PNBK Patriot National Bancorp Inc. - Common Stock
$1.09
Price · Aug 18, 2026
Fundamentals as of Aug 14, 2026
52W Range
$1–$2
21% of range
Analyst Rating
HOLD
6 analysts
Price Target
—
P/E (TTM)
-6.5
ROE
-15.8%
Net Profit Margin
-42.9%
About Patriot National Bancorp Inc. - Common Stock Company overview from Wikipedia
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
Read more
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
The bank provides retail and commercial banking services and operates seven locations in Fairfield County, Connecticut, one in New Haven County, Connecticut, and one in Westchester County, New York.
## History
On August 31, 1994, Patriot National Bank obtained its charter and opened for business as a community bank. In 1999, Patriot National Bancorp, Incorporated was organized as a Bank Holding Company headquartered in Stamford, Connecticut. The Patriot National Statutory Trust I was founded on March 11, 2003, to issue trust preferred securities and invest the proceeds in subordinated debentures issued by the company.
In 2006, Patriot National Bank purchased a branch office and opened two new branch offices in New York, expanding its geographical footprint into New York State. In August 2017, Patriot announced the signing of a definitive merger agreement pursuant to acquire Prime Bank of Orange, CT, expanding its community banking presence in Connecticut.
In September 2015, the bank announced the bank announced its new name “Patriot Bank”. In July 2017, Patriot announced the resumption of quarterly dividends for shareholders in July 2017, for the first time since 2008.
== References ==
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
PNBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$1.09
Market Cap
$128M
P/E (TTM)
-6.5
EPS (TTM)
$-0.17
Revenue (TTM)
—
Div Yield
0.00%
ROE
-15.8%
Debt/Equity
—
52W Range
$1 – $2
PNBK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
Configure
10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$-0.17
2016-12-31
→
2025-12-31
Free Cash Flow
$-14M
2021-12-31
→
2025-12-31
Margins
-42.9%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
PNBK
Peer Median
P/E (TTM)
-6.5
14.2
P/S (TTM)
4.3
1.5
P/B
1.3
0.9
Price / FCF
-8.9
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
PNBK
Peer Median
Net Profit Margin
-42.9%
16.2%
ROA
-1.2%
-0.12%
ROE
-15.8%
-6.8%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
PNBK
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
PNBK
Peer Median
Revenue YoY
4.2%
—
Revenue CAGR 3Y
-7.0%
—
Revenue CAGR 5Y
2.5%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
PNBK
Peer Median
Payout Ratio
0.00%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
0.00%
Payout Ratio
0.00%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Dec. 6, 2019 | $0.0100 |
| Aug. 30, 2019 | $0.0100 |
| June 3, 2019 | $0.0100 |
| March 8, 2019 | $0.0100 |
| Nov. 23, 2018 | $0.0100 |
| Aug. 16, 2018 | $0.0100 |
| May 16, 2018 | $0.0100 |
| Feb. 9, 2018 | $0.0100 |
| Nov. 8, 2017 | $0.0100 |
| July 20, 2017 | $0.0100 |
| Jan. 2, 2009 | $0.4500 |
| Oct. 3, 2008 | $0.4500 |
| June 27, 2008 | $0.4500 |
| April 1, 2008 | $0.4500 |
| Dec. 28, 2007 | $0.4500 |
| Sept. 28, 2007 | $0.4500 |
| June 29, 2007 | $0.4500 |
| March 30, 2007 | $0.4500 |
| Dec. 28, 2006 | $0.4500 |
| Oct. 18, 2006 | $0.4500 |
PNBK Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
SELL
6 analysts
- Strong Buy 0 0.0%
- Buy 0 0.0%
- Hold 3 50.0%
- Sell 1 16.7%
- Strong Sell 2 33.3%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.11%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| March 31, 2019 | $0.10 | $0.34 | -0.24% |
