Reviewing Bank Of Kentucky Financial (BKYF) & Walter Investment Management (WAC)
Bank Of Kentucky Financial (NASDAQ: BKYF) and Walter Investment Management (NYSE:WAC) are both small-cap financials companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, profitability, institutional ownership, earnings, valuation, dividends and analyst recommendations.
This is a summary of recent ratings and price targets for Bank Of Kentucky Financial and Walter Investment Management, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Bank Of Kentucky Financial||0||0||0||0||N/A|
|Walter Investment Management||1||1||0||0||1.50|
This table compares Bank Of Kentucky Financial and Walter Investment Management’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Bank Of Kentucky Financial||21.85%||8.12%||0.86%|
|Walter Investment Management||-22.21%||-796.24%||-0.70%|
Insider and Institutional Ownership
40.9% of Walter Investment Management shares are owned by institutional investors. 46.6% of Walter Investment Management shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Valuation and Earnings
This table compares Bank Of Kentucky Financial and Walter Investment Management’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Bank Of Kentucky Financial||N/A||N/A||N/A||$2.30||22.17|
|Walter Investment Management||$995.72 million||0.02||-$833.85 million||($6.52)||-0.08|
Bank Of Kentucky Financial has higher earnings, but lower revenue than Walter Investment Management. Walter Investment Management is trading at a lower price-to-earnings ratio than Bank Of Kentucky Financial, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Bank Of Kentucky Financial has a beta of 0.82, suggesting that its stock price is 18% less volatile than the S&P 500. Comparatively, Walter Investment Management has a beta of 0.73, suggesting that its stock price is 27% less volatile than the S&P 500.
Bank Of Kentucky Financial beats Walter Investment Management on 5 of the 9 factors compared between the two stocks.
Bank Of Kentucky Financial 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.
Walter Investment Management Company Profile
Walter Investment Management Corp. is a diversified mortgage banking firm focused primarily on the servicing and origination of residential loans, including reverse loans. The Company operates through three segments: Servicing, Originations and Reverse Mortgage. The Servicing segment consists of operations that perform servicing for third-party credit owners of mortgage loans, as well as its own mortgage loan portfolio. The Servicing segment also includes Insurance, and Loans and Residuals businesses. The Originations segment consists of operations that originate and purchase mortgage loans that are intended for sale to third parties. The Reverse Mortgage segment consists of operations which purchases and originates home equity conversion mortgage that are securitized, but remain on the consolidated balance sheet as collateral for secured borrowings.
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