What Is Patriot National Bancorp Inc. (PNBK) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Patriot National Bancorp Inc.'s intrinsic value is estimated at $1.46, suggesting a +28.3% average upside from the current price of $1.14. While 8 models see room for appreciation, model agreement is not unanimous as 2 models flag potential overvaluation. Model dispersion is worth noting: RCMH-DCF targets $2.43 (+112.9%), versus First Chicago at $0.34 (-69.7%). This +182.6% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About PNBK?
11 of 13 models are currently active for PNBK. Of these, 8 models suggest upside while 3 models suggest overvaluation. The Bayesian DCF estimates PNBK's intrinsic value at $2.34, implying +105.6% upside from the current price. See which stocks rank higher →
How Does PNBK Rank in National Commercial Banks?
Among 90 National Commercial Banks stocks, PNBK ranks #73 by Quality of Company score. CirclFi's QOC score of 6.0/10 evaluates 32 fundamental signals. A score of 6.0 reflects mixed fundamentals.
See all Most Undervalued National Commercial Banks 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 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for Patriot National Bancorp Inc.. Broad coverage provides high confidence. 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 6.0/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +182.6% — demonstrating why single-model analysis is dangerous. 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 11 active models, average confidence is 29%. 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 →
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