| Dec. 31, 2018 | $0.10 | $0.31 | -0.21% |
| Sept. 30, 2018 | $0.36 | $0.36 | 0.00% |
| June 30, 2018 | $0.41 | $0.41 | 0.00% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| PNBK | $209M | -10.7 | 4.2% | -42.9% | -15.8% | — |
| FGBI | $85M | — | -15.7% | -58.7% | -25.1% | — |
| LSBK | $115M | 15.1 | 14.2% | 26.1% | 6.2% | — |
| HYNE | $117M | 483.0 | 41.8% | 1.5% | 0.19% | — |
| BOTJ | $84M | 9.3 | 6.7% | 211.1% | 11.9% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $30M | $11M | $7M | $14M | $18M | $12M | $7M | $3M | $3M | $3M | |
| Interest Income | $48M | $52M | $59M | $44M | $32M | $38M | $44M | $40M | $33M | $25M | $24M | $20M | |
| Pretax Income | $-13M | $-16M | $-6M | $8M | $5M | $-4M | $-4M | $4M | $7M | $3M | $4M | $959.0K | |
| Income Tax | $59.0K | $24M | $-1M | $2M | $-81.0K | $-337.0K | $-899.0K | $890.0K | $3M | $1M | $1M | $-15M | |
| Net Income | $-13M | $-40M | $-4M | $6M | $5M | $-4M | $-3M | $3M | $4M | $2M | $2M | $16M | |
| EPS (Basic) | $-0.17 | $-10.03 | $-1.05 | $1.56 | $1.29 | $-0.97 | $-0.72 | $0.82 | $1.06 | $0.49 | $0.55 | $4.08 | |
| EPS (Diluted) | $-0.17 | $-10.03 | $-1.05 | $1.55 | $1.29 | $-0.97 | $-0.72 | $0.82 | $1.06 | $0.49 | $0.55 | $4.05 | |
| Shares (Basic) | 76,812,476 | 3,976,224 | 3,965,324 | 3,957,097 | 3,946,384 | 3,934,886 | 3,921,783 | 3,904,052 | 3,894,222 | 3,953,281 | 3,924,618 | 3,850,042 | |
| Shares (Diluted) | 76,812,476 | 3,976,224 | 3,965,324 | 3,962,898 | 3,952,654 | 3,934,886 | 3,921,783 | 3,915,625 | 3,897,185 | 3,953,281 | 3,924,618 | 3,876,787 | |
| EBITDA | $986.0K | $1M | $1M | $1M | $2M | · | · | · | · | · | · | · |
Balance Sheet 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | $38M | $47M | $35M | $39M | $66M | $49M | $92M | $85M | $73M | |
| PP&E (Net) | $28M | $29M | $30M | $31M | $32M | $33M | $35M | $35M | $35M | $33M | $29M | $22M | |
| PP&E (Gross) | $48M | $48M | $48M | $48M | $47M | $49M | $49M | $48M | $47M | $43M | $38M | $33M | |
| Accum. Depreciation | $20M | $19M | $18M | $17M | $16M | $16M | $14M | $13M | $11M | $10M | $9M | $11M | |
| Goodwill | $0 | $0 | $0 | $1M | $1M | $1M | $1M | $2M | $2M | · | · | · | |
| Intangibles | $109.0K | $156.0K | $203.0K | $249.0K | $296.0K | $343.0K | $623.0K | $698.0K | · | · | · | · | |
| Total Assets | $1.09B | $1.01B | $1.09B | $1.04B | $948M | $881M | $980M | $952M | $852M | $757M | $653M | $633M | |
| Total Liabilities | $993M | $1.01B | $1.05B | $984M | $881M | $818M | $913M | $882M | $785M | $694M | $592M | $574M | |
| Long-term Debt | $16M | $33M | $201M | $115M | $121M | $121M | $131M | $131M | $141M | $159M | $142M | $128M | |
| Common Stock | $1M | $41.0K | $107M | $107M | $106M | $106M | $106M | $106M | $40.0K | $40.0K | $40.0K | $39.0K | |
| Retained Earnings | $-100M | $-87M | $-47M | $-31M | $-37M | $-43M | $-39M | $-36M | $-39M | $-43M | $-45M | $-47M | |
| Treasury Stock | $1M | $1M | · | · | · | · | · | $1M | $1M | $1M | $160.0K | $160.0K | |
| AOCI | $-12M | $-16M | $-15M | $-16M | $-2M | $-518.0K | $-403.0K | $-826.0K | $-155.0K | $-120.0K | $-152.0K | $-277.0K | |
| Stockholders' Equity | $95M | $4M | $44M | $60M | $67M | $63M | $67M | $69M | $67M | $63M | $61M | $59M | |
| Liabilities + Equity | $1.09B | $1.01B | $1.09B | $1.04B | $948M | $881M | $980M | $952M | $852M | $757M | $653M | $633M | |
| Shares Outstanding | 114,996,672 | 3,991,852 | 4,049,814 | 4,038,927 | 3,956,492 | 3,943,572 | 3,930,669 | 3,910,674 | 3,899,675 | 3,891,897 | 3,956,207 | 3,924,192 |
Cash Flow 18
