Analyzing Kentucky First Federal Bancorp (NASDAQ:KFFB) & Bancorp 34 (NASDAQ:BCTF)

Kentucky First Federal Bancorp (NASDAQ:KFFB) and Bancorp 34 (NASDAQ:BCTF) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, profitability, risk, institutional ownership and earnings.

Analyst Ratings

This is a summary of current recommendations and price targets for Kentucky First Federal Bancorp and Bancorp 34, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Kentucky First Federal Bancorp 0 0 0 0 N/A
Bancorp 34 0 0 0 0 N/A

Risk and Volatility

Kentucky First Federal Bancorp has a beta of 0.49, meaning that its share price is 51% less volatile than the S&P 500. Comparatively, Bancorp 34 has a beta of 0.72, meaning that its share price is 28% less volatile than the S&P 500.

Insider & Institutional Ownership

2.7% of Kentucky First Federal Bancorp shares are owned by institutional investors. Comparatively, 14.7% of Bancorp 34 shares are owned by institutional investors. 5.1% of Kentucky First Federal Bancorp shares are owned by insiders. Comparatively, 6.4% of Bancorp 34 shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Kentucky First Federal Bancorp and Bancorp 34’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 5.10 $1.32 million N/A N/A
Bancorp 34 $32.81 million 1.58 $1.07 million N/A N/A

Kentucky First Federal Bancorp has higher earnings, but lower revenue than Bancorp 34.

Profitability

This table compares Kentucky First Federal Bancorp and Bancorp 34’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Kentucky First Federal Bancorp 4.15% 0.78% 0.16%
Bancorp 34 2.26% 1.60% 0.20%

Dividends

Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.2%. Bancorp 34 pays an annual dividend of $0.20 per share and has a dividend yield of 1.3%.

Summary

Bancorp 34 beats Kentucky First Federal Bancorp on 6 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.

Bancorp 34 Company Profile

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand deposits, NOW accounts, and certificates of deposit, as well as commercial checking accounts and related services, including online cash management. The company also originates commercial real estate loans, multi-family real estate loans, commercial and industrial loans, construction and land development loans, one- to four-family residential real estate loans, and consumer and other loans. It operates 4 full-service banking centers, including 1 each in Otero and Dona Ana Counties, New Mexico; and 2 in Maricopa County, Arizona, as well as 10 residential mortgage and commercial loan production offices in Texas, Arizona, New Mexico, Oregon, and Washington. Bancorp 34, Inc. was founded in 1934 and is headquartered in Alamogordo, New Mexico.

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.