Patriot National Bancorp (NASDAQ:PNBK – Get Free Report) and LCNB (NASDAQ:LCNB – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, institutional ownership, dividends, analyst recommendations, profitability, valuation and risk.
Risk and Volatility
Patriot National Bancorp has a beta of -0.68, suggesting that its stock price is 168% less volatile than the S&P 500. Comparatively, LCNB has a beta of 0.57, suggesting that its stock price is 43% less volatile than the S&P 500.
Analyst Ratings
This is a summary of recent recommendations and price targets for Patriot National Bancorp and LCNB, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Patriot National Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| LCNB | 0 | 0 | 1 | 0 | 3.00 |
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Patriot National Bancorp | -35.17% | -37.63% | -2.08% |
| LCNB | 18.57% | 8.68% | 1.02% |
Institutional & Insider Ownership
39.3% of Patriot National Bancorp shares are owned by institutional investors. Comparatively, 34.7% of LCNB shares are owned by institutional investors. 11.0% of Patriot National Bancorp shares are owned by insiders. Comparatively, 5.7% of LCNB shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Valuation and Earnings
This table compares Patriot National Bancorp and LCNB”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Patriot National Bancorp | $60.72 million | 2.41 | -$39.88 million | ($2.70) | -0.47 |
| LCNB | $124.52 million | 1.77 | $23.12 million | $1.63 | 9.50 |
LCNB has higher revenue and earnings than Patriot National Bancorp. Patriot National Bancorp is trading at a lower price-to-earnings ratio than LCNB, indicating that it is currently the more affordable of the two stocks.
Summary
LCNB beats Patriot National Bancorp on 10 of the 13 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 LCNB
LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in Ohio. Its deposit products include checking accounts, demand deposits, savings accounts, NOW and money market deposits, as well as individual retirement accounts and time certificates. The company's loan products comprise commercial and industrial, commercial and residential real estate, agricultural, construction, and small business administration loans; and residential mortgage loans that consists of loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages. It offers consumer loans, such as automobile, recreational vehicles, boat, home improvement, and personal loans. In addition, the company provides trust administration, estate settlement, and fiduciary services; and investment management services for trusts, agency accounts, individual retirement accounts, and foundations/endowments. Further, it offers investment services and products, including financial needs analysis, mutual funds, securities trading, annuities, and life insurance; and security brokerage services. Additionally, the company provides safe deposit boxes, night depositories, cashier's checks, bank-by-mail, ATMs, cash and transaction services, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public service, cash management services, telephone banking, PC Internet banking, mobile banking, and other services for individuals and businesses. LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.
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