Kentucky First Federal Bancorp (NASDAQ:KFFB – Get Free Report) and ServisFirst Bancshares (NYSE:SFBS – Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, dividends, institutional ownership, earnings, valuation, risk and analyst recommendations.
Volatility and Risk
Kentucky First Federal Bancorp has a beta of 0.1, meaning that its share price is 90% less volatile than the S&P 500. Comparatively, ServisFirst Bancshares has a beta of 0.91, meaning that its share price is 9% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of recent recommendations for Kentucky First Federal Bancorp and ServisFirst Bancshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Kentucky First Federal Bancorp | 0 | 1 | 0 | 0 | 2.00 |
| ServisFirst Bancshares | 0 | 1 | 2 | 2 | 3.20 |
Profitability
This table compares Kentucky First Federal Bancorp and ServisFirst Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Kentucky First Federal Bancorp | 4.04% | 1.71% | 0.22% |
| ServisFirst Bancshares | 26.95% | 16.36% | 1.61% |
Valuation & Earnings
This table compares Kentucky First Federal Bancorp and ServisFirst Bancshares”s top-line 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 | 1.92 | $180,000.00 | $0.10 | 46.75 |
| ServisFirst Bancshares | $1.02 billion | 4.33 | $276.60 million | $5.06 | 15.95 |
ServisFirst Bancshares has higher revenue and earnings than Kentucky First Federal Bancorp. ServisFirst Bancshares 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.
Institutional & Insider Ownership
3.2% of Kentucky First Federal Bancorp shares are owned by institutional investors. Comparatively, 67.3% of ServisFirst Bancshares shares are owned by institutional investors. 3.9% of Kentucky First Federal Bancorp shares are owned by company insiders. Comparatively, 6.7% of ServisFirst Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Summary
ServisFirst Bancshares beats Kentucky First Federal Bancorp on 14 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. 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 ServisFirst Bancshares
ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides various banking services to individual and corporate customers. It accepts demand, time, savings, and other deposits; checking, money market, and IRA accounts; and certificates of deposit. The company's loan products include commercial lending products, including seasonal, bridge, and term loans for working capital, expansion of the business, acquisition of property, and plant and equipment, as well as commercial lines of credit; commercial real estate loans, construction and development loans, and residential real estate loans; and consumer loans, such as home equity loans, vehicle financing, loans secured by deposits, and secured and unsecured personal loans. It also offers other banking products and services comprising telephone and mobile banking, Internet banking, direct deposit, traveler's checks, safe deposit boxes, attorney trust accounts, automatic account transfers, automated teller machines, and debit and credit card systems; treasury and cash management services; wire transfer, night depository, banking-by-mail, and remote capture services; and correspondent banking services to other financial institutions. In addition, the company holds and manages participations in residential mortgages and commercial real estate loans originated by ServisFirst Bank in Alabama, Florida, Georgia, and Tennessee. The company was founded in 2005 and is headquartered in Birmingham, Alabama.
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