Patriot National Bancorp (PNBK) Cash Flow: Operating & Free Cash Flow

Patriot National Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Patriot National Bancorp, Inc. (PNBK) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Mar 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	-12.71	-39.88	-4.18	6.16	5.09	-3.82	-3.82	-2.82	3.20	4.15
Depreciation & Amortization	1.19	1.35	1.35	1.47	1.64	1.60	-	1.69	1.54	1.27
Deferred Income Tax	0.06	23.82	-4.21	1.49	-0.26	-0.32	-	-1.14	-0.27	2.26
Stock Based Compensation	5.23	0.18	0.11	0.09	0.15	0.16	-	0.21	0.22	0.15
Change in Working Capital	1.35	0.51	1.30	-4.41	1.83	-5.08	-	-0.77	-1.04	-0.49
Change in Accounts Receivable	0.62	1.73	0.05	-1.45	0.80	-3.02	-	0.16	-0.27	-0.77
Change in Other Working Capital	0.73	-1.12	1.25	-0.88	-0.20	-2.06	-	-0.93	-0.77	0.28
Other Operating Activities	-9.29	24.19	-5.08	4.20	-0.20	13.74	-	-9.10	1.63	-0.04
Net Cash from Operating Activities	-14.17	2.68	-10.72	7.04	7.60	6.28	6.28	-11.92	5.27	7.29
Investing Activities
Capital Expenditures	-0.17	-0.06	-0.41	-0.41	-0.43	-0.07	-0.07	-0.55	-1.14	-3.06
Acquisitions	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00	-5.07	0.00
Purchases of Investments	-145.19	-2.32	-10.42	-19.33	-136.14	-11.25	-	-18.07	-19.44	-21.48
Sales/Maturities of Investments	8.85	11.95	6.10	10.32	89.36	9.88	-	10.91	39.81	19.29
Other Investing Activities	115.99	125.43	-22.45	-112.63	1.91	84.36	-	-34.06	-41.04	-135.60
Net Cash from Investing Activities	-20.52	135.01	-27.18	-122.05	-55.21	82.92	82.92	-41.78	-26.88	-140.85
Financing Activities
Debt Repayment	-6.05	-30.21	85.79	-12.21	-0.20	-10.20	-	-0.20	-20.28	-18.19
Common Stock Issued	85.57	0.00	0.00	0.00	0.00	0.00	-	0.00	0.00	0.00
Common Stock Repurchased	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00	0.00	0.00
Dividends Paid	0.00	0.00	0.00	0.00	0.00	0.00	-	-0.16	-0.15	-0.08
Other Financing Activities	-0.31	0.31	-19.86	-0.22	-2.69	-83.77	-	27.01	59.76	108.27
Net Cash from Financing Activities	79.21	-41.62	65.93	106.46	60.02	-93.97	-93.97	26.66	39.32	90.00
Summary
Net Change in Cash	44.52	96.07	28.04	-8.55	12.41	-4.77	-4.77	-27.03	17.71	-43.56
Cash at Beginning of Period	162.61	66.54	38.49	47.05	34.64	39.40	-	66.44	48.73	92.29
Cash at End of Period	207.13	162.61	66.54	38.49	47.05	34.64	-	39.40	66.44	48.73
Free Cash Flow	-14.34	2.63	-11.13	6.62	7.17	6.21	6.21	-12.47	4.13	4.23
Supplemental Disclosures
Interest Paid	-	31.92	29.63	10.47	7.21	-	15.04	-	-	-
Income Taxes Paid	-	0.07	3.54	0.10	0.14	-	-0.66	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Patriot National Bancorp Cash Flow

What is Patriot National Bancorp's free cash flow?

Patriot National Bancorp had negative free cash flow of $14.34M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of −$14.17M minus $172.00K of capital expenditures.

How much does Patriot National Bancorp spend on capital expenditures?

Patriot National Bancorp spent $172.00K on capital expenditures in fiscal 2025, compared with $55.00K a year earlier.

Does Patriot National Bancorp pay dividends or buy back shares?

Patriot National Bancorp's cash flow statement for fiscal 2025 shows no dividend payments or share repurchases.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition