Patriot National Bancorp (NASDAQ:PNBK – Get Free Report) and Bridgewater Bancshares (NASDAQ:BWB – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, profitability, valuation, dividends, analyst recommendations and risk.
Volatility and Risk
Patriot National Bancorp has a beta of -0.62, indicating that its stock price is 162% less volatile than the S&P 500. Comparatively, Bridgewater Bancshares has a beta of 0.63, indicating that its stock price is 37% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of current recommendations for Patriot National Bancorp and Bridgewater Bancshares, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Patriot National Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| Bridgewater Bancshares | 0 | 0 | 4 | 0 | 3.00 |
Profitability
This table compares Patriot National Bancorp and Bridgewater Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Patriot National Bancorp | -9.76% | -7.09% | -0.58% |
| Bridgewater Bancshares | 18.38% | 11.21% | 0.95% |
Institutional & Insider Ownership
39.3% of Patriot National Bancorp shares are held by institutional investors. Comparatively, 65.8% of Bridgewater Bancshares shares are held by institutional investors. 12.8% of Patriot National Bancorp shares are held by company insiders. Comparatively, 23.1% of Bridgewater Bancshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Valuation and Earnings
This table compares Patriot National Bancorp and Bridgewater Bancshares”s top-line 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 | 1.93 | -$12.71 million | ($0.07) | -13.59 |
| Bridgewater Bancshares | $292.76 million | 1.95 | $46.09 million | $1.84 | 11.15 |
Bridgewater Bancshares has higher revenue and earnings than Patriot National Bancorp. Patriot National Bancorp is trading at a lower price-to-earnings ratio than Bridgewater Bancshares, indicating that it is currently the more affordable of the two stocks.
Summary
Bridgewater Bancshares beats Patriot National Bancorp on 14 of the 14 factors compared between the two stocks.
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 Bridgewater Bancshares
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, entrepreneurs, business clients, and individuals in the United States. The company provides savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It offers commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance working capital, capital investment, or for other business related purposes; paycheck protection program loans; construction and land development loans; 1-4 family mortgage loans; multifamily lending products; owner and non-owner occupied commercial real estate loans; and consumer and other loans. In addition, the company online, mobile, and direct banking services. Bridgewater Bancshares, Inc. was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.
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