Seacoast Banking Corporation of Florida (NASDAQ:SBCF – Get Free Report) and Patriot National Bancorp (NASDAQ:PNBK – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, earnings, dividends, analyst recommendations, risk, valuation and institutional ownership.
Insider and Institutional Ownership
81.8% of Seacoast Banking Corporation of Florida shares are held by institutional investors. Comparatively, 39.3% of Patriot National Bancorp shares are held by institutional investors. 1.5% of Seacoast Banking Corporation of Florida shares are held by insiders. Comparatively, 12.8% of Patriot National Bancorp shares are held by 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 Recommendations
This is a breakdown of current recommendations and price targets for Seacoast Banking Corporation of Florida and Patriot National Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Seacoast Banking Corporation of Florida | 0 | 2 | 3 | 0 | 2.60 |
| Patriot National Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Earnings and Valuation
This table compares Seacoast Banking Corporation of Florida and Patriot National Bancorp”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Seacoast Banking Corporation of Florida | $732.57 million | 4.58 | $144.88 million | $1.57 | 22.00 |
| Patriot National Bancorp | $58.36 million | 2.39 | -$12.71 million | ($0.13) | -9.12 |
Seacoast Banking Corporation of Florida has higher revenue and earnings than Patriot National Bancorp. Patriot National Bancorp is trading at a lower price-to-earnings ratio than Seacoast Banking Corporation of Florida, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Seacoast Banking Corporation of Florida and Patriot National Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Seacoast Banking Corporation of Florida | 15.11% | 8.68% | 1.14% |
| Patriot National Bancorp | -19.14% | -13.71% | -1.13% |
Risk & Volatility
Seacoast Banking Corporation of Florida has a beta of 0.85, suggesting that its share price is 15% less volatile than the S&P 500. Comparatively, Patriot National Bancorp has a beta of -0.66, suggesting that its share price is 166% less volatile than the S&P 500.
Summary
Seacoast Banking Corporation of Florida beats Patriot National Bancorp on 13 of the 14 factors compared between the two stocks.
About Seacoast Banking Corporation of Florida
Seacoast Banking Corp. of Florida is a financial holding company, which engages in the provision of integrated financial services. It provides banking and investment services to businesses and consumers, including personal and business deposit products, Internet and mobile banking, personal, commercial and mortgage loans, wealth management services, and treasury management solutions. The company was founded in 1983 and is headquartered in Stuart, FL.
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.
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