Kentucky First Federal Bancorp (NASDAQ:KFFB) and OceanFirst Financial (NASDAQ:OCFC) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, earnings, institutional ownership and dividends.
Risk & Volatility
Kentucky First Federal Bancorp has a beta of 0.49, suggesting that its stock price is 51% less volatile than the S&P 500. Comparatively, OceanFirst Financial has a beta of 0.73, suggesting that its stock price is 27% less volatile than the S&P 500.
Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.1%. OceanFirst Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.1%. OceanFirst Financial pays out 34.3% of its earnings in the form of a dividend. OceanFirst Financial has increased its dividend for 5 consecutive years.
This table compares Kentucky First Federal Bancorp and OceanFirst Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Kentucky First Federal Bancorp||4.15%||0.78%||0.16%|
Earnings & Valuation
This table compares Kentucky First Federal Bancorp and OceanFirst Financial’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Kentucky First Federal Bancorp||$12.58 million||5.22||$1.32 million||N/A||N/A|
|OceanFirst Financial||$311.48 million||3.58||$71.93 million||$1.98||11.02|
OceanFirst Financial has higher revenue and earnings than Kentucky First Federal Bancorp.
This is a breakdown of recent ratings and recommmendations for Kentucky First Federal Bancorp and OceanFirst Financial, 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|
OceanFirst Financial has a consensus price target of $25.25, suggesting a potential upside of 15.72%. Given OceanFirst Financial’s higher possible upside, analysts plainly believe OceanFirst Financial is more favorable than Kentucky First Federal Bancorp.
Institutional & Insider Ownership
2.7% of Kentucky First Federal Bancorp shares are owned by institutional investors. Comparatively, 68.6% of OceanFirst Financial shares are owned by institutional investors. 5.1% of Kentucky First Federal Bancorp shares are owned by insiders. Comparatively, 3.6% of OceanFirst Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
OceanFirst Financial beats Kentucky First Federal Bancorp on 10 of the 15 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. 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.
About OceanFirst Financial
OceanFirst Financial Corp. operates as the holding company for OceanFirst Bank N.A. that provides a range of community banking services. The company offers various deposit products to retail, government, and business customers, including money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits. It also provides commercial real estate, multi-family mortgage, and land loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; consumer loans, such as home equity loans and lines of credit, student loans, overdraft line of credit, loans on savings accounts, and other consumer loans; and commercial and industrial loans, and lines of credit. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. Further, it offers bankcard and wealth management services; and sells alternative investment products and life insurance products. The company operates through its branch office in Toms River; administrative office located in Red Bank; and 58 additional branch offices and 3 deposit production facilities located throughout central and southern New Jersey, as well as commercial loan production offices in New York City, the Philadelphia area and Atlantic, Cape May, and Mercer Counties in New Jersey. OceanFirst Financial Corp. was founded in 1902 and is based in Red Bank, New Jersey.
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