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Market Price

15.32 

-0.66 -4.1%

as of Jun 24 '19

52 Week Range:

13.80 25.50


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Patriot National Bancorp, Inc. operates as the bank holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company offers consumer and commercial deposit accounts, such as checking accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, time certificates of deposit, savings accounts, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, construction, and consumer loans. The company also offers automated clearing house transfers, lockbox, Internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. Patriot National Bancorp, Inc. provides its products and services through its main office in Stamford; seven branch offices in Connecticut; and two branch offices in New York. The company was founded in 1994 and is headquartered in Stamford, Connecticut. Patriot National Bancorp, Inc. is a subsidiary of PNBK Holdings LLC.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 123.86
75.30
17.51
13.21
12.88
10.46
15.36
15.39
16.08
17.00
17.62
growth rate -39.2% -76.8% -24.6% -2.5% -18.8% 46.9% 0.2% 4.5% 5.7% 3.7%
Earnings BIT -10.18
-21.67
-15.17
-15.46
-0.54
-7.63
1.57
4.18
3.90
9.03
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 166.8% -6.5% 131.4%
Avg.PE -9.10
-0.70
-1.50
-5.10
-115.10
-64.09
3.69
4.10
30.71
17.55
19.85
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 11.1% 649.0% -42.9% 13.1%
ROA -0.83
-2.68
-1.87
-2.13
-0.08
-1.26
2.68
0.33
0.27
0.52
0.35
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -87.7% -18.2% 92.6% -32.7%
ROE -11.32
-50.47
-29.89
-26.26
-1.07
-15.95
31.24
3.57
3.11
6.41
4.70
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -88.6% -12.9% 106.1% -26.7%
ROIC 10.12
-1.78
-1.94
-5.93
6.36
-2.47
12.00
growth rate -100.0% 0.0% 0.0% 100.0% -100.0% 100.0%
Leverage 15.54
24.16
11.68
13.17
12.46
12.94
10.77
10.63
12.09
12.77
13.73
growth rate 55.5% -51.7% 12.8% -5.4% 3.9% -16.8% -1.3% 13.7% 5.6% 7.5%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 2.45
1.89
1.57
1.92
2.01
2.73
3.50
growth rate -22.8% -17.3% 22.5% 4.8% 35.6% 28.3%
Acct.Payable 5.11
5.76
3.96
443.03
444.67
529.32
637.44
743.28
growth rate 12.7% -31.3% 11,101.9% 0.4% 19.0% 20.4% 16.6%
Cur.Assets 75.18
87.41
95.87
52.23
73.43
growth rate 16.3% 9.7% -45.5% 40.6%
Total Assets 913.40
866.40
784.30
665.82
617.90
541.20
632.62
653.36
756.65
852.08
951.70
growth rate -5.2% -9.5% -15.1% -7.2% -12.4% 16.9% 3.3% 15.8% 12.6% 11.7%
Cash 4.30
97.50
136.80
130.90
15.60
-36.10
73.23
85.38
92.29
48.73
66.44
growth rate 2,167.4% 40.3% -4.3% -88.1% -100.0% 100.0% 16.6% 8.1% -47.2% 36.3%
Inventory 0.85
2.95
growth rate 86.0%
Cur.Liabilities 565.64
447.50
546.93
641.13
758.64
growth rate -20.9% 22.2% 17.2% 18.3%
Liabilities 854.60
830.60
717.20
615.27
568.30
499.40
573.89
591.89
694.08
785.33
882.36
growth rate -2.8% -13.7% -14.2% -7.6% -12.1% 14.9% 3.1% 17.3% 13.2% 12.4%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
58.20
65.20
8.25
142.03
144.48
141.37
120.79
growth rate 0.1% 0.1% 0.1% -97.1% 12.0% -87.4% 1,621.9% 1.7% -2.2% -14.6%
Equity 58.80
35.90
67.20
50.55
49.60
41.80
58.74
61.46
62.57
66.75
69.34
growth rate -39.0% 87.2% -24.8% -1.9% -15.7% 40.5% 4.7% 1.8% 6.7% 3.9%
Common Shares 5.00
5.00
1.00
4.00
4.00
4.00
4.00
4.00
4.00
4.00
4.00
growth rate 0.0% -80.0% 300.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 1.80
0.30
0.20
0.69
0.62
8.28
8.38
6.24
3.53
3.06
1.14
growth rate -83.3% -33.3% 242.5% -10.1% 1,244.0% 1.2% -25.6% -43.4% -13.3% -62.7%
Cash Dividends 0.90
0.20
0.00
