Patriot National Bancorp, Inc. (PNBK)

Patriot National Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-11.69	-12.71	-39.88	-4.18	6.16	5.09
Depreciation & Amortization	1.13	1.19	1.35	1.35	1.47	1.64
Provision for Credit Losses	0.59	1.51	12.46	7.43	1.89	-0.5
Stock-Based Compensation	7.33	5.23	0.18	0.11	0.09	0.15
Net Change in Loans Held-for-Sale	0.03	-10.55	3.88	-15.56	-2.36	-2.19
Other Adjustments	-1.33	-0.18	24.19	-1.17	4.2	1.58
Changes in Accrued Interest and Accounts Receivable	-1.23	0.62	1.73	0.05	-1.45	0.8
Changes in Accrued Expenses	-1.08	-0.08	-0.1	-0.5	-2.09	3.16
Changes in Other Operating Activities	-5.01	0.81	-1.12	1.75	-0.88	-2.12
Operating Cash Flow	-11.27	-14.17	2.68	-10.72	7.04	7.6
Operating Cash Flow Growth	-	-	-	-	-7.37%	20.94%
Net Change in Loans Held-for-Investment	-79.68	114.7	121.28	-22.66	-113.16	-11.63
Net Change in Securities and Investments	-162.45	-137.82	13.77	-4.1	-8.48	-46.52
Capital Expenditures	-0.65	-0.17	-0.06	-0.41	-0.41	-0.43
Sale of Property, Plant & Equipment	0	0	0.01	-	-	1.46
Other Investing Activities	-	2.77	-	-	-	1.91
Investing Cash Flow	-240.95	-20.52	135.01	-27.18	-122.05	-55.21
Net Change in Deposits	185.99	-0.81	126.29	-20.14	111.88	62.91
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	8.5	-3	-138	86	-5	-
Long-Term Debt Issued	-	-	-	-	12	-
Long-Term Debt Repaid	0.05	-3.05	-30.21	-0.21	-12.21	-0.2
Net Long-Term Debt Issued (Repaid)	0.05	-3.05	-30.21	-0.21	-0.21	-0.2
Issuance of Common Stock	40.27	85.57	-	-	-	-
Repurchase of Common Stock	-2.78	-	-	-	-	-
Net Common Stock Issued (Repurchased)	37.49	85.57	-	-	-	-
Issuance of Preferred Stock	0.35	5.45	-	-	-	-
Net Preferred Stock Issued (Repurchased)	0.35	5.45	-	-	-	-
Other Financing Activities	-1.9	-4.95	0.31	0.28	-0.22	-2.69
Financing Cash Flow	225.22	79.21	-41.62	65.93	106.46	60.02
Net Cash Flow	-27.01	44.52	96.07	28.04	-8.55	12.41
Free Cash Flow	-11.92	-14.34	2.63	-11.13	6.62	7.17
Free Cash Flow Growth	-	-	-	-	-7.59%	15.38%
FCF Margin	-36.47%	-51.00%	16.44%	-41.10%	18.93%	23.74%
Free Cash Flow Per Share	-0.12	-0.19	0.66	-2.81	1.67	1.81
Levered Free Cash Flow	-18.47	-13.39	-68.29	-2.15	2.6	7.93
Unlevered Free Cash Flow	-6.83	2.36	1.8	2.24	-3.35	3.04

Updated May 15, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q