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
The company has declared Negative results for the last 9 consecutive quarters
- OPERATING CASH FLOW(Y) Lowest at USD -594.26 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 70.85%
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 8.27%, its profits have risen by 30.2%
4
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -16% over the previous quarter and collectively hold 11.83% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Patriot National Bancorp, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Patriot National Bancorp, Inc.
3.01%
-0.17
142.68%
S&P 500
13.68%
0.71
19.28%
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
11.83%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
1.55
EV to EBIT
2.87
EV to EBITDA
3.02
EV to Capital Employed
0.54
EV to Sales
-1.26
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
Bullish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at USD 5.01 MM
CASH AND EQV(HY)
Highest at USD 40.6 MM
PRE-TAX PROFIT(Q)
At USD -2.66 MM has Grown at 45.91%
NET PROFIT(Q)
Highest at USD -2.65 MM
EPS(Q)
Highest at USD -0.03
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -594.26 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 70.85%
Here's what is working for Patriot National Bancorp, Inc.
NII
Highest at USD 5.01 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Pre-Tax Profit
At USD -2.66 MM has Grown at 45.91%
over average net sales of the previous four periods of USD -4.92 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD -2.65 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD -2.65 MM has Grown at 76.03%
over average net sales of the previous four periods of USD -11.07 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD -0.03
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 40.6 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Patriot National Bancorp, Inc.
Operating Cash Flow
Lowest at USD -594.26 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 70.85% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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