Analyzing Fifth District Savings Bank (NASDAQ:FDSB) and Kearny Financial (NASDAQ:KRNY)

Fifth District Savings Bank (NASDAQ:FDSB) and Kearny Financial (NASDAQ:KRNY) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, dividends, risk, analyst recommendations, institutional ownership, valuation and earnings.

Profitability

This table compares Fifth District Savings Bank and Kearny Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Fifth District Savings Bank	N/A	N/A	N/A
Kearny Financial	-27.43%	3.05%	0.31%

Analyst Ratings

This is a breakdown of current recommendations and price targets for Fifth District Savings Bank and Kearny Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fifth District Savings Bank	0	0	0	0	0.00
Kearny Financial	0	1	0	0	2.00

Kearny Financial has a consensus price target of $7.00, suggesting a potential upside of 1.74%. Given Kearny Financial’s stronger consensus rating and higher probable upside, analysts clearly believe Kearny Financial is more favorable than Fifth District Savings Bank.

Insider and Institutional Ownership

71.0% of Kearny Financial shares are owned by institutional investors. 8.6% of Kearny Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Fifth District Savings Bank and Kearny Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fifth District Savings Bank	$9.32 million	7.53	N/A	N/A	N/A
Kearny Financial	$134.50 million	3.30	-$86.67 million	($1.45)	-4.74

Fifth District Savings Bank has higher earnings, but lower revenue than Kearny Financial.

Summary

Kearny Financial beats Fifth District Savings Bank on 7 of the 9 factors compared between the two stocks.

About Fifth District Savings Bank

Fifth District Bancorp, Inc. is the holding company for Fifth District Savings Bank which provide all banking services. Fifth District Bancorp, Inc. is based in NEW ORLEANS.

About Kearny Financial

Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. It offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts. The company also provides various loans, such as multi-family and nonresidential real estate mortgage loans, commercial term loans and lines of credit, one- to four-family residential mortgage loans, and home equity loans and lines of credit; loans to individuals, builders, or developers for the construction of multi-family residential buildings or commercial real estate, or for the construction or renovation of one- to four-family residences; overdraft lines of credit; and personal loans. In addition, it engages in the investment activities. Kearny Financial Corp. was founded in 1884 and is headquartered in Fairfield, New Jersey.