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $986.0K | $1M | $1M | $1M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | |
| Stock-based Comp | $5M | $184.0K | $105.0K | $86.0K | $150.0K | $159.0K | $214.0K | $220.0K | $146.0K | $161.0K | $461.0K | $275.0K | |
| Deferred Tax | $59.0K | $24M | $-4M | $1M | $-261.0K | $-323.0K | $-1M | $-265.0K | $2M | $1M | $1M | $-15M | |
| Amort. of Intangibles | $47.0K | $47.0K | $46.0K | $47.0K | $47.0K | $74.0K | $75.0K | $50.0K | · | · | · | · | |
| Restructuring | · | · | · | · | · | · | · | · | · | · | $0 | $0 | |
| Other Non-cash | $-8M | $17M | $-4M | $-2M | $1M | · | · | · | · | · | · | · | |
| Operating Cash Flow | $-14M | $3M | $-11M | $7M | $8M | $6M | $-12M | $5M | $7M | $5M | $6M | $22M | |
| CapEx | $172.0K | $55.0K | $412.0K | $414.0K | $430.0K | $70.0K | $552.0K | $1M | $3M | $4M | $6M | $8M | |
| Investing Cash Flow | $-21M | $135M | $-27M | $-122M | $-55M | $83M | $-42M | $-27M | $-141M | $-99M | $-9M | · | |
| Stock Issued | $86M | $0 | $0 | · | · | · | · | · | · | · | · | · | |
| Stock Repurchased | · | · | · | · | · | · | · | · | $2.0K | $1M | · | · | |
| Net Stock Activity | $86M | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid | $0 | $0 | $0 | $0 | $0 | $0 | $155.0K | $154.0K | $77.0K | · | · | · | |
| Financing Cash Flow | $79M | $-42M | $66M | $106M | $60M | $-94M | $27M | $39M | $90M | $101M | $16M | · | |
| Net Change in Cash | $45M | $96M | $28M | $-9M | $12M | $-5M | $-27M | $18M | $-44M | $7M | $12M | $38M | |
| Taxes Paid | $-16.0K | $66.0K | $4M | $102.0K | $140.0K | $-659.0K | $22.0K | $1M | · | · | · | · | |
| Free Cash Flow | $-14M | $3M | $-11M | $7M | $7M | · | · | · | · | · | $-343.0K | · | |
| Levered FCF | · | · | $-34M | $-2M | $-38.6K | · | · | · | · | · | $-2M | · |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | -42.9% | -140.2% | -12.1% | 16.7% | 17.2% | · | · | · | · | · | 9.5% | · | |
| Pretax Margin | -42.7% | -56.6% | -16.3% | 21.0% | 16.9% | · | · | · | · | · | 15.5% | · | |
| EBITDA Margin | 3.3% | 3.8% | 3.5% | 3.6% | 5.1% | · | · | · | · | · | · | · | |
| ROA | -1.2% | -3.8% | -0.39% | 0.62% | 0.56% | · | · | · | · | · | 0.33% | · | |
| ROE | -15.8% | -386.2% | -9.9% | 10.5% | 7.6% | · | · | · | · | · | 3.5% | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | 0.0 | · |
Growth Rates 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 4.2% | -17.6% | -6.4% | 24.2% | 13.6% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | -7.0% | -1.4% | 9.7% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 2.5% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | · | · | · | 20.2% | · | · | · | · | · | · | · | · | |
| Net Income YoY | · | · | · | 20.9% | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $30M | $28M | $35M | $37M | $30M | $26M | $28M | $30M | $27M | $24M | $23M | $19M | |
| Net Income TTM | $-13M | $-40M | $-4M | $6M | $5M | $-4M | $-3M | $3M | $4M | $2M | $2M | $16M | |
| Market Cap | $209M | $8M | $15M | $42M | $62M | · | · | · | · | · | $57M | · | |
| P/E | -10.7 | -0.2 | -3.6 | 6.8 | 12.1 | -10.2 | -17.7 | 17.4 | 16.8 | 28.7 | 26.5 | 4.0 | |
| P/S | 7.1 | 0.3 | 0.4 | 1.1 | 2.1 | · | · | · | · | · | 2.5 | · | |
| P/B | 2.2 | 1.8 | 0.3 | 0.7 | 0.9 | · | · | · | · | · | 0.9 | · | |
| P / Tangible Book | 2.2 | 1.9 | 0.3 | 0.7 | 0.9 | 0.6 | · | · | · | · | · | · | |
| P / Cash Flow | -14.8 | 2.9 | -1.4 | 6.0 | 8.1 | · | · | · | · | · | 9.7 | · | |
| P / FCF | -14.6 | 2.9 | -1.4 | 6.3 | 8.6 | · | · | · | · | · | -166.5 | · | |
| Dividend Yield | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | · | · | · | · | · | · | · | |
| Earnings Yield | -9.3% | -517.0% | -27.4% | 14.6% | 8.3% | -9.8% | -5.6% | 5.8% | 5.9% | 3.5% | 3.8% | 24.7% | |
| Payout Ratio | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | · | · | · | · | · | · | · | |
| Annual Payout | $0 | $0 | $0 | $0 | $0 | $0 | $155.0K | $154.0K | $77.0K | · | · | · |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $8M | $9M | · | $9M | $8M | $6M | · | $3M | |
| Interest Income | $16M | $15M | $12M | $12M | $11M | $13M | $12M | $13M | $13M | $14M | $15M | $15M | $15M | $14M | $14M | $12M | |
| Pretax Income | $-1M | $-2M | $-2M | $-3M | $-5M | $-3M | $-10M | $-2M | $-4M | $-233.0K | $1M | $-5M | $-846.0K | $-956.0K | $2M | $2M | |
| Income Tax | $-2M | $13.0K | $112.0K | $-5.0K | $-49.0K | $1.0K | $-3.0K | $25M | $-924.0K | $66.0K | $367.0K | $-1M | $-231.0K | $-257.0K | $652.0K | $157.0K | |
| Net Income | $143.0K | $-2M | $-2M | $-3M | $-5M | $-3M | $-10M | $-27M | $-3M | $-299.0K | $905.0K | $-4M | $-615.0K | $-699.0K | $2M | $2M | |
| EPS (Basic) | $0.00 | $-0.02 | $0.13 | $-0.03 | $-0.06 | $-0.21 | $-2.40 | $-6.78 | $-0.77 | $-0.08 | $0.24 | $-0.95 | $-0.16 | $-0.18 | $0.45 | $0.59 | |
| EPS (Diluted) | $0.00 | $-0.02 | $0.13 | $-0.03 | $-0.06 | $-0.21 | $-2.40 | $-6.78 | $-0.77 | $-0.08 | $0.24 | $-0.95 | $-0.16 | $-0.18 | $0.44 | $0.59 | |
| Shares (Basic) | 117,479,316 | 115,275,211 | -114,538,178 | 99,937,915 | 78,123,095 | 13,289,644 | -7,951,995 | 3,976,073 | 3,976,073 | 3,976,073 | -7,930,234 | 3,965,186 | 3,965,186 | 3,965,186 | -7,913,924 | 3,957,269 | |
| Shares (Diluted) | 117,479,316 | 115,275,211 | -114,538,178 | 99,937,915 | 78,123,095 | 13,289,644 | -7,951,995 | 3,976,073 | 3,976,073 | 3,976,073 | -7,930,234 | 3,965,186 | 3,965,186 | 3,965,186 | -7,933,891 | 3,963,708 | |
| EBITDA | · | $214.0K | · | · | · | · | · | · | · | $284.0K | · | · | · | $275.0K | · | · |
Balance Sheet 16
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | · | · | · | · | · | · | $79M | $71M | $60M | · | $31M | |
| PP&E (Net) | $28M | $28M | $28M | $28M | $28M | $29M | $29M | $29M | $29M | $30M | · | $30M | $30M | $30M | · | $31M | |
| PP&E (Gross) | · | · | $48M | · | · | · | $48M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $20M | · | · | · | $19M | · | · | · | · | · | · | · | · | · | |
| Goodwill | · | · | $0 | · | · | · | $0 | · | · | · | $0 | $1M | $1M | $1M | $1M | $1M | |
| Intangibles | $86.0K | $97.0K | $109.0K | $121.0K | $132.0K | $144.0K | $156.0K | $168.0K | $179.0K | $191.0K | · | $214.0K | $226.0K | $238.0K | · | $261.0K | |
| Total Assets | $1.32B | $1.18B | $1.09B | $951M | $930M | $957M | $1.01B | $974M | $1.04B | $1.07B | · | $1.14B | $1.16B | $1.10B | · | $1.06B | |
| Total Liabilities | $1.23B | $1.09B | $993M | $856M | $864M | $899M | $1.01B | $958M | $998M | $1.03B | · | $1.10B | $1.11B | $1.05B | · | $1.00B | |
| Long-term Debt | · | · | $16M | · | · | · | $33M | · | · | · | · | · | · | · | · | · | |
| Common Stock | $1M | $1M | $1M | $204M | $169M | $156M | $41.0K | $107M | $107M | $107M | · | $107M | $107M | $107M | · | $107M | |
| Retained Earnings | $-101M | $-101M | $-100M | $-97M | $-95M | $-90M | $-87M | $-77M | $-50M | $-47M | · | $-48M | $-44M | $-44M | · | $-33M | |
| Treasury Stock | $1M | $1M | $1M | · | · | · | $1M | · | · | · | · | · | · | · | · | · | |
| AOCI | $-16M | $-14M | $-12M | $-12M | $-13M | $-14M | $-16M | $-13M | $-16M | $-16M | · | $-19M | $-16M | $-14M | · | $-15M | |
| Stockholders' Equity | $89M | $90M | $95M | $95M | $66M | $57M | $4M | $16M | $41M | $44M | $44M | $40M | $46M | $49M | $60M | $58M | |