0.00
0.00
0.00
0.08
0.08
0.08
0.08
0.15
growth rate -77.8% -100.0% 0.0% 0.0% 0.0% 100.0%
Cash From OA 1.50
-9.80
-2.89
-0.98
-3.15
22.49
5.67
4.53
7.29
5.59
growth rate -100.0% 0.0% 0.0% 0.0% 100.0% -74.8% -20.2% 61.1% -23.4%
FCF per Share -0.64
-21.26
-0.80
-0.69
-0.98
1.39
-2.02
3.87
1.05
0.26
1.71
growth rate 0.0% 0.0% 0.0% 0.0% 100.0% -100.0% 100.0% -72.9% -75.2% 557.7%
Sale Purchase of Stock -1.02
-1.02
-1.02
0.00
growth rate 0.0% 0.0% 0.0%
FCF 1.00
-10.00
-3.00
-2.00
-4.00
-13.00
14.00
-0.56
1.00
4.00
4.00
growth rate -100.0% 0.0% 0.0% 0.0% 0.0% 100.0% -100.0% 100.0% 300.0% 0.0%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 27.10
21.60
24.50
31.74
28.49
24.08
19.23
22.35
21.49
25.39
28.32
growth rate -20.3% 13.4% 29.6% -10.3% -15.5% -20.1% 16.2% -3.9% 18.2% 11.5%
Op.Income -10.20
-21.70
-15.20
-15.46
-0.54
-7.29
1.84
4.10
3.74
5.71
7.33
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 123.3% -8.9% 52.6% 28.4%
IBT -10.18
-21.67
-15.17
-15.46
-0.54
-7.63
0.96
3.50
3.14
7.02
4.09
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 265.1% -10.4% 123.8% -41.8%
Net Income -7.10
-23.90
-15.40
-15.46
-0.50
-7.30
15.71
2.14
1.93
4.15
3.20
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -86.4% -9.9% 114.9% -22.9%
EPS -15.00
-50.20
-13.00
-4.00
-0.14
-1.90
4.05
0.55
0.49
1.06
0.82
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -86.4% -10.9% 116.3% -22.6%
Gross Profit 19.23
22.35
21.49
25.39
28.32
growth rate 16.2% -3.9% 18.2% 11.5%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 2.00
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 3.51
growth rate
Acct.Payable 655.30
712.31
719.53
743.28
752.82
growth rate 8.7% 1.0% 3.3% 1.3%
Cur.Assets 65.50
89.94
53.84
73.43
63.62
growth rate 37.3% -40.1% 36.4% -13.4%
Total Assets 870.42
930.24
915.29
951.70
953.11
growth rate 6.9% -1.6% 4.0% 0.2%
Cash 61.99
85.64
49.23
66.44
56.63
growth rate 38.2% -42.5% 35.0% -14.8%
Inventory 0.99
0.99
2.95
2.95
growth rate 0.0% 197.2% 0.0%
Cur.Liabilities 659.56
718.10
723.69
758.64
757.21
growth rate 8.9% 0.8% 4.8% -0.2%
Liabilities 802.81
861.87
846.37
882.36
883.46
growth rate 7.4% -1.8% 4.3% 0.1%
LT Debt 141.34
140.89
121.01
120.79
124.32
growth rate -0.3% -14.1% -0.2% 2.9%
Equity 67.61
68.36
68.92
69.34
69.65
growth rate 1.1% 0.8% 0.6% 0.5%
Common Shares 0.04
0.04
0.04
0.04
0.04
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 0.63
0.44
0.16
-0.09
0.01
growth rate -30.6% -62.9% -100.0% 100.0%
Cash Dividends 0.04
0.04
0.04
0.04
0.04
growth rate 2.6% 0.0% -2.6% 2.6%
Cash From OA 1.68
2.71
1.03
0.17
0.44
growth rate 62.0% -62.1% -83.7% 158.9%
Sale Purchase of Stock
growth rate
FCF 1.05
2.28
0.87
0.08
0.43
growth rate 117.9% -62.0% -90.7% 425.9%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 7.20
7.38
7.09
6.65
7.00
growth rate 2.5% -3.9% -6.2% 5.3%
Op.Income 2.18
2.31
1.97
0.86
0.89
growth rate 5.6% -14.4% -56.3% 2.7%
IBT 1.41
1.42
1.05
0.22
0.49
growth rate 0.5% -26.2% -79.3% 127.3%
Net Income 1.07
1.04
0.77
0.33
0.32
growth rate -2.7% -25.8% -57.6% -0.9%
EPS
growth rate
Gross Profit 7.20
7.38
7.09
6.65
7.00
growth rate 2.5% -3.9% -6.2% 5.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (45.19)

YOY Growth Grade:

F (8.37)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 20.13 18.71 11.53
EPS / Growth 4.8% 0.82 90.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 4.8% 4.8% 4.8%
Future PE 9.58 13.75 13.75
Future EPS 1.31 1.31 1.31
Value Price
MOS %
3.10
-79.8%
4.45
-71.0%
4.45
-71.0%
MOS Price 1.55 2.22 2.22
IRT 13.20 13.20 13.20

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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