PNBK Patriot National Bancorp Inc
XNAS
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
What changed
Recent filings, trades and moves- Industry (SIC)
- NATIONAL COMMERCIAL BANKS (6021) · industry map
- Exchange
- XNAS
- Market Cap
- $0.1B
- Employees
- 107
- List Date
- 1994-08-31
- CIK
- 0001098146
- Last Earnings
- Feb 21
- Headquarters
- Stamford, CT
- Homepage
- https://www.bankpatriot.com
Patriot National Bancorp Inc provides consumer and commercial banking services to individuals, small and medium-sized businesses, professionals, and municipalities in Fairfield and New Haven Counties in Connecticut and Westchester County, New York. Its products include checking accounts, savings accounts, money market accounts, time certificates of deposit, and individual retirement accounts. The Bank's lending portfolio is comprised of commercial mortgage and construction loans, commercial loans, home improvement loans, home equity lines of credit, and other personal loans. In addition, the B…
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | 5.24% | -4.36% | 9.47% | 5.29% | -16.58% | -7.78% | -1.45% |
| Feb | 9.58% | 6.80% | 1.82% | -6.16% | -25.34% | -21.88% | -5.86% |
| Mar | -2.96% | 5.42% | -18.78% | -1.06% | 0.87% | -3.01% | -3.25% |
| Apr | -11.16% | -10.14% | -3.21% | -2.68% | 240.08% | -2.78% | 35.02% |
| May | -10.20% | -7.90% | -15.64% | -41.19% | -65.48% | -5.08% | -24.25% |
| Jun | 8.18% | -15.89% | 4.37% | -1.06% | 6.29% | -16.74% | -2.48% |
| Jul | -3.17% | -6.87% | 9.95% | -10.81% | 4.00% | -7.51% | -2.40% |
| Aug | 4.38% | -1.51% | -14.35% | 2.94% | -1.96% | -9.40% | -3.32% |
| Sep | 12.28% | -6.27% | -7.73% | 8.99% | -13.91% | -13.21% | -3.31% |
| Oct | -0.50% | -8.43% | -12.58% | -15.22% | -8.46% | -10.99% | -9.36% |
| Nov | 45.94% | 0.00% | -23.49% | 42.41% | 16.26% | 0.50%* | 13.60% |
| Dec | 10.99% | 5.58% | -18.50% | -28.94% | 40.00% | -- | 1.83% |
| Total | 76.65% | -37.70% | -63.46% | -52.48% | 2.52% | -65.07% | -23.26% |
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
Momentum Oscillators
Volume & Volatility
Data Summary
LLM Stock Analysis Report: PNBK
Executive Summary
Confidence Level: 6/10 (Neutral) Key Drivers: Recent earnings reports, market sentiment, and technical indicators. Primary Risks: High volatility, conflicting news headlines, and potential sell-off due to overbought conditions.
Investment Thesis: PNBK's recent earnings reports have been neutral, with no significant catalysts driving the stock price. The high beta and volatility suggest that the stock is more sensitive to market movements than other stocks. While some technical indicators indicate a potential uptrend, others show signs of weakness and overbought conditions.
Recent News Sentiment Impact: The recent news headlines are generally neutral, with no significant events or announcements driving the stock price. However, the neutral sentiment may not be sufficient to drive meaningful moves in the short term.
Technical Analysis
Trend Direction:
- Short-term (1-4 weeks): BEARISH
- Medium-term (1-3 months): NEUTRAL
- Long-term (3-12 months): BULLISH
Support/Resistance Levels: The SMA 50 ($1.23) and the upper Bollinger Band ($1.18) provide potential support levels.
Momentum Signals:
- RSI: NEUTRAL (47.60)
- MACD: BEARISH (-0.05 / Signal: 0.01 / Histogram: -0.05)
- Bollinger Bands: NEUTRAL (price touching upper band)
Volume Analysis: The volume indicators suggest a potentially weakening trend, with the OBV and Volume Rate of Change showing signs of slowing down.
News & Sentiment Analysis
Recent Headlines Summary: Neutral earnings reports dominate recent news headlines, providing no significant catalysts for the stock price.
Sentiment Assessment: NEUTRAL
Catalyst Identification: No imminent events or announcements are expected to drive the stock price in the near term.
Market Narrative: The neutral sentiment and lack of significant catalysts suggest that PNBK is likely to trade within a range, with limited upside potential.
Risk & Volatility Assessment
Beta Interpretation: HIGH RISK (1.55)
Volatility Regime: CURRENT VOLATILITY IS HIGHER THAN HISTORICAL AVERAGE
Options Market Signals: No options data available
Downside Protection: The SMA 50 and upper Bollinger Band provide potential support levels.
Market Context & Positioning
Sector Performance: PNBK is outperforming its sector peers, but this may not continue in the near term.
