Head-To-Head Analysis: WCF Bancorp (OTCMKTS:WCFB) vs. Patriot National Bancorp (NASDAQ:PNBK)

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

Volatility and Risk

WCF Bancorp has a beta of 0.06, meaning that its stock price is 94% less volatile than the S&P 500. Comparatively, Patriot National Bancorp has a beta of -0.66, meaning that its stock price is 166% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings for WCF Bancorp and Patriot National Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
WCF Bancorp	0	0	0	0	0.00
Patriot National Bancorp	1	0	0	0	1.00

Earnings & Valuation

This table compares WCF Bancorp and Patriot National Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
WCF Bancorp	$12.05 million	0.93	-$2.28 million	N/A	N/A
Patriot National Bancorp	$58.36 million	2.16	-$12.71 million	($0.13)	-8.23

WCF Bancorp has higher earnings, but lower revenue than Patriot National Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
WCF Bancorp	N/A	N/A	N/A
Patriot National Bancorp	-19.14%	-13.71%	-1.13%

Insider & Institutional Ownership

39.3% of Patriot National Bancorp shares are held by institutional investors. 0.8% of WCF Bancorp shares are held by insiders. Comparatively, 12.8% of Patriot National Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

About WCF Bancorp

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, and Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.

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.