Patriot National Bancorp, Inc. cash flow to debt ratio of -86.16% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Patriot National Bancorp, Inc.'s free cash flow has decreased 645.74% from $2.63M last year to $-14.34M, signaling decreasing performance

Patriot National Bancorp, Inc.'s debt to equity ratio is 0.29, which means that the company's assets are healthy financed, signaling financial stability.

Patriot National Bancorp, Inc.'s debt has decreased relative to shareholder equity from 7.75 last year to 0.29 today, signaling strengthened financials

Patriot National Bancorp, Inc. has a net cash position, so leverage is healthy.

Patriot National Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Patriot National Bancorp, Inc.'s profit margin has increased (-70.89%) in the last year from -65.86% to -19.17%, signaling increasing performance

Patriot National Bancorp, Inc.'s short-term liabilities of $965.79M exceed its short-term assets of $421.57M, signaling financial risk

Patriot National Bancorp, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

Patriot National Bancorp, Inc.'s return on equity of -13.51%, is lower than 15.00%, indicating bad performance

Patriot National Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Patriot National Bancorp, Inc. had positive net income in only 2 out of 5 years, indicating unstable earnings

Patriot National Bancorp, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

Patriot National Bancorp, Inc. has negative free cash flow, indicating cash burn

Patriot National Bancorp, Inc.'s yearly earnings has increased -68.13% since last year from $-39.88M to $-12.71M, signaling increasing performance

Patriot National Bancorp, Inc.'s yearly revenue has decreased 21.00% since last year from $60.56M to $47.84M, signaling decreasing performance

ROIC -9.05% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Patriot National Bancorp, Inc.'s 3-year revenue CAGR of 7.07% is positive, indicating growing revenue over the past 3 years

Patriot National Bancorp, Inc. had revenue growth in only 2 out of 5 years, indicating inconsistent revenue performance

Patriot National Bancorp, Inc. had positive ROE in only 2 out of 5 years, indicating inconsistent returns on equity

Patriot National Bancorp, Inc. has insufficient data to evaluate this check.

Patriot National Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Patriot National Bancorp, Inc. is overvalued relative to its fair value price of 0.82 based on EBITDA multiple model

Patriot National Bancorp, Inc. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

Patriot National Bancorp, Inc. is overvalued relative to its fair value price of -1.25 based on Earnings Fair Value model

Patriot National Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Patriot National Bancorp, Inc. has a price-to-book ratio of 1.00x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Patriot National Bancorp, Inc. has a price-to-sales ratio of 1.49x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue