Head to Head Contrast: Chino Commercial Bancorp (OTCMKTS:CCBC) and Patriot National Bancorp (NASDAQ:PNBK)

Earnings and Valuation

This table compares Patriot National Bancorp and Chino Commercial Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Patriot National Bancorp	$64.96 million	0.11	-$4.18 million	($7.40)	-0.24
Chino Commercial Bancorp	$21.37 million	2.07	$4.94 million	$1.54	8.94

Chino Commercial Bancorp has lower revenue, but higher earnings than Patriot National Bancorp. Patriot National Bancorp is trading at a lower price-to-earnings ratio than Chino Commercial Bancorp, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

Patriot National Bancorp has a beta of 0.45, meaning that its stock price is 55% less volatile than the S&P 500. Comparatively, Chino Commercial Bancorp has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500.

Institutional & Insider Ownership

39.3% of Patriot National Bancorp shares are held by institutional investors. 13.6% of Patriot National Bancorp shares are held by company insiders. Comparatively, 32.5% of Chino Commercial Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Patriot National Bancorp and Chino Commercial Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Patriot National Bancorp	-45.58%	-81.22%	-2.82%
Chino Commercial Bancorp	20.17%	N/A	N/A

Summary

Chino Commercial Bancorp beats Patriot National Bancorp on 9 of the 11 factors compared between the two stocks.

About Patriot National Bancorp

Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, time certificates of deposit, savings, prepaid deposit, on-line national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, small business administration, construction, purchased residential real estate, and various consumer loans. The company also offers automated clearing house transfers, lockbox, internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. Patriot National Bancorp, Inc. was founded in 1994 and is headquartered in Stamford, Connecticut.

About Chino Commercial Bancorp

Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A. that provides commercial banking services to individuals and small businesses primarily in the Inland Empire region of Southern California. The company's deposit products include non-interest bearing deposits, money market accounts, NOW and savings accounts, and certificates of deposit accounts. It also provides loan products, such as one-to-four family residential, residential, construction, commercial real estate, and commercial and industrial loans, as well as loans to individuals for overdraft protection and personal lines of credit. In addition, the company offers credit and debit card, wire transfer, and online and mobile banking services. It operates full-service branches in Chino, Ontario, Rancho Cucamonga, and Upland, California. The company was founded in 1999 and is headquartered in Chino, California.