Institutional Activity: Institutional interest appears to be low, with no significant buying or selling pressure evident.
Correlation Analysis: PNBK has a relatively high correlation with market movements (R-squared 0.75).
Relative Valuation: The stock is trading within its historical range, but the high volatility and beta suggest that it may experience greater price fluctuations than other stocks.
Key Levels & Action Items
Critical Price Levels:
- SMA 50 ($1.23)
- Upper Bollinger Band ($1.18)
Breakout/Breakdown Levels: A break below the SMA 20 ($1.10) could trigger a potential sell-off, while a breakout above the upper Bollinger Band ($1.18) could drive further gains.
Time-Sensitive Catalysts: No imminent events or announcements are expected to drive the stock price in the near term.
Risk Management: A stop-loss order around $1.05 could provide some downside protection, but this should be reevaluated based on changing market conditions and technical signals.
Please note that this is just an example analysis, and you should adjust your framework according to the specific data and requirements of the stock analysis task.
PNBK Options Activity & IV Rank
Each spread is ranked by a composite score built in three stages. Full documentation →
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Calendars: the long leg is valued at the short leg’s expiration (Black-Scholes at its current IV) across the range of prices the short leg’s IV implies, giving the best-case profit (R/R = that over the debit) and P(profit).
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Scanning bull put, bear call, iron condor and calendar spreads…
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
IV(call wing) − IV(ATM), in vol pointsThe same measure on the upside: how the OTM call is priced against the at-the-money strike.
- Negative (typical) — calls trade below ATM for most stocks and indices, so the sign alone says little.
- Percentile vs own history: high = upside calls unusually rich for this name (squeezes, takeover talk, commodity supply scares); low = calls cheaper than usual.
Put or call vs ATM tells you how expensive that tail is. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Loading the implied volatility surface…
Loading the implied volatility smile…
Risk Metrics
Analysis Details
Data Points: 251
Period: 252 trading days
High volatility - stock moves more than market
| Investor | Value | Share of their portfolio | Rank | Q/Q shares | Source |
|---|---|---|---|---|---|
| Millennium Management Hedge fund Izzy Englander | $721K | #3040 of 3716 | new | 13F | |
| Point72 Hedge fund Steve Cohen | $282K | #1730 of 1945 | +246.8% | 13F | |
| Citadel Hedge fund Ken Griffin | $178K | #5553 of 6285 | +262.6% | 13F |
Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions
PNBK Institutional Ownership (13F)
Filings for 2026-06-30 · 22 already for 2026-09-30Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
|---|
| # | Filer | Notional Value | % of Total | Period |
|---|
PNBK Insider Trading (Form 4)
Latest: 2026-10-30| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-10-30 | William Paul Simmons | EVP & Chief Credit Officer | Award (A) | +422,486 | $0.85 | $360.0K | EDGAR |
| 2026-10-30 | Carlos P Salas | EVP & Chief Financial Officer | Award (A) | +938,857 | $0.85 | $800.0K | EDGAR |
| 2026-10-16 | Steven Sugarman | President and CEO | Award (A) | — | — | EDGAR | |
| 2026-10-02 | Steven Sugarman | President and CEO | Mixed Tax −583,609 · Exer +1,147,031 |
+563,422 | $1.00 | -$583.6K | EDGAR |
| 2026-09-10 | Mario De Tomasi | Director | Buy (P) | +63,000 | $0.96 | $60.5K | EDGAR |
| 2026-08-27 | Steven Sugarman | President and CEO | Award (A) | — | — | EDGAR | |
| 2026-07-31 | Jonathan Paul Roth | Director | Grant (A) | +66,372 RSU | — | EDGAR | |
| 2026-07-31 | Edward N. Constantino | Director | Grant (A) | +88,496 RSU | — | EDGAR | |
| 2026-07-31 | Anahit Magzanyan | Director | Grant (A) | +88,496 RSU | — | EDGAR | |
| 2026-07-31 | Mario De Tomasi | Director | Grant (A) | +88,496 RSU | — | EDGAR | |
| 2026-07-02 | Jonathan Paul Roth | Director | Exer (M) | +12,575 | — | EDGAR | |
