Stock fact sheet · data as of
Patriot National Bancorp, Inc. (PNBK): fair value, margin of safety and Wheel Score
Ticker symbol PNBK · Financial Services · Banks - Regional · United States · Speculative
Is PNBK undervalued?
At 0.8940 (close of 5 Nov 2026), PNBK trades 57% below the GLS average fair value of 2.10. That average comes from 1 models run on the latest filings, and 1 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Patriot National Bancorp, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The average is built from just 1 models (DCF) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
The nightly engine files PNBK under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for PNBK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 2.10 | +135% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -4.81 | -638% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Patriot National Bancorp, Inc. scores only 3 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 1.9/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC -11.4%, ROE -13.4%, ROA -1.2% - with debt at 0.17 times equity and negative free cash flow.
Patriot National Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 3/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | -11.4% |
|---|---|---|---|
| GLS Moat | 1.9 / 10 | ROE | -13.4% |
| Debt / equity | 0.17 | ROA | -1.2% |
| Free-cash-flow yield | -16.9% | Payout ratio | -25% |
| Institutions | 3 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 26: No options
No options are listed on Patriot National Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 26, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 37k shares a day on a market cap of $106M, with a beta of -0.61 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 3/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $106M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 0.89 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 57% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 1.9/10 | |
| Health | Weak | Piotroski 3/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.61, $106M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
Patriot National Bancorp, Inc. reports earnings on 13 Nov 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Patriot National Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BYLB Boyle Bancorp, Inc. | 123.00 | 303.29 | +59% | 34No options | $106M |
| PBHC Pathfinder Bancorp, Inc. | 16.76 | 18.70 | +10% | 23No options | $105M |
| CITZ Citizens Bancshares Corp. | 50.35 | 126.53 | +60% | 31No options | $105M |
| BYFC Broadway Financial Corp. | 11.62 | 10.12 | -15% | 17No options | $108M |
| SEBC Southeastern Banking Corporation | 32.75 | 42.52 | +23% | 29No options | $104M |
| STBK Studio Bank | 14.50 | 14.77 | +2% | 16No options | $104M |
| BNCC BNCCORP, Inc. | 30.75 | 55.08 | +44% | 33No options | $108M |
| CNBB CNB Community Bancorp, Inc. | 51.40 | 67.57 | +24% | 29No options | $104M |
| JBTC JBT Bancorp Inc. | 42.60 | 88.46 | +52% | 32No options | $104M |
| BCTF Bancorp 34, Inc. | 16.05 | 16.86 | +5% | 15No options | $109M |
| BKSC Bank of South Carolina Corporation | 20.51 | 37.80 | +46% | 37No options | $110M |
| PFBX Peoples Financial Corporation | 23.72 | 12.77 | -86% | 17No options | $110M |
⚖ Compare PNBK with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about PNBK
Is PNBK undervalued right now?
By the GLS models, yes: at 0.8940 the stock is 57% below the average fair value of 2.10 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of PNBK and what does it mean?
PNBK has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for PNBK?
2.10 per share as of 5 Nov 2026 - the simple average of the 1 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Patriot National Bancorp, Inc. report earnings next?
The next earnings report is due on 13 Nov 2026, 8 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does PNBK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PNBK, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.