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Side-by-side financial comparison of PATRIOT NATIONAL BANCORP INC (PNBK) and Xos, Inc. (XOS). Click either name above to swap in a different company.
PATRIOT NATIONAL BANCORP INC is the larger business by last-quarter revenue ($9.5M vs $5.2M, roughly 1.8× Xos, Inc.). On growth, PATRIOT NATIONAL BANCORP INC posted the faster year-over-year revenue change (44.3% vs -54.5%). Over the past eight quarters, PATRIOT NATIONAL BANCORP INC's revenue compounded faster (11.5% CAGR vs -35.7%).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
Xos, Inc. is an American manufacturer of commercial electric vehicles (EVs) and mobile EV chargers.
PNBK vs XOS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $9.5M | $5.2M |
| Net Profit | — | $-9.8M |
| Gross Margin | — | -50.5% |
| Operating Margin | -36.3% | -186.6% |
| Net Margin | — | -186.8% |
| Revenue YoY | 44.3% | -54.5% |
| Net Profit YoY | — | 48.6% |
| EPS (diluted) | $0.13 | $-0.76 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $9.5M | $5.2M | ||
| Q3 25 | $7.2M | $16.5M | ||
| Q2 25 | $6.2M | $18.4M | ||
| Q1 25 | $6.7M | $5.9M | ||
| Q4 24 | $6.6M | $11.5M | ||
| Q3 24 | $7.1M | $15.8M | ||
| Q2 24 | $7.1M | $15.5M | ||
| Q1 24 | $7.7M | $12.6M |
| Q4 25 | — | $-9.8M | ||
| Q3 25 | $-2.7M | $2.1M | ||
| Q2 25 | $-5.0M | $-7.5M | ||
| Q1 25 | $-2.8M | $-10.2M | ||
| Q4 24 | — | $-19.0M | ||
| Q3 24 | $-27.0M | $-10.5M | ||
| Q2 24 | $-3.1M | $-9.7M | ||
| Q1 24 | $-299.0K | $-11.0M |
| Q4 25 | — | -50.5% | ||
| Q3 25 | — | 15.3% | ||
| Q2 25 | — | 8.8% | ||
| Q1 25 | — | 20.6% | ||
| Q4 24 | — | -32.4% | ||
| Q3 24 | — | 18.1% | ||
| Q2 24 | — | 13.1% | ||
| Q1 24 | — | 22.1% |
| Q4 25 | -36.3% | -186.6% | ||
| Q3 25 | -36.9% | -42.4% | ||
| Q2 25 | -81.2% | -38.5% | ||
| Q1 25 | -41.5% | -157.7% | ||
| Q4 24 | -205.4% | -127.0% | ||
| Q3 24 | -32.4% | -61.4% | ||
| Q2 24 | -56.5% | -73.2% | ||
| Q1 24 | -3.0% | -81.1% |
| Q4 25 | — | -186.8% | ||
| Q3 25 | -36.8% | 12.9% | ||
| Q2 25 | -80.4% | -40.8% | ||
| Q1 25 | -41.6% | -173.3% | ||
| Q4 24 | — | -165.4% | ||
| Q3 24 | -378.9% | -66.6% | ||
| Q2 24 | -43.5% | -62.2% | ||
| Q1 24 | -3.9% | -87.1% |
| Q4 25 | $0.13 | $-0.76 | ||
| Q3 25 | $-0.03 | $0.22 | ||
| Q2 25 | $-0.06 | $-0.91 | ||
| Q1 25 | $-0.21 | $-1.26 | ||
| Q4 24 | $-2.40 | $-2.34 | ||
| Q3 24 | $-6.78 | $-1.32 | ||
| Q2 24 | $-0.77 | $-1.23 | ||
| Q1 24 | $-0.08 | $-1.80 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $14.0M |
| Total DebtLower is stronger | $16.4M | — |
| Stockholders' EquityBook value | $94.7M | $23.3M |
| Total Assets | $1.1B | $60.4M |
| Debt / EquityLower = less leverage | 0.17× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $14.0M | ||
| Q3 25 | — | $14.1M | ||
| Q2 25 | — | $8.8M | ||
| Q1 25 | — | $4.8M | ||
| Q4 24 | — | $11.0M | ||
| Q3 24 | — | $8.4M | ||
| Q2 24 | — | $19.7M | ||
| Q1 24 | — | $46.2M |
| Q4 25 | $16.4M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $33.1M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $94.7M | $23.3M | ||
| Q3 25 | $95.0M | $31.1M | ||
| Q2 25 | $66.2M | $18.3M | ||
| Q1 25 | $57.1M | $24.8M | ||
| Q4 24 | $4.3M | $33.6M | ||
| Q3 24 | $16.4M | $50.8M | ||
| Q2 24 | $40.5M | $59.2M | ||
| Q1 24 | $43.6M | $67.8M |
| Q4 25 | $1.1B | $60.4M | ||
| Q3 25 | $950.8M | $73.8M | ||
| Q2 25 | $930.0M | $80.3M | ||
| Q1 25 | $956.6M | $87.7M | ||
| Q4 24 | $1.0B | $98.3M | ||
| Q3 24 | $974.1M | $120.5M | ||
| Q2 24 | $1.0B | $123.4M | ||
| Q1 24 | $1.1B | $135.0M |
| Q4 25 | 0.17× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 7.76× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-14.2M | $2.4M |
| Free Cash FlowOCF − Capex | $-14.3M | — |
| FCF MarginFCF / Revenue | -150.8% | — |
| Capex IntensityCapex / Revenue | 1.8% | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-24.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-14.2M | $2.4M | ||
| Q3 25 | $-5.2M | $3.1M | ||
| Q2 25 | $921.0K | $4.6M | ||
| Q1 25 | $-5.8M | $-4.8M | ||
| Q4 24 | $2.7M | $3.3M | ||
| Q3 24 | $-2.6M | $-11.5M | ||
| Q2 24 | $6.0M | $-26.0M | ||
| Q1 24 | $1.8M | $-14.6M |
| Q4 25 | $-14.3M | — | ||
| Q3 25 | $-5.3M | — | ||
| Q2 25 | $918.0K | — | ||
| Q1 25 | $-5.9M | — | ||
| Q4 24 | $2.6M | — | ||
| Q3 24 | $-2.7M | $-11.7M | ||
| Q2 24 | $6.0M | $-26.1M | ||
| Q1 24 | $1.8M | $-14.6M |
| Q4 25 | -150.8% | — | ||
| Q3 25 | -72.8% | — | ||
| Q2 25 | 14.8% | — | ||
| Q1 25 | -88.0% | — | ||
| Q4 24 | 39.9% | — | ||
| Q3 24 | -37.3% | -73.9% | ||
| Q2 24 | 84.6% | -168.1% | ||
| Q1 24 | 23.0% | -115.7% |
| Q4 25 | 1.8% | 0.0% | ||
| Q3 25 | 0.3% | 0.0% | ||
| Q2 25 | 0.0% | 0.0% | ||
| Q1 25 | 1.0% | 0.0% | ||
| Q4 24 | 0.8% | 0.0% | ||
| Q3 24 | 0.9% | 0.9% | ||
| Q2 24 | 0.7% | 0.8% | ||
| Q1 24 | 0.5% | 0.2% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.45× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