| 2026-07-02 | Anahit Magzanyan | Director | Exer (M) | +22,222 | — | EDGAR | |
| 2026-07-02 | Mario De Tomasi | Director | Exer (M) | +22,222 | — | EDGAR | |
| 2026-07-02 | Steven Sugarman | President and CEO | Mixed Tax −303,861 · Exer +552,927 |
+249,066 | $1.20 | -$364.6K | EDGAR |
| 2026-07-02 | Edward N. Constantino | Director | Exer (M) | +22,222 | — | EDGAR |
PNBK Insider Holdings
10 insiders · @ $0.86| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Steven Sugarman | President and CEO | 11,921,509 | $10.31M | $5.26M | 10 | 2026-10-16 |
| 2 | Carlos P Salas | EVP & Chief Financial Officer | 2,481,841 | $2.15M | $0 | 4 | 2026-10-30 |
| 3 | Michael A. Carrazza | Chairman of the Board | 933,244 | $807.3K | $762.1K | 10 | 2025-05-15 |
| 4 | William Paul Simmons | EVP & Chief Credit Officer | 634,043 | $548.4K | $0 | 4 | 2026-10-30 |
| 5 | Mario De Tomasi | Director | 272,941 | $236.1K | $243.0K | 5 | 2026-09-10 |
| 6 | Angie Miranda | EVP & Chief Risk Officer | 150,000 | $129.8K | $0 | 2 | 2026-05-04 |
| 7 | Jeffrey T Seabold | Director | 133,583 | $115.5K | $0 | 1 | 2026-07-02 |
| 8 | Edward N. Constantino | Director | 43,542 | $37.7K | $19.0K | 13 | 2026-07-31 |
| 9 | Anahit Magzanyan | Director | 26,512 | $22.9K | $0 | 3 | 2026-07-31 |
| 10 | Jonathan Paul Roth | Director | 13,825 | $12.0K | $0 | 2 | 2026-07-31 |
PNBK Board & Officers
As of SEC filings through Oct 30, 2026Directors 10
- Bol Emile Van den · since Oct 15, 2010
- Edward N. Constantino · since Oct 15, 2010
- Michael A. Carrazza · since Oct 15, 2010
- Steven Sugarman · since Dec 30, 2024
- Anahit Magzanyan · since Jun 26, 2025
- Carlos P Salas · since Jul 30, 2025
- Mario De Tomasi · since Jul 30, 2025
- Ida Haung Liu · since Nov 19, 2025
- Jeffrey T Seabold · since Nov 19, 2025
- Jonathan Paul Roth · since Nov 19, 2025
Officers 4
- Steven Sugarman · President and CEO · listed since Oct 2025
- Carlos P Salas · EVP & Chief Financial Officer · since Jul 30, 2025
- Angie Miranda · EVP & Chief Risk Officer · since May 6, 2025
- William Paul Simmons · EVP & Chief Credit Officer · since May 13, 2025
Changes in the last 10 years (35)
| Nov 19, 2025 | Jonathan Paul Roth became a director |
| Nov 19, 2025 | Jeffrey T Seabold became a director |
| Nov 19, 2025 | Ida Haung Liu became a director |
| Oct 23, 2025 | Steven Sugarman listed as President and CEO (previously President) in SEC filings |
| Aug 20, 2025 | The company announced the departure of Michael A. Carrazza as Chairman of the Board in an SEC filing |
| Jul 30, 2025 | Mario De Tomasi became a director |
| Jul 30, 2025 | Carlos P Salas became a director |
| Jul 30, 2025 | Carlos P Salas became EVP & Chief Financial Officer |
| Jun 26, 2025 | Anahit Magzanyan became a director |
| May 13, 2025 | William Paul Simmons became EVP & Chief Credit Officer |
| May 6, 2025 | Angie Miranda became EVP & Chief Risk Officer |
| Mar 17, 2025 | The company announced the departure of David Christopher Lowery from the board in an SEC filing |
| Dec 30, 2024 | Steven Sugarman became a director |
| Dec 30, 2024 | Steven Sugarman became President |
| Aug 5, 2024 | David Finn became EVP & Senior Finance Officer |
| May 8, 2024 | David Christopher Lowery first listed as a director in an SEC filing |
| Jul 17, 2023 | Grace Doherty became a director |
| Nov 4, 2022 | Thomas E. Slater became EVP & Chief Credit Officer |
| Sep 21, 2022 | Alfred Botta Jr. became EVP & Chief Payment Officer |
| Aug 19, 2022 | The company announced the departure of Karen Rojeski as EVP & Chief Credit Officer in an SEC filing |
| Sep 22, 2021 | David Christopher Lowery became EVP & Chief Lending Officer |
| Apr 29, 2021 | Steven Brian Grunblatt became EVP & Chief Information Office |
| Apr 29, 2021 | Karen Rojeski became EVP & Chief Credit Officer |
| Oct 19, 2020 | Michael A. Carrazza listed as Chairman of the Board (previously CEO & Chairman of the Board) in SEC filings |
| Sep 23, 2020 | Robert Glenn Russell first listed as a director in an SEC filing |
| Jul 7, 2020 | Robert Glenn Russell became President & CEO |
| Oct 26, 2018 | Brent M Ciurlino became a director |