| Liabilities + Equity | $1.32B | $1.18B | $1.09B | $951M | $930M | $957M | $1.01B | $974M | $1.04B | $1.07B | · | $1.14B | $1.16B | $1.10B | · | $1.06B | |
| Shares Outstanding | 117,662,845 | 117,085,715 | 114,996,672 | 114,991,017 | 85,796,228 | 73,725,292 | 3,991,852 | 3,976,073 | 3,976,073 | 3,976,073 | 4,049,814 | 3,965,186 | 3,965,186 | 3,965,186 | 3,965,186 | 3,957,269 |
Cash Flow 15
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $244.0K | $214.0K | $221.0K | $231.0K | $284.0K | $250.0K | $255.0K | $266.0K | $273.0K | $284.0K | $289.0K | $289.0K | $340.0K | $275.0K | $344.0K | $328.0K | |
| Stock-based Comp | $1M | $2M | $2M | $2M | $1M | $181.0K | $64.0K | $55.0K | $41.0K | $24.0K | $28.0K | $31.0K | $23.0K | $23.0K | $23.0K | $22.0K | |
| Deferred Tax | · | · | · | · | · | · | $724.0K | $24M | $-946.0K | $40.0K | $1M | $-5M | $-471.0K | $-261.0K | $605.0K | $294.0K | |
| Amort. of Intangibles | $11.0K | $12.0K | $12.0K | $11.0K | $12.0K | $12.0K | $12.0K | $11.0K | $12.0K | $12.0K | $11.0K | $12.0K | $12.0K | $11.0K | $12.0K | $12.0K | |
| Other Non-cash | · | $-4M | · | · | · | · | · | · | · | $2M | · | · | · | $450.0K | · | · | |
| Operating Cash Flow | $-6M | $-3M | $-4M | $-5M | $921.0K | $-6M | $-3M | $-3M | $6M | $2M | $-167.0K | $-14M | $4M | $-212.0K | $7M | $2M | |
| CapEx | $33.0K | $545.0K | $80.0K | $19.0K | $3.0K | $70.0K | $-97.0K | $61.0K | $50.0K | $41.0K | $15.0K | $167.0K | $132.0K | $98.0K | $92.0K | $52.0K | |
| Investing Cash Flow | $-124M | $-186M | $-124M | $-18M | $87M | $34M | $43M | $21M | $28M | $43M | $30M | $41M | $-58M | $-41M | $15M | $-20M | |
| Stock Issued | $0 | $0 | $0 | $26M | $14M | $45M | $0 | $0 | $0 | $0 | · | · | · | · | · | · | |
| Net Stock Activity | · | $0 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $142M | $91M | $134M | $22M | $-21M | $-55M | $49M | $-39M | $-33M | $-19M | $-43M | $-19M | $64M | $63M | $-15M | $12M | |
| Net Change in Cash | $12M | $-98M | $6M | $-1M | $67M | $-26M | $90M | $-21M | $877.0K | $26M | $-12M | $8M | $11M | $22M | $7M | $-6M | |
| Taxes Paid | $0 | $0 | $2.0K | $0 | $0 | $-18.0K | $-434.0K | $0 | $500.0K | $0 | $3M | $0 | $46.0K | $-2.0K | $-1.0K | $1.0K | |
| Free Cash Flow | · | $-3M | · | · | · | · | · | · | · | $2M | · | · | · | $-310.0K | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-9M | · | · | · | $-4M | · | · |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 1.2% | -17.0% | · | -36.8% | -80.4% | · | · | -378.9% | -43.5% | -3.9% | · | -49.0% | -7.2% | -7.9% | · | 23.5% | |
| Pretax Margin | -11.5% | -16.9% | · | -36.9% | -81.2% | · | · | -32.4% | -56.5% | -3.0% | · | -66.3% | -9.9% | -10.8% | · | 25.1% | |
| EBITDA Margin | · | 2.1% | · | · | · | · | · | · | · | 3.7% | · | · | · | 3.1% | · | · | |
| ROA | 0.01% | -0.16% | · | -0.28% | -0.51% | · | · | -2.5% | -0.28% | -0.03% | · | -0.34% | -0.06% | -0.07% | · | 0.23% | |
| ROE | 0.18% | -2.4% | · | -4.8% | -9.4% | · | · | -95.7% | -7.1% | -0.65% | · | -7.7% | -1.2% | -1.3% | · | 3.7% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | · | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 12
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $36M | $30M | · | $27M | $27M | $29M | · | $30M | $31M | $33M | · | $35M | $36M | $35M | · | $33M | |
| Net Income TTM | $-9M | $-12M | · | $-37M | $-38M | $-33M | · | $-34M | $-8M | $-5M | · | $-3M | $2M | $4M | · | $6M | |
| Market Cap | $113M | $151M | · | $149M | $130M | · | · | $8M | $7M | $15M | · | $29M | $31M | $35M | · | $44M | |
| P/E | -8.7 | -4.0 | · | -0.2 | -0.2 | -0.1 | · | -0.2 | -1.0 | -2.7 | · | -10.6 | 13.8 | 9.5 | · | 7.6 | |
