FSB Bancorp (NASDAQ:FSBC) and Kentucky First Federal Bancorp (NASDAQ:KFFB) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, earnings, risk, profitability, analyst recommendations, institutional ownership and dividends.
Earnings & Valuation
This table compares FSB Bancorp and Kentucky First Federal Bancorp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|FSB Bancorp||$15.26 million||2.16||$140,000.00||N/A||N/A|
|Kentucky First Federal Bancorp||$12.94 million||4.68||$810,000.00||N/A||N/A|
Kentucky First Federal Bancorp has lower revenue, but higher earnings than FSB Bancorp.
Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.5%. FSB Bancorp does not pay a dividend.
This is a breakdown of recent ratings and target prices for FSB Bancorp and Kentucky First Federal Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Kentucky First Federal Bancorp||0||0||0||0||N/A|
Risk and Volatility
FSB Bancorp has a beta of 0.88, meaning that its share price is 12% less volatile than the S&P 500. Comparatively, Kentucky First Federal Bancorp has a beta of 0.47, meaning that its share price is 53% less volatile than the S&P 500.
Institutional & Insider Ownership
21.0% of FSB Bancorp shares are held by institutional investors. Comparatively, 2.8% of Kentucky First Federal Bancorp shares are held by institutional investors. 9.2% of FSB 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 large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
This table compares FSB Bancorp and Kentucky First Federal 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%|
Kentucky First Federal Bancorp beats FSB Bancorp on 6 of the 10 factors compared between the two stocks.
About FSB Bancorp
FSB Bancorp, Inc. operates as the bank holding company for Fairport Savings Bank that provides various financial services to individuals and corporate customers in Monroe County, New York. The company accepts savings, negotiable order of withdrawal, money market, and individual retirement accounts, as well as certificates of deposit and non-interest-bearing demand deposits. It also originates one- to four-family residential real estate mortgages, and home equity lines of credit, as well as commercial real estate, multi-family, construction, and commercial and industrial loans; and other loans consisting of automobile, passbook, overdraft protection, and unsecured loans. In addition, the company offers investment advisory services, such as annuities, insurance products, and mutual funds. It operates through four branch offices located in Penfield, Irondequoit, Webster, and Perinton, New York; and loan origination offices in Pittsford and Greece in the Rochester metropolitan area, as well as in Buffalo and Watertown, New York. The company was formerly known as FSB Community Bankshares, Inc. and changed its name to FSB Bancorp, Inc. in July 2016. FSB Bancorp, Inc. was founded in 1888 and is headquartered in Fairport, New York.
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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