Patriot National Bancorp (PNBK) vs. Fifth Third Bancorp (FITB) Financial Survey
Patriot National Bancorp (NASDAQ: PNBK) and Fifth Third Bancorp (NASDAQ:FITB) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, dividends, valuation, institutional ownership, profitability and analyst recommendations.
Insider and Institutional Ownership
2.5% of Patriot National Bancorp shares are held by institutional investors. Comparatively, 84.0% of Fifth Third Bancorp shares are held by institutional investors. 78.6% of Patriot National Bancorp shares are held by insiders. Comparatively, 0.4% of Fifth Third Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
This is a summary of current ratings and target prices for Patriot National Bancorp and Fifth Third Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Patriot National Bancorp||0||0||0||0||N/A|
|Fifth Third Bancorp||3||17||2||0||1.95|
Fifth Third Bancorp has a consensus price target of $28.64, suggesting a potential downside of 3.49%. Given Fifth Third Bancorp’s higher probable upside, analysts plainly believe Fifth Third Bancorp is more favorable than Patriot National Bancorp.
Valuation and Earnings
This table compares Patriot National Bancorp and Fifth Third Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Patriot National Bancorp||$26.96 million||2.61||$1.93 million||$1.18||15.30|
|Fifth Third Bancorp||$6.89 billion||3.04||$1.56 billion||$2.65||11.20|
Fifth Third Bancorp has higher revenue and earnings than Patriot National Bancorp. Fifth Third Bancorp is trading at a lower price-to-earnings ratio than Patriot National Bancorp, indicating that it is currently the more affordable of the two stocks.
This table compares Patriot National Bancorp and Fifth Third Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Patriot National Bancorp||14.33%||7.10%||0.59%|
|Fifth Third Bancorp||25.81%||9.58%||1.02%|
Volatility and Risk
Patriot National Bancorp has a beta of 0.21, meaning that its stock price is 79% less volatile than the S&P 500. Comparatively, Fifth Third Bancorp has a beta of 1.35, meaning that its stock price is 35% more volatile than the S&P 500.
Patriot National Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.2%. Fifth Third Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 2.2%. Patriot National Bancorp pays out 3.4% of its earnings in the form of a dividend. Fifth Third Bancorp pays out 24.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Fifth Third Bancorp beats Patriot National Bancorp on 13 of the 15 factors compared between the two stocks.
Patriot National Bancorp Company Profile
Patriot National Bancorp, Inc. is a one-bank holding company for Patriot Bank, N.A. (the Bank), a national banking association. The Bank offers consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal (NOW) account, money market, time certificates of deposit, savings, Certificate of Deposit Account Registry Service (CDARS), individual retirement accounts (IRAs) and health savings accounts (HSAs). The Bank’s other services include automated clearing house (ACH) transfers, lockbox, Internet banking, bill paying, remote deposit capture, debit cards, money orders, traveler’s checks and automated teller machines (ATMs). The Bank offers commercial real estate loans, commercial business loans and various consumer loans to individuals, small and medium-sized businesses, and professionals. Its commercial and industrial loan portfolio consists of commercial business loans and lines of credit to businesses and professionals.
Fifth Third Bancorp Company Profile
Fifth Third Bancorp is a bank holding company and a financial holding company. The Company conducts its principal lending, deposit gathering, transaction processing and service advisory activities through its banking and non-banking subsidiaries from banking centers located throughout the Midwestern and Southeastern regions of the United States. It operates through four segments: Commercial Banking, Branch Banking, Consumer Lending, and Wealth and Asset Management. It diversifies its loan and lease portfolio by offering a range of loan and lease products with various payment terms and rate structures. It offers commercial and industrial loans, commercial mortgage loans, commercial construction loans, commercial leases, residential mortgage loans, home equity, automobile loans, credit card, and other consumer loans and leases. It offers various types of deposits, such as demand deposits, interest checking deposits, savings deposits, money market deposits and transaction deposits.
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