Patriot National Bancorp (NASDAQ:PNBK) versus Chain Bridge Bancorp (NYSE:CBNA) Financial Analysis

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

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 insiders. Comparatively, 25.4% of Chain Bridge Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Earnings & 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	3.98	$20.24 million	$3.31	10.88

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

Volatility & Risk

Patriot National Bancorp has a beta of -0.66, indicating that its stock price is 166% less volatile than the S&P 500. Comparatively, Chain Bridge Bancorp has a beta of 0.36, indicating that its stock price is 64% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations for Patriot National Bancorp and Chain Bridge Bancorp, as provided by MarketBeat.com.

	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 price target of $38.50, suggesting a potential upside of 6.93%. Given Chain Bridge Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Chain Bridge Bancorp is more favorable than Patriot National Bancorp.

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.