Patriot National Bancorp Inc. (NASDAQ:PNBK) and Northeast Bancorp (NASDAQ:NBN) are two firms in the Regional – Northeast Banks that compete against each other. Below is a comparison of their risk, analyst recommendations, institutional ownership, profitability, dividends, earnings and valuation.

Valuation and Earnings

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Patriot National Bancorp Inc.	28.32M	2.34	3.04M	0.90	16.63
Northeast Bancorp	63.23M	3.04	17.93M	1.98	10.88

Table 1 shows the gross revenue, earnings per share and valuation for Patriot National Bancorp Inc. and Northeast Bancorp. Northeast Bancorp seems to has higher revenue and earnings compared to Patriot National Bancorp Inc. When business has higher P/E means it is more expensive than its counterpart currently. Patriot National Bancorp Inc. has been trading at a higher P/E ratio than Northeast Bancorp, which means that it is at the moment the more expensive of the two companies.

Profitability

Table 2 represents Patriot National Bancorp Inc. (NASDAQ:PNBK) and Northeast Bancorp (NASDAQ:NBN)’s return on assets, net margins and return on equity.

	Net Margins	Return on Equity	Return on Assets
Patriot National Bancorp Inc.	10.73%	5.5%	0.4%
Northeast Bancorp	28.36%	12.7%	1.5%

Risk and Volatility

Patriot National Bancorp Inc.’s volatility measures that it’s 79.00% less volatile than Standard & Poor’s 500 due to its 0.21 beta. Northeast Bancorp’s 0.85 beta is the reason why it is 15.00% less volatile than Standard & Poor’s 500.

Dividends

Patriot National Bancorp Inc. pays out an annual dividend of $0.04 per share while its dividend yield is 0.24%. On the other side, $0.04 per share with a dividend yield of 0.19% for Northeast Bancorp.

Insider & Institutional Ownership

The shares of both Patriot National Bancorp Inc. and Northeast Bancorp are owned by institutional investors at 5.4% and 75.6% respectively. Insiders held 66.28% of Patriot National Bancorp Inc. shares. Competitively, 1.4% are Northeast Bancorp’s share held by insiders.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

	Performance (W)	Performance (M)	Performance (Q)	Performance (HY)	Performance (Y)	Performance (YTD)
Patriot National Bancorp Inc.	1.73%	5.31%	-28.36%	-25.12%	-12.6%	4.57%
Northeast Bancorp	10.94%	9.03%	16.47%	-2.93%	-2.27%	28.51%

For the past year Patriot National Bancorp Inc. has weaker performance than Northeast Bancorp

Summary

Northeast Bancorp beats on 11 of the 12 factors Patriot National Bancorp Inc.

Northeast Bancorp operates as the bank holding company for Northeast Bank that provides banking products and services to individual and corporate customers in the United States. The companyÂ’s deposit products include noninterest-bearing demand deposit, NOW, money market, and savings accounts, as well as certificate of deposit accounts. Its loan portfolio comprises residential mortgage loans; multi-family and other commercial real estate loans; commercial and industrial loans, such as term loans, lines of credit and equipment, and receivables financing; consumer loans comprising automobile, boat, and recreational vehicle loans; and small business administration loans. In addition, the company provides telephone banking, online banking and bill payment, mobile banking, and remote deposit capture services, as well as debit card and ATM services. It operates 10 full-service bank branches and 2 loan production offices located in western and south-central Maine and southern New Hampshire. The company was formerly known as Bethel Bancorp, Inc. and changed its name to Northeast Bancorp in 1996. Northeast Bancorp was founded in 1872 and is headquartered in Lewiston, Maine.