| P/S | 3.2 | 5.0 | · | 5.5 | 4.8 | · | · | 0.3 | 0.2 | 0.5 | · | 0.8 | 0.9 | 1.0 | · | 1.3 | |
| P/B | 1.3 | 1.7 | · | 1.6 | 2.0 | · | · | 0.5 | 0.2 | 0.3 | · | 0.7 | 0.7 | 0.7 | · | 0.8 | |
| P / Tangible Book | 1.3 | 1.7 | · | 1.6 | 2.0 | 1.5 | · | 0.5 | 0.2 | 0.3 | · | 0.8 | 0.7 | 0.7 | · | 0.8 | |
| P / Cash Flow | · | -51.9 | · | · | · | · | · | · | · | 8.3 | · | · | · | -165.0 | · | · | |
| P / FCF | · | -43.7 | · | · | · | · | · | · | · | 8.5 | · | · | · | -112.8 | · | · | |
| Dividend Yield | 0.14% | 0.10% | · | 0.10% | 0.12% | · | · | 2.1% | 2.1% | 1.0% | · | 0.53% | 0.50% | 0.44% | · | 0.35% | |
| Earnings Yield | -11.5% | -24.8% | · | -544.6% | -514.5% | -675.9% | · | -451.6% | -104.8% | -36.5% | · | -9.5% | 7.2% | 10.5% | · | 13.1% | |
| Annual Payout | $155.0K | $155.0K | · | $155.0K | $155.0K | $155.0K | · | $155.0K | $155.0K | $155.0K | · | $155.0K | $155.0K | $155.0K | · | $155.0K |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $-13M | $-40M | $-4M | $6M | $5M |
| Diluted EPS | $-0.17 | $-10.03 | $-1.05 | $1.55 | $1.29 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $-14M | $3M | $-11M | $7M | $7M |
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Institutional owners (13F) 73 filers · $15.2M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 20 (+10 vs prior Q) | 27 (+23 vs prior Q) | 21 (-5 vs prior Q) | 12 (-5 vs prior Q) | +4.0M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $4,164,212 | 4,346,777 | 27.48% | Shares |
| Angel Oak Capital Advisors, LLC | $2,548,995 | 2,662,136 | 16.82% | Shares |
| Corient Private Wealth LP | $1,837,320 | 1,918,871 | 12.12% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $769,773 | 803,398 | 5.08% | Shares |
| MILLENNIUM MANAGEMENT LLC | $720,670 | 752,658 | 4.76% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $511,233 | 533,646 | 3.37% | Shares |
| Composition Wealth, LLC | $416,271 | 434,748 | 2.75% | Shares |
| Curated Wealth Partners LLC | $409,791 | 427,980 | 2.70% | Shares |
| HighTower Advisors, LLC | $310,102 | 323,866 | 2.05% | Shares |
| Point72 Asset Management, L.P. | $281,787 | 294,294 | 1.86% | Shares |
| Lido Advisors, LLC | $263,693 | 275,397 | 1.74% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $250,577 | 261,699 | 1.65% | Shares |
| STATE STREET CORP | $209,891 | 219,207 | 1.38% | Shares |
| AXXCESS WEALTH MANAGEMENT, LLC | $204,267 | 213,334 | 1.35% | Shares |
| Aster Capital Management (DIFC) Ltd | $201,152 | 210,080 | 1.33% | Shares |
| NORTHERN TRUST CORP | $186,307 | 194,576 | 1.23% | Shares |
| Sanctuary Advisors, LLC | $180,095 | 188,089 | 1.19% | Shares |
| GOLDMAN SACHS GROUP INC | $179,624 | 187,597 | 1.19% | Shares |
| CITADEL ADVISORS LLC | $177,579 | 185,461 | 1.17% | Shares |
| Qube Research & Technologies Ltd | $146,869 | 153,388 | 0.97% | Shares |
| Beacon Pointe Advisors, LLC | $134,160 | 104,000 | 0.89% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $119,688 | 125,000 | 0.79% | Shares |
| Rinkey Investments | $116,650 | 121,828 | 0.77% | Shares |
| Westmount Partners, LLC | $95,750 | 100,000 | 0.63% | Shares |
| Catalyst Funds Management Pty Ltd | $86,175 | 90,000 | 0.57% | Shares |
| Falcon Wealth Planning | $81,388 | 85,000 | 0.54% | Shares |
| MARSHALL WACE, LLP | $60,279 | 62,790 | 0.40% | Shares |
| Northeast Financial Consultants Inc | $59,467 | 39,123 | 0.39% | Shares |
| XTX Topco Ltd | $58,277 | 60,864 | 0.38% | Shares |
| BlackDiamond Wealth Management, LLC | $58,000 | 50,000 | 0.38% | Shares |
| VANGUARD GROUP INC | $39,347 | 21,619 | 0.26% | Shares |
