Patriot National Bancorp (NASDAQ:PNBK – Get Free Report) and Chain Bridge Bancorp (NYSE:CBNA – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, valuation, dividends, institutional ownership, analyst recommendations, earnings and profitability.
Earnings and Valuation
This table compares Patriot National Bancorp and Chain Bridge Bancorp”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Patriot National Bancorp | $58.36 million | 2.12 | -$12.71 million | ($0.13) | -8.08 |
| Chain Bridge Bancorp | $59.32 million | 4.02 | $20.24 million | $3.31 | 10.97 |
Analyst Recommendations
This is a breakdown of recent ratings and target prices for Patriot National Bancorp and Chain Bridge Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Patriot National Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| Chain Bridge Bancorp | 1 | 3 | 0 | 1 | 2.20 |
Chain Bridge Bancorp has a consensus target price of $38.50, indicating a potential upside of 6.03%. Given Chain Bridge Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Chain Bridge Bancorp is more favorable than Patriot National Bancorp.
Risk & Volatility
Patriot National Bancorp has a beta of -0.66, suggesting that its stock price is 166% less volatile than the S&P 500. Comparatively, Chain Bridge Bancorp has a beta of 0.36, suggesting that its stock price is 64% less volatile than the S&P 500.
Institutional & Insider Ownership
39.3% of Patriot National Bancorp shares are held by institutional investors. 12.8% of Patriot National Bancorp shares are held by company insiders. Comparatively, 25.4% of Chain Bridge Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Profitability
This table compares Patriot National Bancorp and Chain Bridge Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Patriot National Bancorp | -19.14% | -13.71% | -1.13% |
| Chain Bridge Bancorp | 35.09% | 13.07% | 1.31% |
Summary
Chain Bridge Bancorp beats Patriot National Bancorp on 13 of the 14 factors compared between the two stocks.
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.
About Chain Bridge Bancorp
Chain Bridge Bancorp, Inc. operates as a Delaware-chartered bank holding company for Chain Bridge Bank, National Association that provides commercial and personal banking, and trust services in the United States. Its deposit products include non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts. The company’s loan portfolio comprises of residential and commercial real estate loans, commercial loans, and consumer loans. It also provides treasury management, payments, trusts and estate administration, wealth management, and asset custody services. The company was incorporated in 2006 and is headquartered in McLean, Virginia.
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