Analyzing Oconee Federal Financial (OFED) and Kentucky First Federal Bancorp (KFFB)

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

Analyst Ratings

This is a summary of recent ratings and recommmendations for Kentucky First Federal Bancorp and Oconee Federal 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
Oconee Federal Financial 0 0 0 0 N/A

Profitability

This table compares Kentucky First Federal Bancorp and Oconee Federal 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%
Oconee Federal Financial 21.00% 4.74% 0.81%

Dividends

Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.2%. Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.5%.

Valuation & Earnings

This table compares Kentucky First Federal Bancorp and Oconee Federal Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Kentucky First Federal Bancorp $12.58 million 5.15 $1.32 million N/A N/A
Oconee Federal Financial $18.41 million 8.17 $3.03 million N/A N/A

Oconee Federal Financial has higher revenue and earnings than Kentucky First Federal Bancorp.

Volatility & Risk

Kentucky First Federal Bancorp has a beta of 0.51, suggesting that its stock price is 49% less volatile than the S&P 500. Comparatively, Oconee Federal Financial has a beta of 0.09, suggesting that its stock price is 91% less volatile than the S&P 500.

Institutional & Insider Ownership

2.6% of Kentucky First Federal Bancorp shares are owned by institutional investors. Comparatively, 4.2% of Oconee Federal Financial shares are owned by institutional investors. 5.1% of Kentucky First Federal Bancorp shares are owned by company insiders. Comparatively, 5.2% of Oconee Federal Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

Oconee Federal Financial beats Kentucky First Federal Bancorp on 8 of the 11 factors compared between the two stocks.

Kentucky First Federal Bancorp Company Profile

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.

Oconee Federal Financial Company Profile

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia. The company's deposit products include demand, NOW, money market, savings, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises one-to-four family residential mortgage loans; home equity loans and lines of credit; nonresidential real estate loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer loans. Oconee Federal Financial Corp. operates through its executive office and seven branch offices located in Oconee County, South Carolina; Stephens County, Georgia; and Rabun County, Georgia. The company was founded in 1924 and is based in Seneca, South Carolina. Oconee Federal Financial Corp. is a subsidiary of Oconee Federal, MHC.

Receive News & Ratings for Kentucky First Federal Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Kentucky First Federal Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.