Estados financieros detallados de Patriot National Bancorp, Inc. (PNBK): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Patriot National Bancorp, Inc. registró ingresos de $58.2M en el último ejercicio fiscal, con un CAGR de 5 años del 7.9%.
Márgenes de los últimos 12 meses: margen bruto 58.8%, margen operativo -8.7%, margen neto -9.8%.
Al precio actual de $0.92, PNBK presenta beneficios negativos (P/E no significativo) y un ROE del -7.10%. La capitalización bursátil es de $108M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ingresos | $26.9M | $34.2M | $41.9M | $46.0M | $39.7M | $36.6M | $47.4M | $64.7M | $60.6M | $58.2M |
| Coste de Ventas | $5.5M | $6.1M | $13.7M | $23.2M | $15.9M | $6.6M | $12.6M | $37.9M | $44.7M | $30.2M |
| Beneficio Bruto | $21.4M | $28.1M | $28.2M | $22.8M | $23.8M | $30.1M | $34.7M | $26.8M | $15.8M | $27.9M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $11.0M | $12.6M | $13.4M | $15.7M | $15.1M | $11.6M | $16.0M | $18.1M | $18.6M | $23.0M |
| Gastos Operativos | $18.3M | $21.1M | $24.1M | $26.5M | $27.9M | $25.0M | $27.0M | $32.5M | $31.9M | $40.6M |
| Beneficio Operativo | $3.1M | $7.0M | $4.1M | -$3.7M | -$4.2M | $5.0M | $7.8M | -$5.6M | -$16.1M | -$12.7M |
| EBITDA | $4.3M | $8.3M | $5.6M | -$2.0M | -$2.6M | $6.6M | $9.2M | -$4.3M | -$14.7M | -$11.5M |
| Gastos por Intereses | $3.0M | $7.0M | $12.4M | $18.2M | $13.8M | $7.1M | $10.8M | $30.5M | $32.3M | $28.7M |
| Beneficio Antes de Impuestos | $3.1M | $7.0M | $4.1M | -$3.7M | -$4.2M | $5.0M | $7.8M | -$5.6M | -$16.1M | -$12.7M |
| Impuestos | $1.2M | $2.9M | $890000 | -$899000 | -$337000 | -$81000 | $1.6M | -$1.5M | $23.8M | $59000 |
| Beneficio Neto | $1.9M | $4.1M | $3.2M | -$2.8M | -$3.8M | $5.1M | $6.2M | -$4.2M | -$39.9M | -$12.7M |
| BPA | $0.49 | $1.06 | $0.78 | $-0.72 | $-0.97 | $1.29 | $1.56 | $-1.05 | $-10.01 | $-0.16 |
| BPA Diluido | $0.49 | $1.06 | $0.78 | $-0.72 | $-0.97 | $1.29 | $1.56 | $-1.05 | $-10.01 | $-0.16 |
| Acciones en Circulación (Diluidas) | $4.0M | $3.9M | $3.9M | $3.9M | $3.9M | $4.0M | $4.0M | $4.0M | $4.0M | $78.1M |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caja y Equivalentes | $92.3M | $48.7M | $66.4M | $39.4M | $34.6M | $47.0M | $38.5M | $52.5M | $147.6M | $186.4M |
| Inversiones a Corto | $24.4M | $25.6M | $39.5M | $48.3M | $49.3M | $94.3M | $84.5M | $20.7M | $19.8M | $209.6M |
| Cuentas por Cobrar | $2.7M | $3.5M | $3.8M | $3.6M | $6.6M | $5.8M | $7.3M | $7.2M | $5.5M | $4.9M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $119.4M | $77.8M | $109.7M | $91.3M | $90.5M | $147.2M | $130.3M | $80.4M | $172.8M | $421.6M |
| Inmovilizado Material | $32.8M | $35.4M | $35.4M | $34.6M | $33.4M | $31.5M | $30.6M | $29.9M | $28.9M | $28.1M |
| Fondo de Comercio | 0 | 0 | $1.7M | $1.1M | $1.1M | $1.1M | $1.1M | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | $698000 | $623000 | $343000 | $296000 | $249000 | $203000 | $156000 | $109000 |
| Activos Totales | $756.7M | $852.1M | $951.7M | $979.8M | $880.7M | $948.5M | $1.04B | $1.09B | $1.01B | $1.09B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $531.9M | $641.1M | $748.4M | $778.3M | $692.9M | $759.3M | $867.7M | $840.3M | $966.6M | $965.8M |
| Deuda a Largo | $159.5M | $141.4M | $131.0M | $130.9M | $120.8M | $120.7M | $115.2M | $201.1M | $33.1M | $16.4M |
| Pasivos Totales | $694.1M | $785.3M | $882.4M | $912.8M | $817.5M | $881.1M | $983.8M | $1.05B | $1.01B | $993.2M |
| Reservas | -$42.9M | -$38.8M | -$35.8M | -$38.8M | -$42.6M | -$37.5M | -$31.3M | -$47.0M | -$86.9M | -$99.6M |
| Patrimonio Neto | $62.6M | $66.7M | $69.3M | $67.0M | $63.2M | $67.3M | $59.6M | $44.4M | $4.3M | $94.7M |
| Deuda Total | $159.5M | $141.4M | $131.0M | $130.9M | $120.8M | $120.7M | $115.2M | $201.1M | $33.1M | $16.4M |
| Deuda Neta | $42.8M | $67.1M | $25.1M | $43.2M | $36.9M | -$20.7M | -$7.8M | $127.9M | -$134.3M | -$379.5M |
