Critical analysis of First Bancorp of Indiana (OTCMKTS:FBPI) and Kentucky First Federal Bancorp (NASDAQ:KFFB)
Critical analysis of First Bancorp of Indiana (OTCMKTS:FBPI) and Kentucky First Federal Bancorp (NASDAQ:KFFB)

Indiana’s First Bancorp (OTCMKTS: FBPIGet a rating) and Kentucky First Federal Bancorp (NASDAQ: KFFBGet a rating) are both small cap finance companies, but which business is superior? We will compare the two companies based on the strength of their analyst recommendations, earnings, dividends, risk, institutional ownership, profitability and valuation.

Risk and Volatility

First Bancorp of Indiana has a beta of 0.41, indicating that its stock price is 59% less volatile than the S&P 500. In comparison, Kentucky First Federal Bancorp has a beta of 0.46, indicating that the its share price is 54% less volatile than the S&P. 500.

Profitability

This table compares the net margins, return on equity, and return on assets of First Bancorp of Indiana and Kentucky First Federal Bancorp.

Net margins Return on equity return on assets
Indiana’s First Bancorp N / A N / A N / A
First Federal Bank of Kentucky 17.65% 4.23% 0.66%

Valuation and benefits

This table compares the gross revenue, earnings per share (EPS), and valuation of First Bancorp of Indiana and Kentucky First Federal Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Indiana’s First Bancorp N / A N / A N / A N / A N / A
First Federal Bank of Kentucky $12.75 million 4.66 $1.82 million $0.27 26.78

Kentucky First Federal Bancorp has higher revenue and profit than First Bancorp of Indiana.

Dividends

First Bancorp of Indiana pays an annual dividend of $0.62 per share and has a dividend yield of 2.9%. Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.5%. Kentucky First Federal Bancorp pays out 148.2% of its earnings as a dividend, suggesting it may not have enough earnings to cover its dividend payment in the future.

Institutional and insider ownership

3.5% of the shares of Kentucky First Federal Bancorp are held by institutional investors. 20.0% of the shares of First Bancorp of Indiana are held by insiders. By comparison, 4.7% of Kentucky First Federal Bancorp’s stock is held by insiders. Strong institutional ownership indicates that hedge funds, endowments, and large fund managers believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of current ratings and price targets for First Bancorp of Indiana and Kentucky First Federal Bancorp, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Indiana’s First Bancorp 0 0 0 0 N / A
First Federal Bank of Kentucky 0 0 0 0 N / A

Summary

Kentucky First Federal Bancorp beats First Bancorp of Indiana on 7 out of 9 factors compared between the two stocks.

First Bancorp of Indiana Company Profile (Get a rating)

First Bancorp of Indiana, Inc. operates as a bank holding company for First Federal Savings Bank which provides various personal and business banking products and services. The company accepts various deposits; and offers loans including one to four family commercial mortgages, multi-family commercial mortgages, secured commercial loans, unsecured commercial loans, one to four family residential mortgages, second lien residential mortgages and consumer loans, as well as home equity lines of credit. It is also involved in the management of marketable securities portfolios; and provides safe deposit box, check cashing and cashier’s check, wire transfer and brokerage services. The company operates 9 full-service offices in southwest Indiana; and 1 loan production office in Henderson, Kentucky. First Bancorp of Indiana, Inc. was founded in 1904 and is based in Evansville, Indiana.

Kentucky First Federal Bancorp Company Profile (Get a rating)

Kentucky First Federal Bancorp operates as a holding company for the First Federal Savings and Loan Association of Hazard and Frankfort First Bancorp, Inc. which provide various banking products and services in Kentucky. The Company accepts deposit products including passbook savings and certificate accounts, checking accounts and individual retirement accounts. Its loan portfolio includes one to four family residential mortgages; building loans; mortgage loans secured by multifamily property; non-residential loans secured by commercial office buildings, churches and properties used for other purposes; non-mortgage commercial loans; and consumer loans, such as home equity lines of credit, loans secured by savings deposits, auto loans, and unsecured or personal loans. The company also invests in mortgage-backed securities. It operates 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 MHC.



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