Patriot National Bancorp Inc. (PNBK) vs Riverview Bancorp Inc (RVSB)

Patriot National Bancorp Inc. and Riverview Bancorp Inc are both Banks Regional companies. Patriot National Bancorp Inc. and Riverview Bancorp Inc are of similar size ($117.7M and $109.8M). Patriot National Bancorp Inc. grew revenue faster over the last twelve months: 15.6% against −11.2%. Riverview Bancorp Inc has the higher net margin (−5.87% vs −9.76%) and the lower return on invested capital (−3.72% vs 0.00%). Across the 16 metrics below, Riverview Bancorp Inc leads on 9 and Patriot National Bancorp Inc. on 7.

Valuation

Metric PNBK RVSB Banks Regional median
P/E n/m n/m 12.15
P/S 1.75 1.84 2.37
P/B 1.32 0.83 1.21
Price to free cash flow n/m 8.68 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.19 0.98 2.27
Earnings yield (6.40%) (3.19%) 8.11%
Free cash flow yield (15.75%) 11.52% 8.98%

Profitability

Metric PNBK RVSB Banks Regional median
Gross margin 58.32% 68.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (9.76%) (5.87%) 18.66%
Free cash flow margin (27.60%) 21.18% 21.18%
Return on equity (8.72%) (2.52%) 10.64%
Return on assets (0.58%) (0.26%) 1.13%
Return on invested capital 0.00% (3.72%) 8.33%

Growth

Metric PNBK RVSB Banks Regional median
Revenue growth (TTM) 15.58% (11.21%) 6.61%
EPS growth (last fiscal year) 98.31% (191.30%) —
Revenue growth, 5-year CAGR 7.91% 1.73% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric PNBK RVSB Banks Regional median
Debt to equity 0.19 0.31 0.22
Current ratio 0.85 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PNBK RVSB Banks Regional median
Dividend yield — 4.91% 3.75%
Payout ratio 0.00 0.24 0.27

Size

Metric PNBK RVSB Banks Regional median
Market cap 109.84m 117.72m 921.07m

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