Flushing Financial (NASDAQ:FFIC – Get Free Report) and Kentucky First Federal Bancorp (NASDAQ:KFFB – Get Free Report) 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, risk, institutional ownership, earnings, dividends, analyst recommendations and valuation.
Profitability
This table compares Flushing Financial and Kentucky First Federal Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Flushing Financial | 7.15% | 6.25% | 0.50% |
| Kentucky First Federal Bancorp | 6.67% | 2.87% | 0.38% |
Analyst Ratings
This is a summary of current recommendations and price targets for Flushing Financial and Kentucky First Federal Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Flushing Financial | 0 | 3 | 1 | 0 | 2.25 |
| Kentucky First Federal Bancorp | 0 | 1 | 0 | 0 | 2.00 |
Valuation and Earnings
This table compares Flushing Financial and Kentucky First Federal Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Flushing Financial | $489.63 million | 1.07 | $18.88 million | $1.00 | 15.49 |
| Kentucky First Federal Bancorp | $19.74 million | 2.04 | $180,000.00 | $0.17 | 29.35 |
Flushing Financial has higher revenue and earnings than Kentucky First Federal Bancorp. Flushing Financial 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 and Insider Ownership
67.1% of Flushing Financial shares are owned by institutional investors. Comparatively, 3.2% of Kentucky First Federal Bancorp shares are owned by institutional investors. 5.7% of Flushing Financial shares are owned by insiders. Comparatively, 3.9% of Kentucky First Federal Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Risk and Volatility
Flushing Financial has a beta of 0.74, meaning that its share price is 26% less volatile than the S&P 500. Comparatively, Kentucky First Federal Bancorp has a beta of 0.16, meaning that its share price is 84% less volatile than the S&P 500.
Summary
Flushing Financial beats Kentucky First Federal Bancorp on 12 of the 14 factors compared between the two stocks.
About Flushing Financial
Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, and governmental units. It offers various deposit products, including checking and savings accounts, money market accounts, non-interest bearing demand accounts, NOW accounts, and certificates of deposit. The company also provides mortgage loans secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, one-to-four family residential property, and commercial business loans; construction loans; small business administration loans and other small business loans; mortgage loan surrogates, such as mortgage-backed securities; and consumer loans, including overdraft lines of credit, as well as the United States government securities, corporate fixed-income securities, and other marketable securities. It operates full-service banking offices in Queens, Nassau, Suffolk, Kings, and New York counties, New York; and an internet branch under the iGObanking and BankPurely brands. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.
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.
Receive News & Ratings for Flushing Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Flushing Financial and related companies with MarketBeat.com's FREE daily email newsletter.
