Financial Analysis: JSB Financial (OTCMKTS:JFWV) versus Patriot National Bancorp (NASDAQ:PNBK)

Patriot National Bancorp (NASDAQ:PNBK) and JSB Financial (OTCMKTS:JFWV) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their valuation, profitability, risk, analyst recommendations, dividends, earnings and institutional ownership.

Valuation & Earnings

This table compares Patriot National Bancorp and JSB Financial”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Patriot National Bancorp	$60.72 million	2.59	-$39.88 million	($2.70)	-0.51
JSB Financial	N/A	N/A	$4.20 million	$16.17	7.43

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

Insider & Institutional Ownership

39.3% of Patriot National Bancorp shares are owned by institutional investors. Comparatively, 0.1% of JSB Financial shares are owned by institutional investors. 11.0% of Patriot National Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Patriot National Bancorp and JSB Financial’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%
JSB Financial	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Patriot National Bancorp and JSB Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Patriot National Bancorp	1	0	0	0	1.00
JSB Financial	0	0	0	0	0.00

Risk and Volatility

Patriot National Bancorp has a beta of -0.71, suggesting that its share price is 171% less volatile than the S&P 500. Comparatively, JSB Financial has a beta of 0.22, suggesting that its share price is 78% less volatile than the S&P 500.

Summary

JSB Financial beats Patriot National Bancorp on 7 of the 11 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 JSB Financial

JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank that provides various banking products and services to individuals, agricultural businesses, small and medium-sized businesses, local government entities, and non-profit organizations. It accepts various deposit products, such as checking, savings, money market, individual retirement, overdraft protection, and sweep accounts, as well as certificates of deposit. The company's loan portfolio includes personal and vehicle, mortgage, construction, commercial, and home equity loans. It also offers ATM, online and mobile banking, bill pay, paperless statements, cash management, remote deposit capture, merchant, and credit and debit card services. The company was founded in 1869 and is headquartered in Shepherdstown, West Virginia.