Is PNBK or SFNC more undervalued in 2026?

CirclFi compares Patriot National Bancorp Inc. (PNBK) and Simmons First National Corporat (SFNC) using 13 institutional-grade valuation models. PNBK has a Quality of Company score of 5.2/10 while SFNC scores 6.9/10.

Which is a better buy — PNBK or SFNC?

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 SFNC valuations compare?

PNBK at $1.12 and SFNC at $21.45 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PNBK vs SFNC 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

SFNC

National Commercial Banks

Simmons First National Corporat

Quality

6.9

out of 10

Value Trap

SAFE

Price

$21.45

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	PNBK Fair Value	PNBK Upside	SFNC Fair Value	SFNC Upside
Bayesian DCF	Intrinsic	$0.53	-52.9%	$17.65	-17.7%
Earnings Power Value	Intrinsic	$2.72	+130.1%	$18.89	-11.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PNBK vs SFNC — Which Stock Is More Undervalued?

SFNC scores higher with a 6.9/10 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 Simmons First National Corporat (SFNC) 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 SFNC trades at $21.45 with a QOC of 6.9/10.

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).