Seacoast Banking Corporation of Florida (NASDAQ:SBCF) & Patriot National Bancorp (NASDAQ:PNBK) Head to Head Contrast

Patriot National Bancorp (NASDAQ:PNBK) and Seacoast Banking Corporation of Florida (NASDAQ:SBCF) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their risk, dividends, earnings, profitability, analyst recommendations, institutional ownership and valuation.

Profitability

This table compares Patriot National Bancorp and Seacoast Banking Corporation of Florida’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%
Seacoast Banking Corporation of Florida	15.11%	8.68%	1.14%

Insider and Institutional Ownership

39.3% of Patriot National Bancorp shares are held by institutional investors. Comparatively, 81.8% of Seacoast Banking Corporation of Florida shares are held by institutional investors. 12.8% of Patriot National Bancorp shares are held by insiders. Comparatively, 1.5% of Seacoast Banking Corporation of Florida shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Risk and Volatility

Patriot National Bancorp has a beta of -0.66, suggesting that its stock price is 166% less volatile than the S&P 500. Comparatively, Seacoast Banking Corporation of Florida has a beta of 0.85, suggesting that its stock price is 15% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Patriot National Bancorp and Seacoast Banking Corporation of Florida, 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
Seacoast Banking Corporation of Florida	0	2	3	0	2.60

Seacoast Banking Corporation of Florida has a consensus target price of $35.50, indicating a potential downside of 1.59%. Given Seacoast Banking Corporation of Florida’s stronger consensus rating and higher probable upside, analysts plainly believe Seacoast Banking Corporation of Florida is more favorable than Patriot National Bancorp.

Earnings and Valuation

This table compares Patriot National Bancorp and Seacoast Banking Corporation of Florida”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Patriot National Bancorp	$58.36 million	2.31	-$12.71 million	($0.13)	-8.81
Seacoast Banking Corporation of Florida	$935.52 million	3.73	$144.88 million	$1.57	22.98

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.

Summary

Seacoast Banking Corporation of Florida beats Patriot National Bancorp on 13 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 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.