First Northwest Bancorp (FNWB) vs Patriot National Bancorp Inc. (PNBK)

First Northwest Bancorp and Patriot National Bancorp Inc. are both Banks Regional companies. Patriot National Bancorp Inc. is the larger, with a market value of $109.8M against $95.6M — 1.1× the size. Patriot National Bancorp Inc. has negative trailing earnings, so its P/E is not meaningful; First Northwest Bancorp trades at 62.5×. Patriot National Bancorp Inc. grew revenue faster over the last twelve months: 15.6% against −4.89%. First Northwest Bancorp has the higher net margin (1.32% vs −9.76%) and the higher return on invested capital (0.13% vs 0.00%). Across the 16 metrics below, First Northwest Bancorp leads on 12 and Patriot National Bancorp Inc. on 4.

Valuation

Metric FNWB PNBK Banks Regional median
P/E 62.54 n/m 12.15
P/S 0.79 1.75 2.37
P/B 0.56 1.32 1.21
Price to free cash flow 5.39 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.68 0.19 2.27
Earnings yield 1.60% (6.40%) 8.11%
Free cash flow yield 18.54% (15.75%) 8.98%

Profitability

Metric FNWB PNBK Banks Regional median
Gross margin 59.52% 58.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.32% (9.76%) 18.66%
Free cash flow margin 14.57% (27.60%) 21.18%
Return on equity 0.97% (8.72%) 10.64%
Return on assets 0.07% (0.58%) 1.13%
Return on invested capital 0.13% 0.00% 8.33%

Growth

Metric FNWB PNBK Banks Regional median
Revenue growth (TTM) (4.89%) 15.58% 6.61%
EPS growth (last fiscal year) 36.00% 98.31% —
Revenue growth, 5-year CAGR 11.93% 7.91% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric FNWB PNBK Banks Regional median
Debt to equity 1.98 0.19 0.22
Current ratio 1.04 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWB PNBK Banks Regional median
Dividend yield 2.08% — 3.75%
Payout ratio 0.16 0.00 0.27

Size

Metric FNWB PNBK Banks Regional median
Market cap 95.59m 109.84m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack