Reviewing Cib Marine Bancshares (OTCMKTS:CIBH) and Patriot National Bancorp (NASDAQ:PNBK)

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

Institutional and 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 hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Patriot National Bancorp and Cib Marine Bancshares’ 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%
Cib Marine Bancshares	N/A	N/A	N/A

Valuation and Earnings

This table compares Patriot National Bancorp and Cib Marine Bancshares”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Patriot National Bancorp	$33.15 million	3.98	-$12.71 million	($0.13)	-8.62
Cib Marine Bancshares	$50.14 million	1.14	$2.07 million	$1.52	27.63

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

Analyst Recommendations

This is a breakdown of recent ratings for Patriot National Bancorp and Cib Marine Bancshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Patriot National Bancorp	1	0	0	0	1.00
Cib Marine Bancshares	0	0	0	0	0.00

Risk & Volatility

Patriot National Bancorp has a beta of -0.64, suggesting that its share price is 164% less volatile than the S&P 500. Comparatively, Cib Marine Bancshares has a beta of 0.24, suggesting that its share price is 76% less volatile than the S&P 500.

Summary

Cib Marine Bancshares beats Patriot National Bancorp on 8 of the 12 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 Cib Marine Bancshares

CIB Marine Bancshares, Inc. operates as the bank holding company for CIBM Bank that provides commercial banking services to individual and business customers in Illinois, Indiana, and Wisconsin. It provides deposit accounts comprising checking, savings, and time deposits. The company offers a range of loan products, such as commercial, commercial real estate, commercial and residential construction, government guaranteed, one-to-four family residential real estate, home equity, and consumer loans, as well as commercial and standby letters of credit. In addition, it provides trust services; cash management; repurchase agreements; mortgage; and other banking services. Further, the company invests in securities. The company was formerly known as Central Illinois Bancorp, Inc. and changed its name to CIB Marine Bancshares, Inc. in August 1999. CIB Marine Bancshares, Inc. was incorporated in 1985 and is based in Brookfield, Wisconsin.