BV Financial (NASDAQ:BVFL – Get Free Report) and Patriot National Bancorp (NASDAQ:PNBK – Get Free Report) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, profitability, analyst recommendations, earnings, risk, valuation and dividends.
Risk and Volatility
BV Financial has a beta of 0.3, meaning that its stock price is 70% less volatile than the S&P 500. Comparatively, Patriot National Bancorp has a beta of -0.62, meaning that its stock price is 162% less volatile than the S&P 500.
Earnings & Valuation
This table compares BV Financial and Patriot National Bancorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BV Financial | $52.43 million | 3.43 | $13.49 million | $1.52 | 13.97 |
| Patriot National Bancorp | $38.89 million | 2.69 | -$12.71 million | ($0.07) | -12.59 |
BV Financial has higher revenue and earnings than Patriot National Bancorp. Patriot National Bancorp is trading at a lower price-to-earnings ratio than BV Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares BV Financial and Patriot National Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BV Financial | 25.01% | 9.31% | 1.91% |
| Patriot National Bancorp | -9.76% | -7.09% | -0.58% |
Analyst Ratings
This is a summary of current recommendations and price targets for BV Financial and Patriot National Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BV Financial | 0 | 0 | 1 | 0 | 3.00 |
| Patriot National Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Institutional & Insider Ownership
42.6% of BV Financial shares are owned by institutional investors. Comparatively, 39.3% of Patriot National Bancorp shares are owned by institutional investors. 15.7% of BV Financial shares are owned by company insiders. Comparatively, 12.8% of Patriot National Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Summary
BV Financial beats Patriot National Bancorp on 13 of the 13 factors compared between the two stocks.
About BV Financial
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.
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.
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