Patriot National Bancorp (NASDAQ:PNBK – Get Free Report) and Univest Corporation of Pennsylvania (NASDAQ:UVSP – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, earnings, institutional ownership, profitability, risk, dividends and analyst recommendations.
Earnings and Valuation
This table compares Patriot National Bancorp and Univest Corporation of Pennsylvania”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Patriot National Bancorp | $58.36 million | 2.69 | -$39.88 million | ($0.32) | -4.19 |
| Univest Corporation of Pennsylvania | $518.35 million | 1.99 | $90.76 million | $3.14 | 11.73 |
Analyst Recommendations
This is a summary of current ratings and recommmendations for Patriot National Bancorp and Univest Corporation of Pennsylvania, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Patriot National Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| Univest Corporation of Pennsylvania | 0 | 3 | 1 | 0 | 2.25 |
Univest Corporation of Pennsylvania has a consensus target price of $35.00, suggesting a potential downside of 4.94%. Given Univest Corporation of Pennsylvania’s stronger consensus rating and higher possible upside, analysts clearly believe Univest Corporation of Pennsylvania is more favorable than Patriot National Bancorp.
Insider and Institutional Ownership
39.3% of Patriot National Bancorp shares are held by institutional investors. Comparatively, 75.1% of Univest Corporation of Pennsylvania shares are held by institutional investors. 11.0% of Patriot National Bancorp shares are held by insiders. Comparatively, 1.8% of Univest Corporation of Pennsylvania shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Profitability
This table compares Patriot National Bancorp and Univest Corporation of Pennsylvania’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Patriot National Bancorp | -35.17% | -37.63% | -2.08% |
| Univest Corporation of Pennsylvania | 17.51% | 9.82% | 1.10% |
Volatility & Risk
Patriot National Bancorp has a beta of -0.67, suggesting that its share price is 167% less volatile than the S&P 500. Comparatively, Univest Corporation of Pennsylvania has a beta of 0.61, suggesting that its share price is 39% less volatile than the S&P 500.
Summary
Univest Corporation of Pennsylvania beats Patriot National Bancorp on 12 of the 14 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 Univest Corporation of Pennsylvania
Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking products and services primarily in the United States. It operates through three segments: Banking, Wealth Management, and Insurance. The Banking segment offers a range of banking services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking, and equipment lease financing services for individuals, businesses, municipalities, and nonprofit organizations. Its Wealth Management segment provides investment advisory, financial planning, and trust and brokerage services for private families and individuals, municipal pension plans, retirement plans, and trusts and guardianships. The Insurance segment offers commercial property and casualty insurance, employee benefits solutions, personal insurance lines, and human resources consulting services. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. The company was founded in 1876 and is headquartered in Souderton, Pennsylvania.
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