Kentucky First Federal Bancorp (NASDAQ:KFFB) and NASB Financial (OTCMKTS:NASB) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, analyst recommendations, risk, profitability, earnings, institutional ownership and dividends.
Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.3%. NASB Financial pays an annual dividend of $2.00 per share and has a dividend yield of 4.9%.
Volatility and Risk
Kentucky First Federal Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500. Comparatively, NASB Financial has a beta of -0.02, indicating that its stock price is 102% less volatile than the S&P 500.
This is a summary of current ratings and price targets for Kentucky First Federal Bancorp and NASB Financial, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Kentucky First Federal Bancorp||0||0||0||0||N/A|
This table compares Kentucky First Federal Bancorp and NASB Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Kentucky First Federal Bancorp||3.85%||0.71%||0.15%|
Institutional and Insider Ownership
2.6% of Kentucky First Federal Bancorp shares are owned by institutional investors. Comparatively, 0.3% of NASB Financial shares are owned by institutional investors. 5.1% of Kentucky First Federal Bancorp shares are owned by company insiders. Comparatively, 47.0% of NASB Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Earnings and Valuation
This table compares Kentucky First Federal Bancorp and NASB Financial’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||5.01||$1.32 million||N/A||N/A|
|NASB Financial||N/A||N/A||$29.13 million||N/A||N/A|
NASB Financial has lower revenue, but higher earnings than Kentucky First Federal Bancorp.
Kentucky First Federal Bancorp beats NASB Financial on 8 of the 10 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 NASB Financial
NASB Financial, Inc. operates as the unitary thrift holding company for North American Savings Bank, F.S.B. that provides various banking services in the United States. The company accepts a range of deposit products, which include demand deposit accounts, savings accounts, money market demand accounts, brokered accounts, and certificates of deposit. Its loan portfolio comprises mortgage loans secured by multifamily, construction, development, and commercial real estate properties; construction and land development loans; residential and business property loans; non-mortgage commercial and installment loans; and lease financing. The company operates 11 branch offices, 3 loan origination offices, and 1 customer service office. The company was founded in 1927 and is headquartered in Grandview, Missouri.
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