Comparing BBVA Banco Frances (NYSE:BBAR) and Patriot National Bancorp (NASDAQ:PNBK)

Patriot National Bancorp (NASDAQ:PNBK) and BBVA Banco Frances (NYSE:BBAR) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, dividends, valuation, earnings, risk, analyst recommendations and profitability.

Valuation and Earnings

This table compares Patriot National Bancorp and BBVA Banco Frances”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	2.28	-$12.71 million	($0.07)	-16.00
BBVA Banco Frances	$4.96 billion	0.62	$252.12 million	$1.02	14.76

BBVA Banco Frances has higher revenue and earnings than Patriot National Bancorp. Patriot National Bancorp is trading at a lower price-to-earnings ratio than BBVA Banco Frances, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Patriot National Bancorp has a beta of -0.68, indicating that its share price is 168% less volatile than the S&P 500. Comparatively, BBVA Banco Frances has a beta of 0.93, indicating that its share price is 7% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Patriot National Bancorp and BBVA Banco Frances, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Patriot National Bancorp	1	0	0	0	1.00
BBVA Banco Frances	0	3	2	2	2.86

BBVA Banco Frances has a consensus price target of $18.50, suggesting a potential upside of 22.84%. Given BBVA Banco Frances’ stronger consensus rating and higher probable upside, analysts plainly believe BBVA Banco Frances is more favorable than Patriot National Bancorp.

Profitability

This table compares Patriot National Bancorp and BBVA Banco Frances’ 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%
BBVA Banco Frances	4.16%	7.56%	1.10%

Institutional & Insider Ownership

39.3% of Patriot National Bancorp shares are owned by institutional investors. 12.8% of Patriot National Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

BBVA Banco Frances beats Patriot National Bancorp on 12 of the 15 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 BBVA Banco Frances

Banco BBVA Argentina S.A. provides various banking products and services to individuals and companies in Argentina. The company provides retail banking products and services, such as checking and savings accounts, time deposits, credit cards financing, consumer and pledge loans, mortgages, insurance, and investment products to individuals; and small and medium-sized companies products and services, including financing products, factoring, checking accounts, time deposits, transactional and payroll services, insurance, and investment products to private-sector companies. It also provides corporate and investment banking products and services, such as global transaction services; global markets solutions comprising risk management and securities brokerage; long-term financing products, including project finance and syndicated loans; and corporate finance services comprising mergers and acquisitions, and capital markets advisory services to corporations and multinational companies. The company was formerly known as BBVA Banco Francés S.A. and changed its name to Banco BBVA Argentina S.A. in July 2019. Banco BBVA Argentina S.A. was incorporated in 1886 and is based in Buenos Aires, Argentina.