Head to Head Contrast: University Bancorp (OTCMKTS:UNIB) versus Patriot National Bancorp (NASDAQ:PNBK)

Dividends

University Bancorp pays an annual dividend of $0.30 per share and has a dividend yield of 1.8%. Patriot National Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 3.1%. Patriot National Bancorp pays out -0.4% of its earnings in the form of a dividend.

Institutional and Insider Ownership

39.3% of Patriot National Bancorp shares are held by institutional investors. 63.7% of University Bancorp shares are held by insiders. Comparatively, 11.0% of Patriot National Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares University Bancorp and Patriot National Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
University Bancorp	$125.26 million	0.67	$10.47 million	N/A	N/A
Patriot National Bancorp	$26.38 million	4.72	-$39.88 million	($9.45)	-0.14

University Bancorp has higher revenue and earnings than Patriot National Bancorp.

Risk and Volatility

University Bancorp has a beta of 0.15, suggesting that its stock price is 85% less volatile than the S&P 500. Comparatively, Patriot National Bancorp has a beta of -0.46, suggesting that its stock price is 146% less volatile than the S&P 500.

Profitability

This table compares University Bancorp and Patriot National Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
University Bancorp	N/A	N/A	N/A
Patriot National Bancorp	-76.35%	-132.38%	-4.57%

Summary

University Bancorp beats Patriot National Bancorp on 7 of the 11 factors compared between the two stocks.

About University Bancorp

University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificates of deposit accounts. The company's consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; SBA, commercial real estate, equipment, home improvement, and other instalment loans; and non-profit loans, as well as working capital lines of credit. In addition, the company provides foreign currency exchange; reverse mortgage; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, it offers life, health, property, and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.

About Patriot National Bancorp

Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, time certificates of deposit, savings, prepaid deposit, on-line national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, small business administration, construction, purchased residential real estate, and various consumer loans. The company also offers automated clearing house transfers, lockbox, internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. Patriot National Bancorp, Inc. was founded in 1994 and is headquartered in Stamford, Connecticut.