What is the 13F Pro Quality Score for PNBK?

13F Pro ranks PATRIOT NATIONAL BANCORP INC (PNBK) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PNBK's current score at https://13fpro.ai/research/PNBK (free sign-up required for the full ranking).

Where does 13F Pro source PNBK data?

All PATRIOT NATIONAL BANCORP INC fundamentals and ownership data come directly from SEC EDGAR. PATRIOT NATIONAL BANCORP INC files with the SEC under CIK 1098146. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PNBK in?

PATRIOT NATIONAL BANCORP INC (PNBK) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is PNBK research updated on 13F Pro?

PNBK's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PATRIOT NATIONAL BANCORP INC(PNBK)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

PNBK Stock Analysis & AI Quality Score

AI stock analysis and institutional research for PATRIOT NATIONAL BANCORP INC (PNBK), a Financials sector company. PNBK is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), PATRIOT NATIONAL BANCORP INC reports quarterly revenue of $10.3M, net income of $-1.8M, an operating margin of -16.9%. Top institutional holders of PNBK by reported 13-F value include VANGUARD CAPITAL MANAGEMENT, BlackRock,, Angel Oak Capital Advisors,, based on the most recent SEC filings. PNBK trades on the Nasdaq exchange and files with the SEC under CIK 1098146. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PNBK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PATRIOT NATIONAL BANCORP INC directly from SEC EDGAR.

Revenue

Q1 2026

$10.3M

Net Income

Q1 2026

$-1.8M

Free Cash Flow

Q1 2026

$-3.5M

Operating Margin

Q1 2026

-16.9%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-42.9% YoY

$323.0KFY 2025

FY19 $589.0KFY20 $523.0KFY22 $566.0KFY25 $323.0K

Net Income

-306.3% YoY

$-12.7MFY 2025

FY19 $-2.8MFY20 $-3.8MFY22 $6.2MFY25 $-12.7M

EPS (Diluted)

-111.0% YoY

$-0.17FY 2025

FY19 $-0.72FY20 $-0.97FY22 $1.55FY25 $-0.17

Total Assets

+4.3% YoY

$1.09BFY 2025

FY19 $979.8MFY20 $880.7MFY22 $1.04BFY25 $1.09B

Total Debt

-85.7% YoY

$16.4MFY 2025

FY19 $130.9MFY20 $120.8MFY22 $115.2MFY25 $16.4M

Op. Cash Flow

-301.4% YoY

$-14.2MFY 2025

FY19 $-11.9MFY20 $6.3MFY22 $7.0MFY25 $-14.2M

Metric	FY 2025	FY 2022	FY 2020	FY 2019	FY 2017	FY 2016
Revenue	$323.0K -42.9%	$566.0K +8.2%	$523.0K -11.2%	$589.0K +47.6%	$399.0K	—
Net Income	$-12.7M -306.3%	$6.2M +261.3%	$-3.8M -35.6%	$-2.8M -167.9%	$4.1M +114.9%	$1.9M
EPS (Diluted)	$-0.17 -111.0%	$1.55 +259.8%	$-0.97 -34.7%	$-0.72 -167.9%	$1.06 +116.3%	$0.49
Total Assets	$1.09B +4.3%	$1.04B +18.5%	$880.7M -10.1%	$979.8M +15.0%	$852.1M +12.6%	$756.7M
Total Debt	$16.4M -85.7%	$115.2M -4.6%	$120.8M -7.7%	$130.9M -7.4%	$141.4M -11.3%	$159.5M
Operating Cash Flow	$-14.2M -301.4%	$7.0M +12.0%	$6.3M +152.7%	$-11.9M -263.4%	$7.3M +61.1%	$4.5M

AI Insight: PNBK Financial Trends

PNBK remains unprofitable with persistent quarterly losses, though net income losses have narrowed and equity stabilized near $90M.

• Net losses narrowed from -$27M in Q3 2024 to -$2M in Q1 2026, indicating operational stabilization despite continued unprofitability.

• Equity recovered from $4M low in Q4 2024 to $90M–$95M range in Q4 2025–Q1 2026, suggesting capital reinforcement.

• Operating cash flow remains negative in most periods (Q3 2025: -$5M, Q1 2026: -$3M), indicating core cash generation weakness.

⚠ Persistent quarterly losses across 8 consecutive quarters signal unresolved underlying profitability challenges despite narrowing trend.

⚠ Total debt stood at $16M in Q4 2025, down from $33M in Q4 2024; monitor debt trajectory and refinancing needs.

AI Insight: PNBK Ratio Trends

PNBK's profitability metrics show sustained recovery from deep losses, with Q1 2026 ROA at -0.6% and ROIC at -7.7%—still negative but trending toward breakeven.

• ROA improved from -11.1% in Q3 2024 to -0.6% in Q1 2026, a 10.5pp recovery over five quarters.

• ROIC rebounded from -56.3% in Q3 2024 to -7.7% in Q1 2026, largest consecutive quarterly gains since Q4 2024.

• Leverage dropped sharply: D/E fell from 7.75 in Q4 2024 to 0.17 in Q4 2025, signaling balance-sheet repair.

⚠ Company remains unprofitable; ROE still -7.8% in Q1 2026 and ROA -0.6%. Path to positive returns unclear.

⚠ Metrics show volatility across quarters (ROE swings -30% to -7%); trend sustainability not yet confirmed.

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Available Research

13F Pro tracks comprehensive data for PATRIOT NATIONAL BANCORP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PNBK

VANGUARD CAPITAL MANAGEMENT LLC
$5.7M4,401,532 sh
BlackRock, Inc.
$4.9M3,769,973 sh
Angel Oak Capital Advisors, LLC
$4.1M3,166,259 sh
Corient Private Wealth LLC
$2.5M1,918,869 sh
GEODE CAPITAL MANAGEMENT, LLC
$2.4M1,857,107 sh
NORTHERN TRUST CORP
$1.1M831,921 sh
Curated Wealth Partners LLC
$1.1M827,340 sh
STATE STREET CORP
$913.1K707,841 sh
VANGUARD FIDUCIARY TRUST CO
$814.8K631,617 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$596.5K462,426 sh

Fund	Value	Shares
VANGUARD CAPITAL MANAGEMENT LLC	$5.7M	4,401,532
BlackRock, Inc.	$4.9M	3,769,973
Angel Oak Capital Advisors, LLC	$4.1M	3,166,259
Corient Private Wealth LLC	$2.5M	1,918,869
GEODE CAPITAL MANAGEMENT, LLC	$2.4M	1,857,107
NORTHERN TRUST CORP	$1.1M	831,921
Curated Wealth Partners LLC	$1.1M	827,340
STATE STREET CORP	$913.1K	707,841
VANGUARD FIDUCIARY TRUST CO	$814.8K	631,617
VANGUARD PORTFOLIO MANAGEMENT LLC	$596.5K	462,426

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Is PNBK a good stock to buy?

13F Pro's AI-powered analysis of PATRIOT NATIONAL BANCORP INC (PNBK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PNBK are available on the PNBK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own PNBK?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PNBK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PATRIOT NATIONAL BANCORP INC's investment landscape.