Bank Of Kentucky Financial Corp (NASDAQ: BKYF) and PennyMac Financial Services (NYSE:PFSI) are both financials companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, profitability, risk, earnings, valuation and institutional ownership.

Valuation and Earnings

This table compares Bank Of Kentucky Financial Corp and PennyMac Financial Services’ revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Bank Of Kentucky Financial Corp N/A N/A N/A N/A N/A
PennyMac Financial Services $1.24 billion 0.33 $69.82 million $2.97 5.77

PennyMac Financial Services has higher revenue and earnings than Bank Of Kentucky Financial Corp.

Insider and Institutional Ownership

86.6% of PennyMac Financial Services shares are owned by institutional investors. 45.6% of PennyMac Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Bank Of Kentucky Financial Corp and PennyMac Financial Services, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bank Of Kentucky Financial Corp 0 0 0 0 N/A
PennyMac Financial Services 1 1 4 0 2.50

PennyMac Financial Services has a consensus price target of $20.25, indicating a potential upside of 18.08%. Given PennyMac Financial Services’ higher probable upside, analysts plainly believe PennyMac Financial Services is more favorable than Bank Of Kentucky Financial Corp.

Profitability

This table compares Bank Of Kentucky Financial Corp and PennyMac Financial Services’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bank Of Kentucky Financial Corp 21.85% 8.12% 0.86%
PennyMac Financial Services 6.87% 4.79% 1.21%

Summary

PennyMac Financial Services beats Bank Of Kentucky Financial Corp on 6 of the 8 factors compared between the two stocks.

Bank Of Kentucky Financial Corp Company Profile

The Bank of Kentucky Financial Corporation is a bank holding company. The Company, through its subsidiary The Bank of Kentucky, Inc. (the Bank), is engaged in the banking business. The Bank provides financial services and other financial solutions through 32 offices located in northern Kentucky. The principal products produced and services rendered by the Bank include commercial banking, consumer banking and trust services. The Bank provides a range of commercial banking services to corporations and other business clients that include loans and deposit services, including checking, lockbox services and other treasury management services. The Bank provides banking services to consumers, including checking, savings and money market accounts, as well as certificates of deposits and individual retirement accounts. It also offers specialized services in the areas of fiduciary services and wealth management.

PennyMac Financial Services Company Profile

PennyMac Financial Services, Inc. (PFSI) is a financial services company. The Company is focused on the production and servicing of the United States residential mortgage loans and the management of investments related to the United States mortgage market. The Company operates through three segments: loan production, loan servicing and investment management. PFSI’s mortgage banking subsidiary, PennyMac Loan Services, LLC (PLS), is a non-bank producer and servicer of mortgage loans in the United States. As of December 31, 2016, PLS serviced loans in all 50 states, the District of Columbia, Guam and the United States Virgin Islands, and originated loans in 49 states and the District of Columbia. PFSI’s investment management subsidiary, PNMAC Capital Management, LLC (PCM), is an investment advisor. PLS is a seller and servicer for the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).

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