ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Patriot National Bancorp, Inc. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- Bank has not been able to control its costs efficiently with a high Cost to Income ratio of 96.22%
2
With a growth in Interest of NAN%, the company declared Outstanding results in Jun 26
- The company has declared positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD -17.82 MM
- NII(Q) Highest at USD 8.96 MM
- NET SALES(Q) Highest at USD 16.41 MM
3
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of -31.86%, its profits have risen by 30.2%
4
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -3.53% over the previous quarter and collectively hold 18.05% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -31.86% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Patriot National Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Patriot National Bancorp, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Patriot National Bancorp, Inc.
-32.48%
-0.69
73.18%
S&P 500
16.06%
1.20
13.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.52%
EBIT Growth (5y)
-187.27%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
21.58%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
1.54
EV to EBIT
2.92
EV to EBITDA
3.08
EV to Capital Employed
0.55
EV to Sales
-1.29
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
18.72%
ROE (Latest)
-21.03%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend32What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD -17.82 MM
NII(Q)
Highest at USD 8.96 MM
NET SALES(Q)
Highest at USD 16.41 MM
OPERATING PROFIT(Q)
Highest at USD -1.38 MM
OPERATING PROFIT MARGIN(Q)
Highest at -8.43 %
PRE-TAX PROFIT(Q)
Highest at USD -1.38 MM
NET PROFIT(Q)
Highest at USD 0.14 MM
GROSS NPA (%)
(Q
EPS(Q)
Highest at USD 0
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Patriot National Bancorp, Inc.
NII
Highest at USD 8.96 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD -17.82 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 16.41 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD -1.38 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at -8.43 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD -1.38 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 0.14 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Profit
At USD 0.14 MM has Grown at 104.89%
over average net sales of the previous four periods of USD -2.92 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 2.67%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
At USD 16.41 MM has Grown at 31.27%
over average net sales of the previous four periods of USD 12.5 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
At USD -1.38 MM has Grown at 52.35%
over average net sales of the previous four periods of USD -2.9 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
EPS
Highest at USD 0
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Patriot National Bancorp, Inc.
Capital Adequacy Ratio
Lowest at 12.37%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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