Shore Community Bank (OTCMKTS:SHRC) and Patriot National Bancorp (NASDAQ:PNBK) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their risk, earnings, profitability, dividends, analyst recommendations, valuation and institutional ownership.
This is a summary of recent ratings and price targets for Shore Community Bank and Patriot National Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Shore Community Bank||0||0||0||0||N/A|
|Patriot National Bancorp||0||1||0||0||2.00|
Risk & Volatility
Shore Community Bank has a beta of 0.7, indicating that its share price is 30% less volatile than the S&P 500. Comparatively, Patriot National Bancorp has a beta of 0.45, indicating that its share price is 55% less volatile than the S&P 500.
This table compares Shore Community Bank and Patriot National Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Shore Community Bank||N/A||N/A||N/A|
|Patriot National Bancorp||-2.45%||-1.65%||-0.12%|
Earnings & Valuation
This table compares Shore Community Bank and Patriot National Bancorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Shore Community Bank||N/A||N/A||$1.73 million||N/A||N/A|
|Patriot National Bancorp||$42.00 million||1.12||$3.20 million||N/A||N/A|
Patriot National Bancorp has higher revenue and earnings than Shore Community Bank.
Institutional and Insider Ownership
1.0% of Shore Community Bank shares are owned by institutional investors. Comparatively, 6.2% of Patriot National Bancorp shares are owned by institutional investors. 66.1% of Patriot National Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Shore Community Bank pays an annual dividend of $0.30 per share and has a dividend yield of 1.8%. Patriot National Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.3%.
Shore Community Bank beats Patriot National Bancorp on 5 of the 9 factors compared between the two stocks.
About Shore Community Bank
Shore Community Bank, a state chartered bank, provides banking products and services to businesses and individuals in Ocean County, New Jersey. The company's deposit products include checking accounts, savings accounts, certificates of deposit, individual retirement accounts, money market accounts, visa/mastercard merchant deposit accounts, and payroll/direct deposit accounts. Its loan portfolio comprises personal, home equity, term, and demand loans; lines of credit; letters of credit; commercial mortgages; and construction lending. The company also offers direct deposit and electronic transfer, wire transfer, ACH origination, night depository, tenant rent security, signature guarantee, remote deposit, notary, and automated asset management services; safe deposit boxes, escrow accounts, and debit cards, as well as online and telephone banking services. As of April 28, 2016, it operated five banking offices located in Toms River, Jackson, and Manahawkin, New Jersey. Shore Community Bank was incorporated in 1996 and is headquartered in Toms River, New Jersey.
About Patriot National Bancorp
Patriot National Bancorp, Inc. operates as the bank holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company offers consumer and commercial deposit accounts, such as checking accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, time certificates of deposit, savings accounts, 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, construction, and 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. provides its products and services through its main office in Stamford; seven branch offices in Connecticut; and two branch offices in New York. The company was founded in 1994 and is headquartered in Stamford, Connecticut. Patriot National Bancorp, Inc. is a subsidiary of PNBK Holdings LLC.
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