Patriot National Bancorp Inc. — Earnings Quality Grade B
PNBK · Financial Services
Generally healthy
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 60 days, change -10 days YoY
AR growth -11.3% vs revenue growth 4.1%
Revenue 4.1%, CFFO -628.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 212.7% is >2x revenue growth 4.1%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.11. Profits backed by cash
FCF is negative ($-0.0B)
Accruals ratio = 0.1%. Low accruals
Cash $0.2B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 0% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions negative for 2/3 years
Goodwill+Intangibles change -30% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Patriot National Bancorp Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25