Patriot National Bancorp (NASDAQ:PNBK – Get Free Report) and Amerant Bancorp (NASDAQ:AMTB – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, dividends, profitability, risk, earnings and valuation.
Institutional & Insider Ownership
39.3% of Patriot National Bancorp shares are owned by institutional investors. Comparatively, 42.1% of Amerant Bancorp shares are owned by institutional investors. 13.6% of Patriot National Bancorp shares are owned by insiders. Comparatively, 7.1% of Amerant Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Analyst Recommendations
This is a breakdown of recent ratings and price targets for Patriot National Bancorp and Amerant Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Patriot National Bancorp | 0 | 0 | 0 | 0 | 0.00 |
| Amerant Bancorp | 0 | 2 | 3 | 0 | 2.60 |
Risk and Volatility
Patriot National Bancorp has a beta of 0.3, suggesting that its stock price is 70% less volatile than the S&P 500. Comparatively, Amerant Bancorp has a beta of 0.99, suggesting that its stock price is 1% less volatile than the S&P 500.
Valuation and Earnings
This table compares Patriot National Bancorp and Amerant Bancorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Patriot National Bancorp | $64.96 million | 0.11 | -$4.18 million | ($1.57) | -1.18 |
| Amerant Bancorp | $277.87 million | 3.53 | $32.49 million | ($1.48) | -15.74 |
Amerant Bancorp has higher revenue and earnings than Patriot National Bancorp. Amerant Bancorp is trading at a lower price-to-earnings ratio than Patriot National Bancorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Patriot National Bancorp and Amerant Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Patriot National Bancorp | -9.48% | -14.82% | -0.58% |
| Amerant Bancorp | -8.38% | 5.73% | 0.45% |
Summary
Amerant Bancorp beats Patriot National Bancorp on 12 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 Amerant Bancorp
Amerant Bancorp Inc. operates as the bank holding company for Amerant Bank, N.A. that provides banking products and services to individuals and businesses in the United States and internationally. It offers checking, savings, business, and money market accounts; cash management services; and certificates of deposits. The company also provides variable and fixed rate commercial real estate loans; owner-occupied; single-family residential; commercial; and consumer loans and overdrafts, such as automobile, personal, or loans secured by cash or securities and revolving credit card agreements. In addition, it offers trust and estate planning products and services to high-net-worth customers, brokerage and investment advisory services in global capital markets, and wealth management and fiduciary services. Further, the company provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, letters of credit, and treasury management services, including wire transfer, remote deposit capture, and automated clearinghouse services; derivative instruments; and online and mobile banking, account balances, statements and other documents, online transfers and bill payment, and electronic delivery of customer statements services, as well as automated teller machines, and banking by mobile devices, telephone, and mail. It operates banking centers in Florida and Texas. The company was formerly known as Mercantil Bank Holding Corporation and changed its name to Amerant Bancorp Inc. in June 2019. Amerant Bancorp Inc. was founded in 1979 and is headquartered in Coral Gables, Florida.
Receive News & Ratings for Patriot National Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Patriot National Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.