| Focus Partners Wealth | $38,726 | 40,446 | 0.26% | Shares |
| Larson Financial Group LLC | $36,098 | 37,700 | 0.24% | Shares |
| Blue Sky Capital Consultants Group, Inc. | $31,119 | 32,500 | 0.21% | Shares |
| Vanguard Global Advisers, LLC | $20,711 | 21,619 | 0.14% | Shares |
| BANK OF AMERICA CORP /DE/ | $19,377 | 20,248 | 0.13% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $19,347 | 20,206 | 0.13% | Shares |
| Schonfeld Strategic Advisors LLC | $16,207 | 16,927 | 0.11% | Shares |
| IEQ CAPITAL, LLC | $15,303 | 15,982 | 0.10% | Shares |
| Tarbox Family Office, Inc. | $14,363 | 15,000 | 0.09% | Shares |
| OSAIC HOLDINGS, INC. | $12,000 | 12,500 | 0.08% | Shares |
| Jump Financial, LLC | $9,877 | 10,310 | 0.07% | Shares |
| CHOREO, LLC | $9,644 | 10,017 | 0.06% | Shares |
| ORG Partners LLC | $6,734 | 3,700 | 0.04% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $5,765 | 4,469 | 0.04% | Shares |
| MORGAN STANLEY | $5,085 | 5,311 | 0.03% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $4,511 | 4,711 | 0.03% | Shares |
| Daytona Street Capital LLC | $1,709 | 1,427 | 0.01% | Shares |
| Arax Advisory Partners | $1,536 | 1,604 | 0.01% | Shares |
| BlackRock, Inc. | $1,428 | 1,491 | 0.01% | Shares |
| CWM, LLC | $1,031 | 799 | 0.01% | Shares |
| BEACON INVESTMENT ADVISORY SERVICES, INC. | $958 | 1,000 | 0.01% | Shares |
| Russell Investments Group, Ltd. | $906 | 946 | 0.01% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $718 | 750 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $631 | 671 | 0.00% | Shares |
| Essential Partners LLC | $442 | 462 | 0.00% | Shares |
| Allworth Financial LP | $394 | 411 | 0.00% | Shares |
| SBI Securities Co., Ltd. | $245 | 256 | 0.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $194 | 203 | 0.00% | Shares |
| WELLS FARGO & COMPANY/MN | $176 | 184 | 0.00% | Shares |
| Integrated Wealth Concepts LLC | $118 | 122 | 0.00% | Shares |
| Farther Finance Advisors, LLC | $95 | 100 | 0.00% | Shares |
| True Wealth Design, LLC | $95 | 99 | 0.00% | Shares |
| Fortitude Family Office, LLC | $68 | 71 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $56 | 58 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $34 | 35 | 0.00% | Shares |
| UBS Group AG | $34 | 35 | 0.00% | Shares |
| SJS Investment Consulting Inc. | $11 | 11 | 0.00% | Shares |
| IFP Advisors, Inc | $11 | 12 | 0.00% | Shares |
| Sunbelt Securities, Inc. | $6 | 5 | 0.00% | Shares |
| BARCLAYS PLC | $1 | 1 | 0.00% | Shares |
| Caitong International Asset Management Co., Ltd | $1 | 1 | 0.00% | Shares |
| ROYAL BANK OF CANADA | $0 | 90 | 0.00% | Shares |
Company insiders 31 insiders · 16 officers · 22 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Sugarman Steven | President and CEO | July 1, 2026 M | 2,338,109 | 0 | 0 | $0 |
| Kenneth T Neilson | President and CEO | Jan. 6, 2016 A | 115,255 | 0 | 0 | $0 |
| Christopher Maher | President and CEO | Nov. 30, 2011 P | 21,000 | 0 | 0 | $0 |
| Angelo Decaro | Chairman and CEO | Oct. 30, 2009 S | 586,300 | 0 | 0 | $0 |
| Christina L Maier | EVP and CFO | Feb. 21, 2014 P | 2,000 | 0 | 0 | $0 |
| Connell Robert F O | SEVP, CFO | Nov. 21, 2008 P | 27,948 | 0 | 0 | $0 |
| Charles F Howell | President & Vice Chairman | June 19, 2009 P | 63,050 | 0 | 0 | $0 |
| Susan Neilson | Executive Vice President & COO | Jan. 4, 2016 A | 5,000 | 0 | 0 | $0 |
| Philip W Wolford | COO & Secretary | Dec. 17, 2007 P | 302 | 0 | 0 | $0 |
| Samuel S Davis | EVP and Chief Credit Officer | Feb. 19, 2014 P | 19,900 | 0 | 0 | $0 |
| Michael A. Carrazza | Chairman of the Board | Feb. 14, 2014 P | 57,000 | 0 | 0 | $0 |
