What is Patriot National Bancorp's free cash flow margin?

Patriot National Bancorp (PNBK) reported free cash flow margin of -38.6% in Q1 2026.

What is the long-term trend for Patriot National Bancorp's free cash flow margin?

Over 3 years (2020 to 2025), Patriot National Bancorp's free cash flow margin has grown at a 29.4% compound annual growth rate (CAGR), from 23.8% to -51.5%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Patriot National Bancorp PNBK Free cash flow margin

Free cash flow margin at other companies

Webster Financial CorporationWBS

41%-5.3pp

Pioneer Bancorp, Inc.PBFS

32.4%—

Riverview BancorpRVSB

49.2%+29.5pp

Customers BancorpCUBI

46.9%+9.0pp

PRO

Provident Financial HoldingsPROV

18.9%—

Capital BancorpCBNK

28.4%-0.5pp

Other financials

Income statement

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Revenue$10.3M+54.5%

Net income-$1.8M+36.8%

EPS (diluted)-$0.02+90.5%

Balance sheet

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Cash & equivalents$109.2M-19.8%

Total debt$3.1M+159%

Total equity$90.2M+57.9%

Total assets$1.2B+23.0%

Cash flow

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Operating cash flow-$2.9M+49.9%

CapEx$545.0K+679%

Free cash flow-$3.5M+41.2%

Valuation

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Market cap$112.6M-5.1%

Enterprise value$6.52M+132%

P/S3.4×-1.1×

Profitability

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Net margin-35.1%-15.3pp

Returns & leverage

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Return on equity-15.9%-7.1pp

Debt / equity0×0.0×

Where this comes from

Calculated from Patriot National Bancorp’s reported figures.

free cash flow/total revenue=-38.6%

Based on trailing twelve months.

The official record: Patriot National Bancorp’s 10-Q, filed May 15, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Patriot National Bancorp's free cash flow margin?: Patriot National Bancorp (PNBK) reported free cash flow margin of -38.6% in Q1 2026.
What is the long-term trend for Patriot National Bancorp's free cash flow margin?: Over 3 years (2020 to 2025), Patriot National Bancorp's free cash flow margin has grown at a 29.4% compound annual growth rate (CAGR), from 23.8% to -51.5%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.