Broadway Financial Corporation (BYFC) vs Patriot National Bancorp Inc. (PNBK)

Broadway Financial Corporation and Patriot National Bancorp Inc. are both Banks Regional companies. Broadway Financial Corporation and Patriot National Bancorp Inc. are of similar size ($110.5M and $109.8M). Patriot National Bancorp Inc. grew revenue faster over the last twelve months: 15.6% against 8.03%. Patriot National Bancorp Inc. has the higher net margin (−9.76% vs −34.6%) and the lower return on invested capital (0.00% vs 1.45%). Across the 16 metrics below, Patriot National Bancorp Inc. leads on 9 and Broadway Financial Corporation on 7.

Valuation

Metric BYFC PNBK Banks Regional median
P/E n/m n/m 12.15
P/S 1.49 1.75 2.37
P/B 0.91 1.32 1.21
Price to free cash flow 16.59 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.10 0.19 2.27
Earnings yield (22.93%) (6.40%) 8.11%
Free cash flow yield 6.03% (15.75%) 8.98%

Profitability

Metric BYFC PNBK Banks Regional median
Gross margin 56.06% 58.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (34.62%) (9.76%) 18.66%
Free cash flow margin 9.00% (27.60%) 21.18%
Return on equity (19.24%) (8.72%) 10.64%
Return on assets (1.69%) (0.58%) 1.13%
Return on invested capital 1.45% 0.00% 8.33%

Growth

Metric BYFC PNBK Banks Regional median
Revenue growth (TTM) 8.03% 15.58% 6.61%
EPS growth (last fiscal year) (8,175.00%) 98.31% —
Revenue growth, 5-year CAGR 27.55% 7.91% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric BYFC PNBK Banks Regional median
Debt to equity 0.36 0.19 0.22
Current ratio 0.98 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BYFC PNBK Banks Regional median
Dividend yield — — 3.75%
Payout ratio 0.00 0.00 0.27

Size

Metric BYFC PNBK Banks Regional median
Market cap 110.51m 109.84m 921.07m

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