| John Kantzas | Exec. Vice President | Dec. 29, 2010 P | 59,453 | 0 | 0 | $0 |
| Michael Capodanno | SVP | May 13, 2009 P | 2,000 | 0 | 0 | $0 |
| Marcus N Zavattaro | Executive Vice Pres | Nov. 24, 2008 P | 48,711 | 0 | 0 | $0 |
| Martin G Noble | Executive Vice Pres | Sept. 29, 2006 P | 1,911 | 0 | 0 | $0 |
| Todd P Brown | Executive Vice Pres | Aug. 12, 2004 S | 25,174 | 0 | 0 | $0 |
| Jonathan Paul Roth | Director | July 29, 2026 A | 13,825 | 0 | 0 | $0 |
| Mario De Tomasi | Director | July 29, 2026 A | 209,941 | 0 | 0 | $0 |
| Anahit Magzanyan | Director | July 29, 2026 A | 26,512 | 0 | 0 | $0 |
| Edward N. Constantino | Director | July 29, 2026 A | 42,542 | 0 | 0 | $0 |
| Jeffrey T Seabold | Director | July 1, 2026 M | 133,583 | 0 | 0 | $0 |
| Emile Van Den Bol | Director | Feb. 17, 2016 A | 6,073 | 0 | 0 | $0 |
| Raymond B. Smyth | Director | Feb. 17, 2016 A | 7,586 | 0 | 0 | $0 |
| Michael J Weinbaum | Director | Feb. 17, 2016 A | 11,030 | 0 | 0 | $0 |
| Brian A Fitzgerald | Director | June 17, 2009 J | 7,779 | 0 | 0 | $0 |
| Morris L Glucksman | Director | June 17, 2009 J | 20,773 | 0 | 0 | $0 |
| John J Ferguson | Director | June 17, 2009 J | 9,015 | 0 | 0 | $0 |
| John A Geoghegan | Director | June 17, 2009 J | 5,432 | 0 | 0 | $0 |
| Michael F Intrieri | Director | June 17, 2009 J | 50,246 | 0 | 0 | $0 |
| Paul C Settelmeyer | Director | Oct. 20, 2005 J | 16,862 | 0 | 0 | $0 |
| Donald Opatrny | — | Sept. 29, 2006 P | 376,850 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners 12 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Sugarman Steven, Steven and Ainslie Sugarman Living Trust, Ainslie Sugarman ×4 filings | March 31, 2026 | 0.00% | Amendment | — | SEC |
| FHNB LLC, FlyHouse Management LLC, RIL Capital LLC, Revolution Worldwide LLC, Spencer Talia Living Trust, Sanford Michelman, Laura Michelman, Jean S. Lee, The Bryan Ezralow 1994 Trust, Bryan Ezralow, The Marc Ezralow 1997 Trust, Marc Ezralow | April 11, 2025 | 9.00% | Initial filing | — | SEC |
| Blackhurst Don | Sept. 30, 2024 | 6.50% | Initial filing | — | SEC |
| AFP Forty Six Corp., Michael Weinbaum ×2 filings | Oct. 10, 2023 | — | Initial filing | — | SEC |
| PNBK Holdings LLC;, PNBK Sponsor LLC;, Michael A. Carrazza (2) ×4 filings | April 2, 2021 | — | Initial filing | — | SEC |
| Barry Lewis, Barry Lewis Revocable Living Trust ×2 filings | Oct. 29, 2010 | — | Initial filing | Passive investment | SEC |
| PNBK Holdings LLC, PNBK Sponsor LLC, Michael A. Carrazza | Oct. 18, 2010 | — | Initial filing | — | SEC |
| Donald C. Opatrny | Oct. 6, 2006 | — | Initial filing | Passive investment | SEC |
| Angelo De Caro | Oct. 12, 2005 | — | Initial filing | — | SEC |
| Robert King Steel | Sept. 30, 2005 | — | Initial filing | Passive investment | SEC |
| Undisclosed reporting person | Nov. 26, 2002 | — | Initial filing | Passive investment | SEC |
| Undisclosed reporting person | June 5, 2002 | — | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership Held by 8 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.02% | 301,009 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.00% | 29,911 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.00% | 3,681 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 2,878 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 2,907 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 73 NS | May 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 867,602 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 3,392,720 SH | Aug. 8, 2026 | Daily |