Analyzing Patriot National Bancorp (NASDAQ:PNBK) and JSB Financial (OTCMKTS:JFWV)

JSB Financial (OTCMKTS:JFWV) and Patriot National Bancorp (NASDAQ:PNBK) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, earnings, profitability, risk, institutional ownership, analyst recommendations and dividends.

Earnings and Valuation

This table compares JSB Financial and Patriot National Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
JSB Financial	N/A	N/A	$4.20 million	$16.17	7.43
Patriot National Bancorp	$60.72 million	2.69	-$39.88 million	($2.70)	-0.53

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

Risk & Volatility

JSB Financial has a beta of 0.22, suggesting that its stock price is 78% less volatile than the S&P 500. Comparatively, Patriot National Bancorp has a beta of -0.71, suggesting that its stock price is 171% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings for JSB Financial and Patriot National Bancorp, as provided by MarketBeat.com.

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

Institutional & Insider Ownership

0.1% of JSB Financial shares are owned by institutional investors. Comparatively, 39.3% of Patriot National Bancorp shares are owned by institutional investors. 11.0% of Patriot National Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
JSB Financial	N/A	N/A	N/A
Patriot National Bancorp	-35.17%	-37.63%	-2.08%

Summary

JSB Financial beats Patriot National Bancorp on 7 of the 11 factors compared between the two stocks.

About JSB Financial

JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank that provides various banking products and services to individuals, agricultural businesses, small and medium-sized businesses, local government entities, and non-profit organizations. It accepts various deposit products, such as checking, savings, money market, individual retirement, overdraft protection, and sweep accounts, as well as certificates of deposit. The company's loan portfolio includes personal and vehicle, mortgage, construction, commercial, and home equity loans. It also offers ATM, online and mobile banking, bill pay, paperless statements, cash management, remote deposit capture, merchant, and credit and debit card services. The company was founded in 1869 and is headquartered in Shepherdstown, West Virginia.

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.