First Bank (NASDAQ: FRBA) and Bank Of Kentucky Financial Corp (NASDAQ:BKYF) are both financials companies, but which is the superior business? We will contrast the two businesses based on the strength of their profitability, dividends, institutional ownership, risk, valuation, earnings and analyst recommendations.

Valuation and Earnings

This table compares First Bank and Bank Of Kentucky Financial Corp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
First Bank $31.35 million 6.37 $9.61 million $0.64 20.78
Bank Of Kentucky Financial Corp N/A N/A N/A N/A N/A

First Bank has higher revenue and earnings than Bank Of Kentucky Financial Corp.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for First Bank and Bank Of Kentucky Financial Corp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Bank 0 0 1 0 3.00
Bank Of Kentucky Financial Corp 0 0 0 0 N/A

First Bank presently has a consensus target price of $14.00, indicating a potential upside of 5.26%. Given First Bank’s higher probable upside, research analysts plainly believe First Bank is more favorable than Bank Of Kentucky Financial Corp.

Profitability

This table compares First Bank and Bank Of Kentucky Financial Corp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Bank 21.89% 7.18% 0.71%
Bank Of Kentucky Financial Corp 21.85% 8.12% 0.86%

Insider & Institutional Ownership

43.3% of First Bank shares are held by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Dividends

First Bank pays an annual dividend of $0.08 per share and has a dividend yield of 0.6%. Bank Of Kentucky Financial Corp does not pay a dividend. First Bank pays out 12.5% of its earnings in the form of a dividend.

Summary

First Bank beats Bank Of Kentucky Financial Corp on 6 of the 9 factors compared between the two stocks.

First Bank Company Profile

First Bank is a commercial bank. The Company provides a range of lending, deposit and other financial products and services. It operates through Community Banking segment, which is engaged in providing a range of commercial and retail and related banking services. It offers a range of lending products to meet the needs of its customers located within its market areas, including commercial and industrial loans, commercial real estate loans (including owner-occupied, investor, and multi-family loans), residential real estate loans, and consumer and other loans. It offers a range of deposit instruments, including non-interest bearing demand deposits, interest bearing demand accounts, money market accounts, savings accounts and certificates of deposit. It operates 14 branches located in Cranbury, Denville, Ewing, Flemington, Hamilton, Lawrence, Somerset, Randolph and Williamstown, New Jersey, and Trevose, Doylestown, Warminster, Bensalem and Levittown in Bucks County.

Bank Of Kentucky Financial Corp Company Profile

The Bank of Kentucky Financial Corporation is a bank holding company. The Company, through its subsidiary The Bank of Kentucky, Inc. (the Bank), is engaged in the banking business. The Bank provides financial services and other financial solutions through 32 offices located in northern Kentucky. The principal products produced and services rendered by the Bank include commercial banking, consumer banking and trust services. The Bank provides a range of commercial banking services to corporations and other business clients that include loans and deposit services, including checking, lockbox services and other treasury management services. The Bank provides banking services to consumers, including checking, savings and money market accounts, as well as certificates of deposits and individual retirement accounts. It also offers specialized services in the areas of fiduciary services and wealth management.

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