XNASPNBK
Market cap7mUSD
Dec 27, Last price
1.94USD
1D
-3.00%
1Q
0.52%
Jan 2017
-86.19%
Name
Patriot National Bancorp Inc
Chart & Performance
Profile
Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, savings, prepaid deposit, on-line national money market, 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, small business administration, construction, purchased residential real estate, and various 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. It operated through a network of eight branch offices located in Fairfield and New Haven Counties, Connecticut; and one branch offices located in Westchester County, New York. The company was founded in 1994 and is headquartered in Stamford, Connecticut.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | 2014‑12 | |
Income | ||||||||||
Revenues | 27,076 -26.08% | 36,630 23.96% | 29,550 13.84% | |||||||
Cost of revenue | 18,144 | 16,009 | 13,055 | |||||||
Unusual Expense (Income) | ||||||||||
NOPBT | 8,932 | 20,621 | 16,495 | |||||||
NOPBT Margin | 32.99% | 56.30% | 55.82% | |||||||
Operating Taxes | (1,454) | 1,596 | (81) | |||||||
Tax Rate | 7.74% | |||||||||
NOPAT | 10,386 | 19,025 | 16,576 | |||||||
Net income | (4,179) -167.83% | 6,161 20.95% | 5,094 -233.39% | |||||||
Dividends | (1,445) | (798) | ||||||||
Dividend yield | 3.45% | 1.30% | ||||||||
Proceeds from repurchase of equity | ||||||||||
BB yield | ||||||||||
Debt | ||||||||||
Debt current | 55,793 | 12,747 | ||||||||
Long-term debt | 32,303 | 116,833 | 122,819 | |||||||
Deferred revenue | 982,815 | 120,005 | ||||||||
Other long-term liabilities | 1,013,503 | (115,193) | (120,721) | |||||||
Net debt | (113,851) | (6,046) | (104,611) | |||||||
Cash flow | ||||||||||
Cash from operating activities | (10,715) | 7,036 | 7,596 | |||||||
CAPEX | (412) | (414) | (430) | |||||||
Cash from investing activities | (27,176) | (122,051) | (55,205) | |||||||
Cash from financing activities | 65,934 | 106,463 | 60,018 | |||||||
FCF | 584,504 | (635,016) | 29,617 | |||||||
Balance | ||||||||||
Cash | 52,517 | 89,702 | 141,386 | |||||||
Long term investments | 93,637 | 88,970 | 98,791 | |||||||
Excess cash | 144,800 | 176,840 | 238,700 | |||||||
Stockholders' equity | 44,383 | 59,583 | 67,344 | |||||||
Invested Capital | 1,049,042 | 712,594 | 653,365 | |||||||
ROIC | 1.18% | 2.79% | 2.53% | |||||||
ROCE | 0.82% | 2.67% | 2.29% | |||||||
EV | ||||||||||
Common stock shares outstanding | 3,965 | 3,949 | 3,953 | |||||||
Price | 3.83 -63.87% | 10.60 -31.83% | 15.55 56.44% | |||||||
Market cap | 15,188 -63.71% | 41,858 -31.90% | 61,464 57.15% | |||||||
EV | (98,663) | 35,812 | (43,147) | |||||||
EBITDA | 10,285 | 22,091 | 18,130 | |||||||
EV/EBITDA | 1.62 | |||||||||
Interest | 30,457 | 10,753 | 7,090 | |||||||
Interest/NOPBT | 340.99% | 52.15% | 42.98% |