Comparing WCF Bancorp (OTCMKTS:WCFB) and Patriot National Bancorp (NASDAQ:PNBK)

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

Institutional and Insider Ownership

39.3% of Patriot National Bancorp shares are held by institutional investors. 12.8% of Patriot National Bancorp shares are held by company insiders. Comparatively, 0.8% of WCF Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Volatility and Risk

Patriot National Bancorp has a beta of -0.66, suggesting that its share price is 166% less volatile than the S&P 500. Comparatively, WCF Bancorp has a beta of 0.06, suggesting that its share price is 94% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Patriot National Bancorp and WCF Bancorp, 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
WCF Bancorp	0	0	0	0	0.00

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Patriot National Bancorp	-19.14%	-13.71%	-1.13%
WCF Bancorp	N/A	N/A	N/A

Earnings & Valuation

This table compares Patriot National Bancorp and WCF Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Patriot National Bancorp	$58.36 million	2.14	-$12.71 million	($0.13)	-8.15
WCF Bancorp	$12.05 million	0.93	-$2.28 million	N/A	N/A

WCF Bancorp has lower revenue, but higher earnings than Patriot National Bancorp.

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 WCF Bancorp

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, and Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.