Kentucky First Federal Bancorp (NASDAQ:KFFB – Get Free Report) and Pathfinder Bancorp (NASDAQ:PBHC – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, profitability, risk, valuation, dividends and earnings.
Analyst Ratings
This is a breakdown of recent ratings for Kentucky First Federal Bancorp and Pathfinder Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Kentucky First Federal Bancorp | 0 | 1 | 0 | 0 | 2.00 |
| Pathfinder Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Valuation and Earnings
This table compares Kentucky First Federal Bancorp and Pathfinder Bancorp”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 | $19.74 million | 1.87 | $180,000.00 | $0.17 | 26.82 |
| Pathfinder Bancorp | $79.15 million | 0.86 | -$1.93 million | ($0.63) | -22.06 |
Kentucky First Federal Bancorp has higher earnings, but lower revenue than Pathfinder Bancorp. Pathfinder Bancorp is trading at a lower price-to-earnings ratio than Kentucky First Federal Bancorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Kentucky First Federal Bancorp and Pathfinder Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Kentucky First Federal Bancorp | 6.67% | 2.87% | 0.38% |
| Pathfinder Bancorp | -4.96% | -3.20% | -0.27% |
Risk & Volatility
Kentucky First Federal Bancorp has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.18, suggesting that its share price is 82% less volatile than the S&P 500.
Institutional & Insider Ownership
3.2% of Kentucky First Federal Bancorp shares are owned by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are owned by institutional investors. 3.9% of Kentucky First Federal Bancorp shares are owned by company insiders. Comparatively, 15.4% of Pathfinder Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Summary
Kentucky First Federal Bancorp beats Pathfinder Bancorp on 8 of the 12 factors compared between the two stocks.
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. It accepts 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. It also invests in mortgage-backed securities. The company was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp is a subsidiary of First Federal MHC.
About Pathfinder Bancorp
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. The company was founded in 1859 and is headquartered in Oswego, New York.
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