Patriot National Bancorp, Inc. (PNBK)
Financial Services
- Fundamental
- 3
- Sentiment
- 2
- Technical
- 1
Do Nothing: qualitativeScore is 2 (below the required floor of 3), and PNBK also fails both the $5M 20-day liquidity floor and the $1.5M recent-liquidity gate.
Company overview
Patriot National Bancorp, Inc. is the parent company of Patriot Bank, N.A., offering a range of community banking services. It provides deposit products and lending solutions to individuals, small and medium-sized businesses, and professionals. The bank operates nine branches in Connecticut and New York.
Fundamental
fairPatriot National Bancorp shows improving fundamentals with regulatory progress but remains a high-uncertainty situation due to weak profitability and execution risks.
Patriot National Bancorp looks like a small regional-bank turnaround that is stabilizing: the most recent SEC quarterly filing reports termination of the OCC formal agreement and capital ratios above “well-capitalized” levels, alongside a swing toward near break-even earnings in the first half of 2026. However, trailing full-year profitability remains weak and results have been volatile, with execution/credit and litigation risk still in the picture. Net: improving fundamentals, but still a higher-uncertainty situation.
Sentiment
weakMedia sentiment has cooled to neutral, with no significant retail or catalyst activity to drive near-term momentum.
News flow is centered on the recent Q2/10-Q update (neutral/mixed reception; still being digested), while media sentiment has cooled from a bullish 30–90d backdrop (polarity_score ≈ +0.46 on OCC-termination/expansion headlines) to ~neutral in the last ~14d. No regulator-confirmed investigations surfaced and Reddit discussion is negligible, leaving a catalyst-light near-term tape.
Technical
very weakThe stock is in a strong downtrend with low liquidity, trading below key averages and lacking reversal signals.
The daily chart is bearish for a 1–15 trading day long: PNBK sits below SMA20/50/200, EMA9/21, and the latest daily VWAP, while MACD is below zero and below signal, RSI14 is only 38.46, and ADX14 at 45.87 confirms the dominant trend is strong but downward.
You’re looking at 2026-08-22 — more than 2 trading days ago.
Subscribers saw this then, and see today’s score, verdict and trade plan now.
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Not financial advice. For informational and educational purposes only.