Patriot National Bancorp Inc Credit Rating

BOSTON (AI Credit Rating Terminal) Sat Aug 01 2020 11:49:03 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We downgraded Patriot National Bancorp Inc because of vulnerability of the two metrics to changes in operating conditions. We use econometric methods for period (n+30) simulate with Opto-Electronic Oscillators Lasso Regression. Reference code is: 4592. Beta DRL value REG 31 Rational Demand Factor LD 4359.9024. Our liquidity uses include dividends and share repurchases that we expect under a stress scenario. Unlike other potential uses of liquidity, such as debt maturities or maintenance capital spending, we view dividends and share repurchases as more discretionary, although more so for the latter. For this reason, when evaluating a company's liquidity position, we may use a lower estimate of dividends and shareholder repurchases than in our base-case forecast based on our views of management and the company's track record in terms of shareholder returns and maintaining a certain minimum level of liquidity. Credit Rating AI Process rely on primary sources of information: Sec Filings, Financial Statements, Credit Ratings, Semantic Signals. Take a look at Machine Learning section for Financial Deep Reinforcement Learning.Oscillators are used for generating credit risk signals by using the semantic and financial signals. The value of the oscillators indicate the strength of trend. Using the correlation matrices, the credit rating risk map for Patriot National Bancorp Inc as below:

Credit Ratings for Patriot National Bancorp Inc as of 01 Aug 2020


Credit Rating Short-Term Long-Term Senior
AI Rating Class*B3Ba3
Semantic Signals3888
Financial Signals3675
Risk Signals8952
Substantial Risks5035
Speculative Signals3558

*Machine Learning utilizes multiple learning algorithms to obtain better predictive powers. In our research, we utilize machine learning to combine the results from the Neural Network and Support Vector Machines.
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