Patriot National Bancorp Inc(PNBK)
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership.
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.
- Industry (SIC)
- NATIONAL COMMERCIAL BANKS (6021)
- Exchange
- XNAS
- Market Cap
- $0.1B
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 | Avg Return | Years of Data |
|---|---|---|
| Jan | +4.60% | 23 |
| Feb | -4.42% | 23 |
| Mar | -3.44% | 23 |
| Apr | +14.44% | 23 |
| May | -7.11% | 23 |
| Jun | -1.13% | 23 |
| Jul | +3.03% | 23 |
| Aug | -1.06% | 23 |
| Sep | -1.87% | 23 |
| Oct | -2.63% | 22 |
| Nov | +1.95% | 22 |
| Dec | -0.07% | 22 |
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.
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.
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 →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
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.
Wing-vs-ATM tells you how expensive the tails are. 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.
Enter a ticker to render the implied volatility surface.
Enter a ticker to render the implied volatility smile.
- Beta (1Y vs SPY)
- 1.07
- Correlation (SPY)
- 19.8%
- R²
- 0.04
- Ann. Volatility
- 70.5%
- SPY Volatility
- 13.0%
Above average volatility - stock moves with market amplification
Institutional 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 |
|---|
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 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 | +249,066 | $1.20 | -$364.6K | EDGAR |
| 2026-07-02 | Edward N. Constantino | Director | Exer (M) | +22,222 | — | EDGAR | |
| 2026-07-02 | Jeffrey T Seabold | Director | Exer (M) | +133,333 | — | EDGAR | |
| 2026-06-18 | Steven Sugarman | President and CEO | Grant (A) | +105,027 RSU | — | EDGAR | |
| 2026-05-29 | Mario De Tomasi | Director | Buy (P) | +85,000 | $0.96 | $81.6K | EDGAR |
| 2026-05-27 | William Paul Simmons | EVP & Chief Credit Officer | Grant (A) | +74,983 RSU | — | EDGAR |
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Steven Sugarman | President and CEO | 11,358,087 | $11.36M | $5.26M | 8 | 2026-08-27 |
| 2 | PNBK Sponsor LLC | 10%+ Owner | 2,520,815 | $2.52M | $0 | 2 | 2018-05-29 |
| 3 | PNBK Holdings LLC | 10%+ Owner | 2,520,000 | $2.52M | $0 | 1 | 2018-02-07 |
| 4 | Carlos P Salas | EVP & Chief Financial Officer | 1,666,667 | $1.67M | $0 | 3 | 2026-05-27 |
| 5 | Michael A. Carrazza | Chairman of the Board | 921,023 | $921.0K | $762.1K | 10 | 2025-05-15 |
| 6 | Michael J Weinbaum | Director | 367,492 | $367.5K | $100.0K | 11 | 2024-05-07 |
| 7 | Mario De Tomasi | Director | 272,941 | $272.9K | $243.0K | 5 | 2026-09-10 |
| 8 | William Paul Simmons | EVP & Chief Credit Officer | 211,557 | $211.6K | $0 | 3 | 2026-05-27 |
| 9 | Angie Miranda | EVP & Chief Risk Officer | 150,000 | $150.0K | $0 | 2 | 2026-05-04 |
| 10 | Jeffrey T Seabold | Director | 133,583 | $133.6K | $0 | 1 | 2026-07-02 |
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|
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.