Oversold

PNBK

Same as last week
Valuation50/ 100
Cash flow & growth72/ 100
Upside potential43/ 100
Risk potential68/ 100

PNBK's valuation appears fair while fundamentals provide solid support and an expected return to profit offers recovery potential, though analyst coverage is limited.

Valuation

Valuation stays neutral because earnings are difficult to compare across periods. Business trends, outlook and financial risk still contribute to the overall score.

Cash flow & growth

Business trends are strong. Over the past year: revenue +15.9%, operating margin +25.4 percentage points. The business score is 72.4/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Business trends and outlook support upside. Price history provides the reference because earnings are difficult to compare.

The calculation starts with the stock’s typical weekly price movements, adjusted for business performance and outlook. Unusually large jumps have less influence. The result is 51% upside, or about $1.68.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Historical price swings are the main risk driver, even without a sharp profit decline.

The stock’s historical price swings drive this figure. Price history and operating stress provide the reference because comparable earnings do not support a future PE target. Operating stress reflects revenue, earnings, margins, outlook and relevant debt exposure. The larger stress gives 68.1% downside, or about $0.35, with a 15% minimum.

This is a scenario based on our model, not a forecast or probability.

PNBK vs Historical averages

MetricCurrentAverageRelative
PE7.9x21x62% lower
PE percentile355030% lower
EPS-$0.08-$1.58$1.50 higher
FCF-$17.9M$379.5K4,823% lower
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PNBK’s fundamentals are mixed relative to their historical averages, while its earnings multiple is lower.

PNBK Forward outlook

MetricOutlook
Forward valuation--
Forward earningsTurning positive
Forward revenueStrong decline
Forward profitability--
Analyst coverageLimited
Estimate dispersionTight

PNBK’s available outlook is mixed, with declining sales expectations a concern.

PNBK PE Valuation

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This table applies PNBK's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

PNBK Earnings Per Share

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This chart tracks PNBK's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

PNBK Quarterly Revenue

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This chart tracks PNBK's quarterly revenue over time and shows how sales are changing from year to year.

PNBK Free Cash Flow

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This chart tracks PNBK's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

PNBK Total Shares

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This chart tracks changes in PNBK's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

PNBK Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

PNBK PE vs Financial Services Sector

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This chart compares PNBK's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

PNBK Weekly Price

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This chart uses PNBK's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

PNBK Weekly Moving Averages

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This chart compares PNBK's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

PNBK Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.