Northeast Community Bancorp (OTCMKTS:NECB) and Kentucky First Federal Bancorp (NASDAQ:KFFB) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, analyst recommendations, profitability, dividends, institutional ownership, earnings and valuation.
Earnings & Valuation
This table compares Northeast Community Bancorp and Kentucky First Federal Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Northeast Community Bancorp||$39.55 million||3.56||$8.05 million||N/A||N/A|
|Kentucky First Federal Bancorp||$12.58 million||5.01||$1.32 million||N/A||N/A|
Northeast Community Bancorp has higher revenue and earnings than Kentucky First Federal Bancorp.
Risk & Volatility
Northeast Community Bancorp has a beta of 0.44, indicating that its stock price is 56% less volatile than the S&P 500. Comparatively, Kentucky First Federal Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500.
Insider and Institutional Ownership
1.4% of Northeast Community Bancorp shares are held by institutional investors. Comparatively, 2.6% of Kentucky First Federal Bancorp shares are held by institutional investors. 0.9% of Northeast Community Bancorp shares are held by insiders. Comparatively, 5.1% of Kentucky First Federal Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
This table compares Northeast Community Bancorp and Kentucky First Federal Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Northeast Community Bancorp||N/A||N/A||N/A|
|Kentucky First Federal Bancorp||3.85%||0.71%||0.15%|
This is a summary of recent recommendations and price targets for Northeast Community Bancorp and Kentucky First Federal Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Northeast Community Bancorp||0||0||0||0||N/A|
|Kentucky First Federal Bancorp||0||0||0||0||N/A|
Northeast Community Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.0%. Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.3%.
Kentucky First Federal Bancorp beats Northeast Community Bancorp on 8 of the 10 factors compared between the two stocks.
About Northeast Community Bancorp
Northeast Community Bancorp, Inc. operates as the holding company for Northeast Community Bank that provides various financial services to consumers and businesses. The company accepts deposit products, such as checking accounts, money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. Its loan products include multi-family, mixed-use, and non-residential real estate loans; commercial and industrial loans; construction loans; consumer loans; passbook, term, small business administration, and cooperative building loans; and revolving lines of credit. The company also offers various ATM/debit, credit, and gift cards; and investment advisory and financial planning, direct and remote deposit, wire transfer, automated clearing house, credit card merchant, coin and currency, and cash management services, as well as Internet, mobile, and telephone banking services. It operates four full-service branches in New York; three full-service branches in Massachusetts; and a loan production office in New City, New York. The company was founded in 1934 and is headquartered in White Plains, New York. Northeast Community Bancorp, Inc. is a subsidiary of Northeast Community Bancorp, MHC.
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.
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