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Carver Bancorp, Inc. (CARV) vs Kentucky First Federal Bancorp (KFFB)

Carver Bancorp, Inc. and Kentucky First Federal Bancorp are both Banks Regional companies. Kentucky First Federal Bancorp is the larger, with a market value of $43.2M against $6.3M — 6.9× the size. Carver Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Kentucky First Federal Bancorp trades at 24.1×. Kentucky First Federal Bancorp grew revenue faster over the last twelve months: 8.53% against 5.17%. Kentucky First Federal Bancorp has the higher net margin (8.91% vs −18.7%) and the higher return on invested capital (1.95% vs −21.1%). Across the 16 metrics below, Kentucky First Federal Bancorp leads on 14 and Carver Bancorp, Inc. on 2.

Valuation

Metric CARV KFFB Banks Regional median
P/E n/m 24.09 12.46
P/S 0.29 2.09 2.41
P/B 6.84 0.89 1.26
Price to free cash flow n/m 40.32 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (73.51%) 4.15% 7.96%
Free cash flow yield (84.90%) 2.48% 8.80%

Profitability

Metric CARV KFFB Banks Regional median
Gross margin 68.30% 54.81% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin (18.71%) 8.91% 18.88%
Free cash flow margin 0.00% 5.19% 17.28%
Return on equity (176.08%) 3.87% 10.43%
Return on assets (1.09%) 0.52% 1.14%
Return on invested capital (21.13%) 1.95% 8.47%

Growth

Metric CARV KFFB Banks Regional median
Revenue growth (TTM) 5.17% 8.53% 6.94%
EPS growth (last fiscal year) 51.32% 1,100.00% 18.88%
Revenue growth, 5-year CAGR 8.93% 10.94% 12.56%
Net income growth, 5-year CAGR 0.00% 0.96% 9.78%

Health

Metric CARV KFFB Banks Regional median
Debt to equity 1.69 0.97 0.20
Current ratio 1.03 1.29 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CARV KFFB Banks Regional median
Dividend yield — 0.90% 2.64%
Payout ratio — 0.22 0.32

Size

Metric CARV KFFB Banks Regional median
Market cap 6.29m 43.18m 910.32m

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