Kentucky First Federal Bancorp (NASDAQ:KFFB) vs. Pathfinder Bancorp (NASDAQ:PBHC) Head-To-Head Review

Kentucky First Federal Bancorp (NASDAQ:KFFB) and Pathfinder Bancorp (NASDAQ:PBHC) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, dividends, institutional ownership, valuation, risk, analyst recommendations and earnings.

Valuation and Earnings

This table compares Kentucky First Federal Bancorp and Pathfinder Bancorp”s 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	1.89	$180,000.00	$0.17	27.06
Pathfinder Bancorp	$79.15 million	0.84	-$1.93 million	($0.63)	-21.60

Kentucky First Federal Bancorp has higher earnings, but lower revenue than Pathfinder Bancorp. Pathfinder Bancorp 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.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Kentucky First Federal Bancorp and Pathfinder Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Kentucky First Federal Bancorp	0	1	0	0	2.00
Pathfinder Bancorp	1	0	0	0	1.00

Profitability

This table compares Kentucky First Federal Bancorp and Pathfinder Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Kentucky First Federal Bancorp	6.67%	2.87%	0.38%
Pathfinder Bancorp	-4.96%	-3.20%	-0.27%

Insider & Institutional Ownership

3.2% of Kentucky First Federal Bancorp shares are held by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are held by institutional investors. 3.9% of Kentucky First Federal Bancorp shares are held by insiders. Comparatively, 15.4% of Pathfinder Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Volatility and Risk

Kentucky First Federal Bancorp has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.18, suggesting that its share price is 82% less volatile than the S&P 500.

Summary

Kentucky First Federal Bancorp beats Pathfinder Bancorp on 8 of the 12 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 Pathfinder Bancorp

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. The company was founded in 1859 and is headquartered in Oswego, New York.