Comparison of Tompkins Financial Corporation (TMP) and Patriot National Bancorp Inc. (NASDAQ:PNBK)

Both Tompkins Financial Corporation (NYSEAMERICAN:TMP) and Patriot National Bancorp Inc. (NASDAQ:PNBK) are Regional – Northeast Banks companies, competing one another. We will compare their dividends, analyst recommendations, profitability, risk, earnings and valuation, institutional ownership.

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Tompkins Financial Corporation 285.31M 4.18 80.99M 5.05 15.71
Patriot National Bancorp Inc. 28.32M 1.99 3.04M 0.90 16.63

We can see in table 1 the earnings per share, gross revenue and valuation of Tompkins Financial Corporation and Patriot National Bancorp Inc. Patriot National Bancorp Inc. appears to has lower revenue and earnings than Tompkins Financial Corporation. When business has lower price-to-earnings means it is more affordable than its counterpart presently. Tompkins Financial Corporation is presently more affordable than Patriot National Bancorp Inc., because it’s trading at a lower price-to-earnings ratio.

Profitability

Table 2 has Tompkins Financial Corporation and Patriot National Bancorp Inc.’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Tompkins Financial Corporation 28.39% 10.5% 0.9%
Patriot National Bancorp Inc. 10.73% 5.5% 0.4%

Risk & Volatility

Tompkins Financial Corporation has a 0.79 beta, while its volatility is 21.00% which is less volatile than Standard & Poor’s 500. Patriot National Bancorp Inc.’s 0.21 beta is the reason why it is 79.00% less volatile than Standard & Poor’s 500.

Dividends

Tompkins Financial Corporation pays out $1.94 per share annually while its annual dividend yield is 2.42%. Patriot National Bancorp Inc. has an annual dividend pay of $0.04 per share while its annual dividend yield is 0.28%.

Insider & Institutional Ownership

The shares of both Tompkins Financial Corporation and Patriot National Bancorp Inc. are owned by institutional investors at 51.3% and 5.4% respectively. Insiders owned 1.4% of Tompkins Financial Corporation shares. Competitively, Patriot National Bancorp Inc. has 66.28% of it’s share owned by insiders.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Tompkins Financial Corporation -0.55% 7.82% -1.49% -8.82% 3.35% 5.71%
Patriot National Bancorp Inc. 1.73% 5.31% -28.36% -25.12% -12.6% 4.57%

For the past year Tompkins Financial Corporation’s stock price has bigger growth than Patriot National Bancorp Inc.

Summary

Tompkins Financial Corporation beats on 13 of the 14 factors Patriot National Bancorp Inc.

Tompkins Financial Corporation operates as a community-based financial services company that provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. The company operates through three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, savings accounts, time deposits, IRA products, brokered time deposits, and municipal money market accounts. The company also offers loans for various business purposes, including real estate financing, construction and equipment financing, accounts receivable financing, and commercial leasing; residential real estate loans; home equity loans; commercial and industrial loans; commercial real estate loans; agriculturally-related loans; and consumer loans, such as personal installment loans, direct and indirect automobile financing, and overdraft lines of credit, as well as leasing services. In addition, it provides letters of credit and sweep accounts; credit and debit cards; and deposit and cash management, Internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and Internet banking services. Further, the company offers estate, financial and tax planning, and brokerage services; property and casualty, life, long-term care, and disability insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. The company operates through a network of 65 banking offices, including 45 offices in New York and 21 offices in Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.