Analyzing 1ST RES BK EXTO/SH (OTCMKTS:FRSB) & Patriot National Bancorp (OTCMKTS:PNBK)

1ST RES BK EXTO/SH (OTCMKTS:FRSB) and Patriot National Bancorp (NASDAQ:PNBK) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, earnings, risk, institutional ownership, valuation and profitability.

Risk & Volatility

1ST RES BK EXTO/SH has a beta of 0.73, indicating that its stock price is 27% less volatile than the S&P 500. Comparatively, Patriot National Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for 1ST RES BK EXTO/SH and Patriot National Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
1ST RES BK EXTO/SH 0 0 0 0 N/A
Patriot National Bancorp 0 1 0 0 2.00

Patriot National Bancorp has a consensus target price of $24.00, indicating a potential upside of 87.21%. Given Patriot National Bancorp’s higher possible upside, analysts clearly believe Patriot National Bancorp is more favorable than 1ST RES BK EXTO/SH.

Dividends

Patriot National Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.3%. 1ST RES BK EXTO/SH does not pay a dividend.

Earnings and Valuation

This table compares 1ST RES BK EXTO/SH and Patriot National Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
1ST RES BK EXTO/SH $13.52 million 1.95 $2.16 million N/A N/A
Patriot National Bancorp $42.00 million 1.20 $3.20 million N/A N/A

Patriot National Bancorp has higher revenue and earnings than 1ST RES BK EXTO/SH.

Institutional and Insider Ownership

6.0% of Patriot National Bancorp shares are held by institutional investors. 66.1% of Patriot National Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares 1ST RES BK EXTO/SH and Patriot National Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
1ST RES BK EXTO/SH 14.50% N/A N/A
Patriot National Bancorp -0.86% -0.57% -0.04%

Summary

Patriot National Bancorp beats 1ST RES BK EXTO/SH on 6 of the 11 factors compared between the two stocks.

1ST RES BK EXTO/SH Company Profile

First Resource Bank provides personal and business banking products and services primarily in the southeastern area of Pennsylvania. The company accepts checking, money market, escrow, and CD/IRA accounts, as well as offers certificate deposit account registry services and insured cash sweeps. Its loan products include commercial mortgages, construction loans, working capital credit lines, small business administration loans, commercial term loans, home equity line of credit, fixed payment home equity loans, residential construction loans, land loans, vehicle loans, unsecured installment loans, certificate of deposit secured installment loans, and swing loans. The company also provides credit and debit cards; and cash management, ACH origination, sweep/transfer, ATMs, over the counter checks, online and mobile banking, bill payment, telephone banking, wire transfer, guarantee/notary, safe deposit boxes, night depository, foreign currency exchange, cashier's checks, stop payments, and overdraft protection services. It serves businesses, professionals, and individuals in Chester County, Pennsylvania through two full-service branches. First Resource Bank was founded in 2005 and is based in Exton, Pennsylvania.

Patriot National Bancorp Company Profile

Patriot National Bancorp, Inc. operates as the bank holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company offers consumer and commercial deposit accounts, such as checking accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, time certificates of deposit, savings accounts, 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, construction, and 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. provides its products and services through its main office in Stamford; seven branch offices in Connecticut; and two branch offices in New York. The company was founded in 1994 and is headquartered in Stamford, Connecticut. Patriot National Bancorp, Inc. is a subsidiary of PNBK Holdings LLC.

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