Contrasting Kentucky Bancshares (OTCMKTS:KTYB) & Dime Community Bancshares (NASDAQ:DCOM)

Dime Community Bancshares (NASDAQ:DCOM) and Kentucky Bancshares (OTCMKTS:KTYB) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, dividends, earnings, analyst recommendations, profitability, institutional ownership and risk.

Earnings and Valuation

This table compares Dime Community Bancshares and Kentucky Bancshares”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Dime Community Bancshares	$386.39 million	3.22	$29.08 million	$1.14	24.87
Kentucky Bancshares	N/A	N/A	N/A	N/A	N/A

Dime Community Bancshares has higher revenue and earnings than Kentucky Bancshares.

Analyst Ratings

This is a summary of recent ratings and price targets for Dime Community Bancshares and Kentucky Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Dime Community Bancshares	1	1	4	0	2.50
Kentucky Bancshares	0	0	0	0	0.00

Dime Community Bancshares presently has a consensus target price of $35.13, suggesting a potential upside of 23.88%. Given Dime Community Bancshares’ stronger consensus rating and higher probable upside, research analysts clearly believe Dime Community Bancshares is more favorable than Kentucky Bancshares.

Profitability

This table compares Dime Community Bancshares and Kentucky Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Dime Community Bancshares	8.72%	7.81%	0.71%
Kentucky Bancshares	N/A	N/A	N/A

Institutional & Insider Ownership

75.3% of Dime Community Bancshares shares are held by institutional investors. 7.1% of Dime Community Bancshares shares are held by company insiders. Comparatively, 15.0% of Kentucky Bancshares shares are held by company 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.

Summary

Dime Community Bancshares beats Kentucky Bancshares on 8 of the 9 factors compared between the two stocks.

About Dime Community Bancshares

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. The company accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. It also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; letters of credit; secured and unsecured commercial and consumer loans; lines of credit; home equity loans; and construction and land loans. In addition, the company invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, it offers certificate of deposit account registry services and insured cash sweep programs; federal deposit insurance corporation insurance; merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services for small and medium sized businesses, and municipal and consumer relationships. The company was founded in 1910 and is headquartered in Hauppauge, New York.

About Kentucky Bancshares

Kentucky Bancshares, Inc. operates as the bank holding company for Kentucky Bank that provides commercial and consumer banking products and services. It accepts various deposit products, including checking, savings, and money market accounts; and certificates of deposit, safe deposits, interest and noninterest bearing deposits, and time deposits. The company also offers commercial, agricultural, and real estate loans to small-to-medium-sized industrial, service, and agricultural businesses; and residential mortgages, installments, and other loans to individual and other non-commercial customers. In addition, it provides credit cards and other consumer-oriented financial services; brokerage services, annuities, life and long-term care insurance, personal trust, and agency services; and Internet banking services, such as bill payment. The company has operations in Bourbon, Clark, Elliott, Fayette, Harrison, Jessamine, Madison, Rowan, Scott, Woodford, and other counties in Kentucky. Kentucky Bancshares, Inc. was founded in 1851 and is headquartered in Paris, Kentucky.