Is PNBK or PNC more undervalued in 2026?

CirclFi compares Patriot National Bancorp Inc. (PNBK) and PNC Financial Services Group, I (PNC) using 13 institutional-grade valuation models. PNBK has a Quality of Company score of 5.2/10 while PNC scores 5.5/10.

Which is a better buy — PNBK or PNC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do PNBK and PNC valuations compare?

PNBK at $1.12 and PNC at $221.12 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PNBK vs PNC Valuation Comparison 2026 — Intrinsic Value Analysis

PNBK

National Commercial Banks

Patriot National Bancorp Inc.

Quality

5.2

out of 10

Value Trap

SAFE

Price

$1.12

Last close

Models

9/13

Active

PNC

National Commercial Banks

PNC Financial Services Group, I

Quality

5.5

out of 10

Value Trap

SAFE

Price

$221.12

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	PNBK Fair Value	PNBK Upside	PNC Fair Value	PNC Upside
Bayesian DCF	Intrinsic	$0.53	-52.9%	$132.21	-40.2%
Earnings Power Value	Intrinsic	$2.72	+130.1%	$215.92	-2.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PNBK vs PNC — Which Stock Is More Undervalued?

PNC scores higher with a 5.5/10 quality rating vs PNBK's 5.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Patriot National Bancorp Inc. (PNBK) and PNC Financial Services Group, I (PNC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

PNBK currently trades at $1.12 with a QOC of 5.2/10, while PNC trades at $221.12 with a QOC of 5.5/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).