Auburn National Bancorporation, Inc. (AUBN) vs Patriot National Bancorp Inc. (PNBK)

Auburn National Bancorporation, Inc. and Patriot National Bancorp Inc. are both Banks Regional companies. Patriot National Bancorp Inc. is the larger, with a market value of $105.1M against $92.2M — 1.1× the size. Patriot National Bancorp Inc. has negative trailing earnings, so its P/E is not meaningful; Auburn National Bancorporation, Inc. trades at 11.0×. Patriot National Bancorp Inc. grew revenue faster over the last twelve months: 15.6% against 4.58%. Auburn National Bancorporation, Inc. has the higher net margin (18.6% vs −9.76%) and the higher return on invested capital (0.00% vs 0.00%). Across the 15 metrics below, Auburn National Bancorporation, Inc. leads on 9 and Patriot National Bancorp Inc. on 6.

Valuation

Metric AUBN PNBK Banks Regional median
P/E 10.98 n/m 11.98
P/S 2.05 1.45 2.34
P/B 0.98 1.10 1.19
Price to free cash flow 8.91 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.10% (7.71%) 8.23%
Free cash flow yield 11.23% (18.97%) 9.08%

Profitability

Metric AUBN PNBK Banks Regional median
Gross margin 75.98% 58.32% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.60% (9.76%) 18.66%
Free cash flow margin 23.02% (27.60%) 21.11%
Return on equity 9.32% (8.72%) 10.65%
Return on assets 0.79% (0.58%) 1.13%
Return on invested capital 0.00% 0.00% 8.35%

Growth

Metric AUBN PNBK Banks Regional median
Revenue growth (TTM) 4.58% 15.58% 6.98%
EPS growth (last fiscal year) 13.66% 98.31% 18.88%
Revenue growth, 5-year CAGR 5.51% 7.91% 12.38%
Net income growth, 5-year CAGR (0.54%) 0.00% 9.71%

Health

Metric AUBN PNBK Banks Regional median
Debt to equity 0.00 0.19 0.22
Current ratio 0.79 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AUBN PNBK Banks Regional median
Dividend yield 4.08% — 2.57%
Payout ratio 0.45 — 0.30

Size

Metric AUBN PNBK Banks Regional median
Market cap 92.24m 105.05m 913.33m

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