Pathfinder Bancorp (NASDAQ:PBHC – Get Free Report) and Kentucky First Federal Bancorp (NASDAQ:KFFB – Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, valuation, dividends, profitability, institutional ownership, risk and analyst recommendations.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for Pathfinder Bancorp and Kentucky First Federal Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pathfinder Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| Kentucky First Federal Bancorp | 0 | 1 | 0 | 0 | 2.00 |
Profitability
This table compares Pathfinder Bancorp and Kentucky First Federal Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Pathfinder Bancorp | -4.96% | -3.20% | -0.27% |
| Kentucky First Federal Bancorp | 6.67% | 2.87% | 0.38% |
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pathfinder Bancorp | $79.15 million | 0.84 | -$1.93 million | ($0.63) | -21.68 |
| Kentucky First Federal Bancorp | $19.74 million | 1.92 | $180,000.00 | $0.17 | 27.62 |
Kentucky First Federal Bancorp has lower revenue, but higher earnings 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.
Insider & Institutional Ownership
26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 3.2% of Kentucky First Federal Bancorp shares are held by institutional investors. 15.4% of Pathfinder Bancorp shares are held by company insiders. Comparatively, 3.9% of Kentucky First Federal Bancorp shares are held by company insiders. 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.
Volatility & Risk
Pathfinder Bancorp has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500. Comparatively, Kentucky First Federal Bancorp has a beta of 0.13, suggesting that its stock price is 87% 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 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.
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 Pathfinder Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Pathfinder Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.
