Bridgewater Bancshares (NASDAQ:BWB – Get Free Report) and Patriot National Bancorp (NASDAQ:PNBK – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, valuation, institutional ownership, dividends, risk and earnings.
Risk & Volatility
Bridgewater Bancshares has a beta of 0.63, meaning that its share price is 37% less volatile than the S&P 500. Comparatively, Patriot National Bancorp has a beta of -0.62, meaning that its share price is 162% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of current recommendations for Bridgewater Bancshares and Patriot National Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bridgewater Bancshares | 0 | 0 | 4 | 0 | 3.00 |
| Patriot National Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Insider and Institutional Ownership
65.8% of Bridgewater Bancshares shares are owned by institutional investors. Comparatively, 39.3% of Patriot National Bancorp shares are owned by institutional investors. 23.1% of Bridgewater Bancshares shares are owned by insiders. Comparatively, 12.8% of Patriot National Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Valuation and Earnings
This table compares Bridgewater Bancshares 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 | |
| Bridgewater Bancshares | $292.76 million | 1.93 | $46.09 million | $1.84 | 11.01 |
| Patriot National Bancorp | $58.36 million | 1.79 | -$12.71 million | ($0.07) | -12.59 |
Bridgewater Bancshares has higher revenue and earnings than Patriot National Bancorp. Patriot National Bancorp is trading at a lower price-to-earnings ratio than Bridgewater Bancshares, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Bridgewater Bancshares and Patriot National Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bridgewater Bancshares | 18.38% | 11.21% | 0.95% |
| Patriot National Bancorp | -9.76% | -7.09% | -0.58% |
Summary
Bridgewater Bancshares beats Patriot National Bancorp on 14 of the 14 factors compared between the two stocks.
About Bridgewater Bancshares
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, entrepreneurs, business clients, and individuals in the United States. The company provides savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It offers commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance working capital, capital investment, or for other business related purposes; paycheck protection program loans; construction and land development loans; 1-4 family mortgage loans; multifamily lending products; owner and non-owner occupied commercial real estate loans; and consumer and other loans. In addition, the company online, mobile, and direct banking services. Bridgewater Bancshares, Inc. was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.
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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