Analyzing Malvern Bancorp (MLVF) & Kentucky First Federal Bancorp (NASDAQ:KFFB)

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Kentucky First Federal Bancorp (NASDAQ:KFFB) and Malvern Bancorp (NASDAQ:MLVF) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, profitability, earnings, analyst recommendations and dividends.

Profitability

This table compares Kentucky First Federal Bancorp and Malvern Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Kentucky First Federal Bancorp 9.34% 1.51% 0.32%
Malvern Bancorp 16.88% 8.06% 0.81%

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Kentucky First Federal Bancorp and Malvern Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Kentucky First Federal Bancorp 0 0 0 0 N/A
Malvern Bancorp 0 1 1 0 2.50

Malvern Bancorp has a consensus price target of $23.50, suggesting a potential upside of 13.91%. Given Malvern Bancorp’s higher probable upside, analysts plainly believe Malvern Bancorp is more favorable than Kentucky First Federal Bancorp.

Volatility & Risk

Kentucky First Federal Bancorp has a beta of 0.33, indicating that its stock price is 67% less volatile than the S&P 500. Comparatively, Malvern Bancorp has a beta of 0.28, indicating that its stock price is 72% less volatile than the S&P 500.

Earnings & Valuation

This table compares Kentucky First Federal Bancorp and Malvern Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Kentucky First Federal Bancorp $12.58 million 4.73 $1.32 million N/A N/A
Malvern Bancorp $43.33 million 3.70 $7.30 million N/A N/A

Malvern Bancorp has higher revenue and earnings than Kentucky First Federal Bancorp.

Dividends

Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.7%. Malvern Bancorp does not pay a dividend.

Insider & Institutional Ownership

2.6% of Kentucky First Federal Bancorp shares are owned by institutional investors. Comparatively, 51.0% of Malvern Bancorp shares are owned by institutional investors. 5.1% of Kentucky First Federal Bancorp shares are owned by insiders. Comparatively, 3.7% of Malvern Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Malvern Bancorp beats Kentucky First Federal Bancorp on 8 of the 13 factors compared between the two stocks.

About Kentucky First Federal Bancorp

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. that provide various banking products and services in Kentucky. Its deposit products include passbook savings and certificate accounts, checking accounts, and individual retirement accounts. The company's loan portfolio comprises one-to four-family residential mortgage loans; construction loans; mortgage loans secured by multi-family property; nonresidential loans that are secured by commercial office buildings, churches, and properties used for other purposes; commercial non-mortgage loans; and consumer loans, such as home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured or personal loans. In addition, it invests in mortgage-backed securities; and provides insurance products and services. As of October 19, 2018, it operated through seven banking offices. The company was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp is a subsidiary of First Federal Mutual Holding Company.

About Malvern Bancorp

Malvern Bancorp, Inc. operates as the holding company for Malvern Federal Savings Bank that provides various banking products and services to consumer and business customers in Pennsylvania. The company offers checking accounts, retirement accounts, money market accounts, time and savings accounts, interest and non-interest bearing accounts, NOW accounts, and CDARS/ICS reciprocal deposits; and debit and credit card, wire transfer, automated teller, Internet banking, ACH origination, safe deposit box, telephone banking, and mobile banking services. It also provides residential mortgage loans, such as one class and one-to four-family first lien residential mortgage loans; residential and commercial construction loans, and land loans; commercial loans, including commercial real estate loans, multi-family real estate loans, industrial loans, and commercial business loans; and consumer loans, such as home equity lines of credit, second mortgage loans, and unsecured consumer lines of credit. In addition, the company offers liquidity management, investment, custody, wealth planning, trust and fiduciary, insurance, and 401k services to high net worth individuals and families. Further, it provides remote deposit capture banking for business customers; and mobile remote deposit capture banking for retail and business customers. As of September 30, 2017, the company owns and maintains its headquarters and six full-service financial centers; leases financial centers in Glen Mills and Villanova, Pennsylvania; a private banking office in Morristown, New Jersey; and leases representative offices in Montchanin, Delaware, and Palm Beach, Florida. Malvern Bancorp, Inc. was founded in 1887 and is headquartered in Paoli, Pennsylvania.

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