Critical Survey: Cortland Bancorp (OTCMKTS:CLDB) and Kentucky First Federal Bancorp (OTCMKTS:KFFB)

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

Profitability

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

Net Margins Return on Equity Return on Assets
Kentucky First Federal Bancorp 6.31% 1.22% 0.25%
Cortland Bancorp 26.40% 14.41% 1.32%

Volatility and Risk

Kentucky First Federal Bancorp has a beta of 0.47, indicating that its stock price is 53% less volatile than the S&P 500. Comparatively, Cortland Bancorp has a beta of 0.13, indicating that its stock price is 87% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and recommmendations for Kentucky First Federal Bancorp and Cortland Bancorp, as reported by MarketBeat.

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

Dividends

Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.5%. Cortland Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 2.0%.

Insider & Institutional Ownership

2.8% of Kentucky First Federal Bancorp shares are owned by institutional investors. Comparatively, 1.6% of Cortland Bancorp shares are owned by institutional investors. 5.1% of Kentucky First Federal Bancorp shares are owned by insiders. Comparatively, 9.5% of Cortland Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Kentucky First Federal Bancorp and Cortland Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Kentucky First Federal Bancorp $12.94 million 4.68 $810,000.00 N/A N/A
Cortland Bancorp $33.46 million 2.85 $8.84 million N/A N/A

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

Summary

Cortland Bancorp 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.

Cortland Bancorp Company Profile

Cortland Bancorp operates as the bank holding company for The Cortland Savings and Banking Company that provides commercial and retail banking services in Northeastern Ohio and Western Pennsylvania. Its deposit products include demand deposits, savings, money market, time deposit, and checking accounts. The company's loan portfolio comprises commercial loans consisting of commercial, financial loans, real estate construction and development loans, commercial real estate loans, small business lending, and trade financing; and consumer loans, such as residential real estate, home equity, and installment loans. It also provides brokerage and investment services; asset management services; night depository services, automated teller services, safe deposit boxes, and other services; and Internet and mobile banking options. As of February 4, 2019, it operated through 14 offices located in the Summit, Trumbull, Mahoning, Portage, and Ashtabula counties in Northeast Ohio. The company was founded in 1892 and is headquartered in Cortland, Ohio.

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