Patriot National Bancorp, Inc. (PNBK) Fair Value 2026

PNBK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.4 /10

32 fundamental signals · 1 models active

Value Trap Risk

LOW (26/100)

Quick Summary — As of 2026-08-27, Patriot National Bancorp, Inc. (PNBK) trades at $1.02. QOC: 5.4/10. Value Trap Risk: 26/100 (LOW). 1/13 models active.

Key Facts

Ticker
PNBK
Price
$1.02
Quality Score
5.4/10
Value Trap Risk
26/100
Models Active
1/13
Last Updated
Strength: Regime Cross-Sectional suggests +61.2% upside with 16% confidence
Risk: Limited model coverage (1/13) may reduce confidence

What Fair Value Does Each Model Give PNBK?

1 Intrinsic Value Models vs. Current Price ($1.02)

Core Models (Unlocked)
Model Fair Value Upside
Relative · Low Conviction
 $1.65 +61.2%

All Models Active

All 1 models are displayed above.

What Is Patriot National Bancorp, Inc. (PNBK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Patriot National Bancorp, Inc. is potentially undervalued at its current price of $1.03. Based on our 13-model framework, Patriot National Bancorp, Inc.'s intrinsic value is estimated at a median fair value of $1.65 — representing +61.2% implied upside — with 1 out of 1 active models confirming this thesis.

What Do the Models Say About PNBK?

1 of 13 models are currently active for PNBK. All 1 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does PNBK Rank in Banks - Regional?

Among 349 Banks - Regional stocks, PNBK ranks #335 by Quality of Company score. CirclFi's QOC score of 5.4/10 evaluates 32 fundamental signals. A score of 5.4 reflects mixed fundamentals.

See all Most Undervalued Banks - Regional Stocks →

As a lending environment, Patriot National Bancorp, Inc. operates in a sector where return on tangible equity is a critical driver of valuation. Investors evaluating PNBK should weigh these sector-specific dynamics alongside our model-derived fair values.

Is PNBK a Value Trap?

CirclFi's Value Trap algorithm assigns PNBK a score of 26/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for Patriot National Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Patriot National Bancorp, Inc.'s fundamental quality profile registers 5.4/10. This mixed score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every PNBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across PNBK's 1 active models, average confidence is 16%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Patriot National Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FCBMFirst Carolina Financial Services, Inc.QOC 5.5MGNOMagnolia Bancorp, Inc.QOC 5.4CARVCarver Bancorp, Inc.QOC 5.7BSPABallston Spa Bancorp, Inc.QOC 5.3MFBIMonroe Federal Bancorp, Inc.QOC 5.7BYFCBroadway Financial CorporationQOC 5.2MCBSMetroCity Bankshares, Inc.QOC 8.4COSOCoastalSouth Bancshares, Inc.QOC 8.1BSBKBogota Financial Corp.QOC 7.6ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: FCBM · MGNO · CARV · BSPA · MFBI · BYFC · MCBS · COSO · BSBK · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to PNBK?

7 companies across all industries closest to PNBK’s Quality of Company score of 5.4/10.

PRSIPortsmouth Square, Inc.QOC 5.4HYFTMindWalk Holdings Corp.QOC 5.4SCNDScientific Industries, Inc.QOC 5.4RVMDRevolution Medicines, Inc.QOC 5.4NWTGNewton Golf Company, Inc.QOC 5.4PPTAPerpetua Resources Corp.QOC 5.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: PRSI · HYFT · SCND · RVMD · NWTG · PPTA · NVDA

Where Does PNBK Sit in CirclFi's Banks - Regional Rankings?

PNBK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Patriot National Bancorp, Inc.’s Valuation?

What is Patriot National Bancorp, Inc.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for Patriot National Bancorp, Inc. (PNBK). The Quality of Company score is 5.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is PNBK overvalued or undervalued right now?

At $1.02, 1 of 1 active models suggest PNBK may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits Patriot National Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 5.4 mean for PNBK?

Patriot National Bancorp, Inc.'s QOC of 5.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on PNBK?

CirclFi analyzes PNBK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is PNBK a value trap in 2026?

Patriot National Bancorp, Inc.'s Value Trap score is 26/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns Patriot National Bancorp, Inc. (PNBK) a Quality of Company score of 5.4/10 across 32 fundamental signals as of 2026-08-27.” Source: circlfi.com/stock/PNBK/ · Methodology
Primary sources for this PNBK valuation
  • Financial statements: Patriot National Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001098146) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for PNBK as of ; valuations recomputed .