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Patriot National Bancorp PNBK Q4 2025 Annual earnings

Reported March 10, 2026

Revenue$15.7MBeat by $7.6M
EPS-$0.02Miss by $0.27
Revenue estimate$8.1M
EPS estimate$0.25

Next report

Aug 10, 2026 (In 1 week)
Revenue estimate$8.4M
EPS estimate$0.25

Financials

Q4 2025

Income statement

See full
Revenue$9.5M+44.3%
Net income-$2.3M+76.2%
EPS (diluted)-$0.01+99.6%

Balance sheet

See full
Cash & equivalents$207.1M+27.4%
Total debt$1.2M-24.8%
Total equity$94.7M+2,120%
Total assets$1.1B+7.5%

Cash flow

See full
Operating cash flow-$4.0M—
CapEx$80.0K—
Free cash flow-$4.1M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$209.28M+2,613%
Enterprise value$3.36M+102%
P/S7.1×+6.8×

Profitability

See full
Net margin-42.9%-17.6pp
FCF margin-51.5%—

Returns & leverage

See full
Return on equity-25.7%-11.8pp
Debt / equity0×-0.4×

Versus estimates

Revenue

Q1 2026$18.0MBeat by $9.7M
Q4 2025$15.7MBeat by $7.6M
Q3 2025$13.7MQ2 2025$13.5MQ1 2025$15.2MQ4 2024$14.2M

Diluted EPS

Q1 2026-$0.02Miss by $0.27
Q4 2025-$0.02Miss by $0.27
Q3 2025-$0.03Q2 2025-$0.06Q1 2025-$0.21Q4 2024-$2.40

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Questions, answered.

When did Patriot National Bancorp report Q4 2025 earnings?
Patriot National Bancorp (PNBK) reported Q4 2025 earnings on March 10, 2026.
What were Patriot National Bancorp's Q4 2025 revenue and EPS?
Patriot National Bancorp reported revenue of $15.7M and eps of $-0.02 for Q4 2025.
Did Patriot National Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $8.1M by $7.6M. EPS missed the consensus estimate of $0.25 by $0.27.
How did Patriot National Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.7% from $14.2M a year earlier and eps grew 99.2% from $-2.40.
Where can I find Patriot National Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001437749-26-007542) and the 10-K periodic report (0001628280-26-022508) directly on SEC EDGAR. The filing index links above go to sec.gov.