NB Bancorp (NASDAQ:NBBK) & Patriot National Bancorp (NASDAQ:PNBK) Head-To-Head Survey

Patriot National Bancorp (NASDAQ:PNBK) and NB Bancorp (NASDAQ:NBBK) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, valuation, analyst recommendations and dividends.

Institutional and Insider Ownership

39.3% of Patriot National Bancorp shares are owned by institutional investors. 11.0% of Patriot National Bancorp shares are owned by company insiders. Comparatively, 1.9% of NB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Volatility & Risk

Patriot National Bancorp has a beta of -0.63, suggesting that its share price is 163% less volatile than the S&P 500. Comparatively, NB Bancorp has a beta of 0.32, suggesting that its share price is 68% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Patriot National Bancorp	-35.17%	-37.63%	-2.08%
NB Bancorp	17.59%	7.79%	1.10%

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Patriot National Bancorp and NB Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Patriot National Bancorp	1	0	0	0	1.00
NB Bancorp	0	2	1	1	2.75

NB Bancorp has a consensus target price of $23.00, indicating a potential upside of 11.65%. Given NB Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe NB Bancorp is more favorable than Patriot National Bancorp.

Earnings & Valuation

This table compares Patriot National Bancorp and NB Bancorp”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	3.35	-$39.88 million	($2.70)	-0.66
NB Bancorp	$304.05 million	2.70	$42.15 million	$1.55	13.29

NB Bancorp has higher revenue and earnings than Patriot National Bancorp. Patriot National Bancorp is trading at a lower price-to-earnings ratio than NB Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

NB Bancorp beats Patriot National Bancorp on 12 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 NB Bancorp

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.