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Screener Weekly Summary Pricing

Patriot National Bancorp Inc. (PNBK) vs Provident Financial Holdings, Inc. (PROV)

Patriot National Bancorp Inc. and Provident Financial Holdings, Inc. are both Banks Regional companies. Patriot National Bancorp Inc. and Provident Financial Holdings, Inc. are of similar size ($114.5M and $109.8M). Patriot National Bancorp Inc. has negative trailing earnings, so its P/E is not meaningful; Provident Financial Holdings, Inc. trades at 17.7×. Patriot National Bancorp Inc. grew revenue faster over the last twelve months: 15.6% against −0.90%. Provident Financial Holdings, Inc. has the higher net margin (11.2% vs −9.76%) and the higher return on invested capital (2.57% vs 0.00%). Across the 17 metrics below, Provident Financial Holdings, Inc. leads on 11 and Patriot National Bancorp Inc. on 6.

Valuation

Metric PNBK PROV Banks Regional median
P/E n/m 17.71 12.15
P/S 1.75 1.98 2.37
P/B 1.32 0.94 1.21
Price to free cash flow n/m 13.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.19 3.79 2.27
Earnings yield (6.40%) 5.65% 8.11%
Free cash flow yield (15.75%) 7.22% 8.98%

Profitability

Metric PNBK PROV Banks Regional median
Gross margin 58.32% 67.19% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (9.76%) 11.16% 18.66%
Free cash flow margin (27.60%) 14.32% 21.18%
Return on equity (8.72%) 5.22% 10.64%
Return on assets (0.58%) 0.54% 1.13%
Return on invested capital 0.00% 2.57% 8.33%

Growth

Metric PNBK PROV Banks Regional median
Revenue growth (TTM) 15.58% (0.90%) 6.61%
EPS growth (last fiscal year) 98.31% 10.75% —
Revenue growth, 5-year CAGR 7.91% 8.43% 12.30%
Net income growth, 5-year CAGR 0.00% (2.52%) 9.71%

Health

Metric PNBK PROV Banks Regional median
Debt to equity 0.19 1.24 0.22
Current ratio 0.85 1.17 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PNBK PROV Banks Regional median
Dividend yield — 3.92% 3.75%
Payout ratio 0.00 0.47 0.27

Size

Metric PNBK PROV Banks Regional median
Market cap 109.84m 114.52m 921.07m

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