Patriot National Bancorp (NASDAQ:PNBK – Get Free Report) and Meridian Bank (NASDAQ:MRBK – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their risk, earnings, institutional ownership, profitability, dividends, analyst recommendations and valuation.
Earnings & Valuation
This table compares Patriot National Bancorp and Meridian Bank”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Patriot National Bancorp | $60.72 million | 2.15 | -$39.88 million | ($9.45) | -0.14 |
| Meridian Bank | $197.37 million | 0.88 | $16.35 million | $1.77 | 8.67 |
Risk & Volatility
Patriot National Bancorp has a beta of -0.42, indicating that its share price is 142% less volatile than the S&P 500. Comparatively, Meridian Bank has a beta of 0.79, indicating that its share price is 21% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of recent ratings and target prices for Patriot National Bancorp and Meridian Bank, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Patriot National Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| Meridian Bank | 0 | 1 | 1 | 1 | 3.00 |
Meridian Bank has a consensus target price of $17.50, suggesting a potential upside of 14.08%. Given Meridian Bank’s stronger consensus rating and higher possible upside, analysts clearly believe Meridian Bank is more favorable than Patriot National Bancorp.
Profitability
This table compares Patriot National Bancorp and Meridian Bank’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Patriot National Bancorp | -76.35% | -132.38% | -4.57% |
| Meridian Bank | 9.86% | 11.61% | 0.82% |
Institutional and Insider Ownership
39.3% of Patriot National Bancorp shares are held by institutional investors. Comparatively, 58.6% of Meridian Bank shares are held by institutional investors. 11.0% of Patriot National Bancorp shares are held by insiders. Comparatively, 14.4% of Meridian Bank shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Summary
Meridian Bank beats Patriot National Bancorp on 14 of the 15 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 Meridian Bank
Meridian Corporation operates as the holding company for Meridian Bank that provides commercial banking products and services in Pennsylvania, New Jersey, Delaware, Florida, and Maryland. The company offers various deposit products, such as demand non-interest bearing, demand interest bearing, savings accounts, money market accounts, and time deposits. It also provides commercial and industrial loans comprising business lines of credit, term loans, small business lending, lease financing, shared national credits, and other financing; commercial real estate, and land development and construction loans for residential and commercial projects; and consumer and home equity lending, private banking, merchant, and title and land settlement services. In addition, the company operates and originates mortgage loans for 1-4 family dwellings; and offers real estate holding, investment advisory, and equipment leasing services, as well as financial planning and wealth management services. Meridian Corporation was incorporated in 2004 and is headquartered in Malvern, Pennsylvania.
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