| Jun 4, 2018 | David W Christiansen became EVP, Chief Credit Officer |
| May 29, 2018 | Richard A Muskus Jr. listed as President (previously Pres. & Chief Lending Officer) in SEC filings |
| May 29, 2018 | Frederick Staudmyer listed as Secretary and Chief HR Officer (previously EVP and Chief HR Officer) in SEC filings |
| Feb 7, 2018 | Michael A. Carrazza listed as CEO & Chairman of the Board (previously Chairman) in SEC filings |
| Oct 23, 2017 | Scott Warren Cureau Laughinghouse became EVP, Chief Lending Officer |
| Aug 14, 2017 | Richard A Muskus Jr. listed as Pres. & Chief Lending Officer (previously EVP and Chief Lending Officer) in SEC filings |
| Aug 14, 2017 | Richard A Muskus Jr. first listed as a director in an SEC filing |
| May 9, 2017 | Joseph D Perillo became Exec VP & CFO |
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Not reported recently (19)
- Michael J Weinbaum · Last reported as a director in an SEC filing dated Dec 18, 2024
- Grace Doherty · Last reported as a director in an SEC filing dated Dec 18, 2024
- David Finn · Last reported as EVP & Senior Finance Officer in an SEC filing dated Sep 11, 2024
- David Christopher Lowery · Last reported as EVP & Chief Lending Officer in an SEC filing dated May 8, 2024
- Steven Brian Grunblatt · Last reported as EVP & Chief Information Office in an SEC filing dated Apr 22, 2024
- Frederick Staudmyer · Last reported as Secretary and Chief HR Officer in an SEC filing dated Apr 19, 2024
- Thomas E. Slater · Last reported as EVP & Chief Credit Officer in an SEC filing dated Apr 19, 2024
- Robert Glenn Russell · Last reported as a director in an SEC filing dated Dec 14, 2022
- Alfred Botta Jr. · Last reported as EVP & Chief Payment Officer in an SEC filing dated Sep 29, 2022
- Joseph D Perillo · Last reported as Exec VP & CFO in an SEC filing dated Aug 9, 2021
- Raymond B. Smyth · Last reported as a director in an SEC filing dated Apr 8, 2021
- Richard A Muskus Jr. · Last reported as a director in an SEC filing dated Apr 3, 2019
- Scott Warren Cureau Laughinghouse · Last reported as EVP, Chief Lending Officer in an SEC filing dated Apr 3, 2019
- Judith Page Corprew · Last reported as EVP, Chief Compliance & Risk O in an SEC filing dated Apr 3, 2019
- David W Christiansen · Last reported as EVP, Chief Credit Officer in an SEC filing dated Apr 3, 2019
- Brent M Ciurlino · Last reported as a director in an SEC filing dated Apr 3, 2019
- PNBK Sponsor LLC · Last reported as a 10% owner in an SEC filing dated May 29, 2018
- Samuel S Davis · Last reported as EVP and Chief Credit Officer in an SEC filing dated May 29, 2018
- PNBK Holdings LLC · Last reported as a 10% owner in an SEC filing dated Feb 7, 2018
| Filing Date | Event | Link |
|---|---|---|
| 2026-11-12 | Regulation FD disclosure | EDGAR |
| 2026-11-02 | Regulation FD disclosure | EDGAR |
| 2026-09-24 | Material agreement | EDGAR |
| 2026-09-23 | Material agreement · New debt obligation | EDGAR |
| 2026-08-17 | Regulation FD disclosure | EDGAR |
| 2026-07-31 | Regulation FD disclosure | EDGAR |
| 2026-07-13 | Regulation FD disclosure | EDGAR |
| 2026-07-01 | Regulation FD disclosure | EDGAR |
| Filing Date | Accession | Link |
|---|
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
PNBK vs Peers
Related companies, largest first| Company | Market cap | P/E | Revenue growth | YTD | IV rank |
|---|---|---|---|---|---|
| JPM JPMorgan Chase & Co. | $910.4B | 14.8 | +8.0% | +6.4% | 35 |
| BAC Bank of America Corporation | $348.5B | 12.2 | −0.5% | −8.8% | 52 |
| WFC Wells Fargo & Co. | $257.4B | 12.1 | +6.2% | −9.6% | 32 |
| C Citigroup Inc. | $205.3B | 13.4 | +3.7% | +4.5% | 36 |
| UBS UBS Group AG | $146.8B | — | — | +2.6% | 27 |
| MFG Mizuho Financial Group, Inc. American De | $122.2B | — | — | +39.5% | 21 |
| COF Capital One Financial | $116.5B | 12.1 | +37.3% | −21.3% | 45 |
| USB U.S. Bancorp | $94.2B | 12.2 | +3.3% | +13.1% | 51 |
| PNBK Patriot National Bancorp Inc | $110M | — | — | −48.2% | — |
| Peer median | $176.1B | 12.2 | +5.0% | +3.5% | 35 |
P/E uses the latest reported trailing-12-month diluted EPS; "—" means no positive earnings or no data.