United Security Bancshares (NASDAQ:UBFO) and Patriot National Bancorp (NASDAQ:PNBK) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their dividends, risk, earnings, institutional ownership, profitability, valuation and analyst recommendations.
Insider & Institutional Ownership
24.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 8.4% of Patriot National Bancorp shares are held by institutional investors. 21.8% of United Security Bancshares shares are held by company insiders. Comparatively, 65.7% of Patriot National Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Analyst Ratings
This is a summary of recent ratings and recommmendations for United Security Bancshares and Patriot National Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score |
---|
United Security Bancshares | 0 | 0 | 0 | 0 | N/A |
Patriot National Bancorp | 0 | 0 | 0 | 0 | N/A |
Profitability
This table compares United Security Bancshares and Patriot National Bancorp's net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets |
---|
United Security Bancshares | 24.63% | 8.47% | 0.97% |
Patriot National Bancorp | -9.35% | -6.07% | -0.41% |
Risk & Volatility
United Security Bancshares has a beta of 0.77, indicating that its share price is 23% less volatile than the S&P 500. Comparatively, Patriot National Bancorp has a beta of 0.89, indicating that its share price is 11% less volatile than the S&P 500.
Valuation & Earnings
This table compares United Security Bancshares and Patriot National Bancorp's revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio |
---|
United Security Bancshares | $46.46 million | 2.83 | $15.17 million | N/A | N/A |
Patriot National Bancorp | $46.13 million | 0.82 | $-2,820,000.00 | N/A | N/A |
United Security Bancshares has higher revenue and earnings than Patriot National Bancorp.
Summary
United Security Bancshares beats Patriot National Bancorp on 7 of the 9 factors compared between the two stocks.