial presentation posted
10-Q
Q3 FY2025 results
Patriot National Bancorp posted a Q3 net loss of $2.7M ($0.03/share), far milder than $27.0M ($6.78/share) last year, thanks to equity raises slashing shares outstanding from 4M to 115M. Net interest income held steady at $5.0M (flat y/y) despite loans shrinking $119M y/y to $589M, while Digital Payments drove noninterest income up to $2.7M. Deposits fell $136M y/y to $831M, cash swelled to $202M, and equity vaulted to $95M—exceeding OCC Agreement minimums (CET1 18.5%, total capital 19.2%). Provision flipped to a $0.4M credit amid lower charge-offs. Capital rebuilds balance sheet. CRE concentrations linger.
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