Patriot National Bancorp Inc (PNBK) — Cash Flow Quality Index
Patriot National Bancorp Inc (PNBK) has a Cash Flow Quality Index of -39.39x as of June 2026. Operating cash flow of $-5.63 Million is below net income of $143.00K, suggesting accrual-heavy earnings not yet converted to cash. Explore PNBK operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Patriot National Bancorp Inc Cash Flow Quality Index (1996–2022)
Historical Cash Flow Quality Index for Patriot National Bancorp Inc across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Patriot National Bancorp Inc operating cash flow efficiency.
Annual Cash Flow Quality Index for Patriot National Bancorp Inc (1996–2022)
Year-by-year earnings quality comparison for Patriot National Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2022 | 1.14x | $7.04 Million | $6.16 Million | ▼ -23.4% |
| 2021 | 1.49x | $7.60 Million | $5.09 Million | ▼ -9.6% |
| 2018 | 1.65x | $5.27 Million | $3.20 Million | ▼ -6.2% |
| 2017 | 1.76x | $7.29 Million | $4.15 Million | ▼ -25.0% |
| 2016 | 2.34x | $4.53 Million | $1.93 Million | ▼ -11.4% |
| 2015 | 2.65x | $5.67 Million | $2.14 Million | ▲ +84.9% |
| 2014 | 1.43x | $22.48 Million | $15.71 Million | ▼ -13.7% |
| 2007 | 1.66x | $4.44 Million | $2.68 Million | ▼ -7.5% |
| 2006 | 1.79x | $4.33 Million | $2.42 Million | ▼ -19.1% |
| 2005 | 2.22x | $3.12 Million | $1.41 Million | ▼ -3.6% |
| 2004 | 2.30x | $2.13 Million | $926.40K | ▼ -2.4% |
| 2003 | 2.35x | $3.16 Million | $1.34 Million | ▲ +15.0% |
| 2002 | 2.05x | $2.15 Million | $1.05 Million | ▼ -16.1% |
| 2001 | 2.44x | $2.14 Million | $876.39K | ▲ +55.6% |
| 2000 | 1.57x | $1.20 Million | $767.17K | ▼ -40.3% |
| 1999 | 2.63x | $915.31K | $348.64K | ▲ +96.9% |
| 1998 | 1.33x | $800.00K | $600.00K | ▲ +0.0% |
| 1997 | 1.33x | $400.00K | $300.00K | ▼ -42.9% |
| 1996 | 2.33x | $700.00K | $300.00K | — |