| Capital Circulante | -$412.5M | -$563.3M | -$638.7M | -$686.9M | -$602.4M | -$612.1M | -$737.4M | -$759.9M | -$793.7M | -$544.2M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Beneficio Neto | $1.9M | $4.1M | $3.2M | -$2.8M | -$3.8M | $5.1M | $6.2M | -$4.2M | -$39.9M | -$12.7M |
| Amortizaciones | $1.2M | $1.3M | $1.5M | $1.7M | $1.6M | $1.6M | $1.5M | $1.4M | $1.4M | $1.2M |
| Compensación en Acciones | $161000 | $146000 | $220000 | $214000 | $159000 | $150000 | $86000 | $105000 | $184000 | $5.2M |
| Cambio en Capital Circulante | -$2.7M | -$494000 | -$1.0M | -$766000 | -$5.1M | $1.8M | -$4.4M | $1.3M | $505000 | $1.3M |
| Flujo de Caja Operativo | $4.5M | $7.3M | $5.3M | -$11.9M | $6.3M | $7.6M | $7.0M | -$10.7M | $2.7M | -$14.2M |
| Inversiones (CapEx) | -$3.5M | -$3.1M | -$1.1M | -$552000 | -$70000 | -$430000 | -$414000 | -$412000 | -$55000 | -$172000 |
| Adquisiciones | 0 | 0 | -$5.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | -$1.0M | -$2000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividendos Pagados | 0 | -$77000 | -$154000 | -$155000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | $996000 | $4.2M | $4.1M | -$12.5M | $6.2M | $7.2M | $6.6M | -$11.1M | $2.6M | -$14.3M |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crecimiento Ingresos (anual) | +27.2% | +22.4% | +9.7% | -13.6% | -7.7% | +29.3% | +36.6% | -6.4% | -4.0% | |
| Crecimiento Beneficio Neto (anual) | +114.9% | -22.9% | -188.1% | -35.6% | +233.4% | +20.9% | -167.8% | -854.3% | +68.1% | |
| Crecimiento BPA (anual) | +116.3% | -26.4% | -192.3% | -34.7% | +233.0% | +20.9% | -167.3% | -853.3% | +98.4% | |
| Cambio en Acciones (anual) | -1.0% | +0.1% | +0.2% | +0.3% | +0.4% | +0.3% | +0.1% | +0.5% | +1860.9% | |
| Crecimiento FCF (anual) | +324.7% | -2.4% | -401.9% | +149.8% | +15.4% | -7.6% | -268.0% | +123.6% | -645.7% | |
| Margen Bruto | 79.7% | 82.2% | 67.4% | 49.6% | 59.9% | 82.0% | 73.3% | 41.4% | 26.1% | 48.0% |
| Margen Operativo | 11.7% | 20.5% | 9.7% | -8.1% | -10.5% | 13.7% | 16.4% | -8.7% | -26.6% | -21.8% |
| Margen EBITDA | 16.2% | 24.2% | 13.4% | -4.4% | -6.4% | 18.1% | 19.5% | -6.6% | -24.3% | -19.7% |
| Margen Neto | 7.2% | 12.1% | 7.6% | -6.1% | -9.6% | 13.9% | 13.0% | -6.5% | -65.9% | -21.9% |
| Margen FCF | 3.7% | 12.4% | 9.9% | -27.1% | 15.6% | 19.6% | 14.0% | -17.2% | 4.3% | -24.7% |
| Tasa Impositiva Efectiva | 38.5% | 40.9% | 21.8% | 24.2% | 8.1% | -1.6% | 20.6% | 25.8% | -147.8% | -0.5% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Acción | $0.25 | $1.08 | $1.05 | $-3.18 | $1.58 | $1.81 | $1.67 | $-2.81 | $0.66 | $-0.18 |
| Dividendo por Acción | $0.00 | $0.02 | $0.04 | $0.04 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Acciones en Circulación (Básicas) | $4.0M | $3.9M | $3.9M | $3.9M | $3.9M | $3.9M | $3.9M | $4.0M | $4.0M | $78.1M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | -7.10% |
| Rentabilidad sobre capital invertido | -0.42% |
| Rentabilidad sobre activos | -0.50% |
| Margen bruto | 58.79% |
| Margen operativo | -8.72% |
| Margen neto | -9.77% |
Salud financiera
| Deuda / Patrimonio | 0.19 |
| Ratio corriente | 0.00 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E | 28.67 | 16.84 | 18.27 | -17.72 | -10.25 | 12.05 | 6.79 | -3.65 | -0.19 | -11.38 |
| P/VC | 0.89 | 1.04 | 0.80 | 0.75 | 0.62 | 0.91 | 0.70 | 0.34 | 1.81 | 1.50 |
| P/V | 2.06 | 2.03 | 1.33 | 1.09 | 0.99 | 1.67 | 0.88 | 0.23 | 0.13 | 2.44 |
| Margen Bruto | 79.7% | 82.2% | 67.4% | 49.6% | 59.9% | 82.0% | 73.3% | 41.4% | 26.1% | 48.0% |
| Margen Operativo | 11.7% | 20.5% | 9.7% | -8.1% | -10.5% | 13.7% | 16.4% | -8.7% | -26.6% | -21.8% |
| Margen Neto | 7.2% | 12.1% | 7.6% | -6.1% | -9.6% | 13.9% | 13.0% | -6.5% | -65.9% | -21.9% |
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Explorar sector: Financial Services · Banks - Regional
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