Patriot National Bancorp (NASDAQ:PNBK) & Pioneer Bankshares (OTCMKTS:PNBI) Head-To-Head Analysis

Pioneer Bankshares (OTCMKTS:PNBI) and Patriot National Bancorp (NASDAQ:PNBK) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, dividends, risk, analyst recommendations, institutional ownership, valuation and earnings.

Insider and Institutional Ownership

39.3% of Patriot National Bancorp shares are owned by institutional investors. 13.7% of Pioneer Bankshares shares are owned by insiders. Comparatively, 11.0% of Patriot National Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Risk & Volatility

Pioneer Bankshares has a beta of 0.12, suggesting that its stock price is 88% 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 breakdown of current recommendations and price targets for Pioneer Bankshares and Patriot National Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pioneer Bankshares	0	0	0	0	0.00
Patriot National Bancorp	1	0	0	0	1.00

Earnings and Valuation

This table compares Pioneer Bankshares 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
Pioneer Bankshares	$19.82 million	1.67	$2.68 million	$3.56	9.27
Patriot National Bancorp	$60.72 million	3.01	-$39.88 million	($2.70)	-0.59

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

Profitability

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

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

Summary

Pioneer Bankshares beats Patriot National Bancorp on 8 of the 12 factors compared between the two stocks.

About Pioneer Bankshares

Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services to individual consumers, small to medium size businesses, and professional community in the United States. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and certificates of deposit. Its personal loans comprise personal installment and single-pay, and auto loans; and business loans consists of operating capital, equipment loans, investment properties, lines of credit, business expansion, and property acquisition or construction, as well as home mortgage and home equity loans. In addition, the company provides credit and debit cards, safe deposit boxes, online and mobile banking tools, merchant services, and cash management services. Further, it offers investment products, such as individual retirement accounts, 529 college savings plans, small business investment strategies, fixed, and variable annuities. Additionally, the company provides personalized investment advisory services, as well as securities and insurance products and services. Pioneer Bankshares, Inc. was founded in 1909 and is headquartered in Stanley, 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.