Head-To-Head Contrast: CNB Financial (NASDAQ:CCNE) & Patriot National Bancorp (NASDAQ:PNBK)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
CNB Financial	15.29%	11.10%	1.04%
Patriot National Bancorp	-21.77%	-16.78%	-1.29%

Institutional & Insider Ownership

52.4% of CNB Financial shares are held by institutional investors. Comparatively, 39.3% of Patriot National Bancorp shares are held by institutional investors. 2.9% of CNB Financial shares are held by insiders. Comparatively, 11.0% of Patriot National Bancorp shares are held 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.

Analyst Ratings

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CNB Financial	0	1	2	1	3.00
Patriot National Bancorp	1	0	0	0	1.00

CNB Financial presently has a consensus price target of $32.00, suggesting a potential upside of 3.63%. Given CNB Financial’s stronger consensus rating and higher possible upside, equities research analysts clearly believe CNB Financial is more favorable than Patriot National Bancorp.

Risk & Volatility

CNB Financial has a beta of 0.67, indicating that its stock price is 33% less volatile than the S&P 500. Comparatively, Patriot National Bancorp has a beta of -0.67, indicating that its stock price is 167% less volatile than the S&P 500.

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CNB Financial	$432.51 million	2.12	$66.13 million	$2.43	12.71
Patriot National Bancorp	$58.36 million	2.67	-$12.71 million	($0.32)	-4.16

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

Summary

CNB Financial beats Patriot National Bancorp on 13 of the 15 factors compared between the two stocks.

About CNB Financial

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as various other specialized financial services. It also provides private banking; and wealth and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, the company invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and offers small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business. The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

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.