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
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
With a growth in Interest of NAN%, the company declared Outstanding results in Mar 26
- The company has declared positive results for the last 3 consecutive quarters
- NII(Q) Highest at USD 7.08 MM
- OPERATING CASH FLOW(Y) Highest at USD -11.27 MM
- GROSS NPA (%)(Q) Lowest at 2.99%
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 0.94%, its profits have risen by 30.2%
4
High Institutional Holdings at 21.58%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 6.29% over the previous quarter.
5
Underperformed the market in the last 1 year
- The stock has generated a return of 0.94% in the last 1 year, much lower than market (S&P 500) returns of 22.24%
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.
0.94%
-0.63
69.36%
S&P 500
22.24%
1.67
13.28%
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 Trend23What is working for the Company
NII(Q)
Highest at USD 7.08 MM
OPERATING CASH FLOW(Y)
Highest at USD -11.27 MM
GROSS NPA (%)
(Q
NET SALES(Q)
Highest at USD 14.72 MM
OPERATING PROFIT(Q)
Highest at USD -1.73 MM
OPERATING PROFIT MARGIN(Q)
Highest at -11.76 %
PRE-TAX PROFIT(Q)
Highest at USD -1.74 MM
NET PROFIT(Q)
Highest at USD -1.75 MM
EPS(Q)
Highest at USD -0.02
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 7.08 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 2.99%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at USD -11.27 MM
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 14.72 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 14.72 MM has Grown at 23.1%
over average net sales of the previous four periods of USD 11.96 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD -1.73 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at -11.76 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD -1.74 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD -1.74 MM has Grown at 44.92%
over average net sales of the previous four periods of USD -3.16 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD -1.75 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD -1.75 MM has Grown at 44.77%
over average net sales of the previous four periods of USD -3.18 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD -0.02
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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