Generations Bancorp NY, Inc. (GBNY) vs Kentucky First Federal Bancorp (KFFB)

Generations Bancorp NY, Inc. and Kentucky First Federal Bancorp are both Banks Regional companies. Kentucky First Federal Bancorp is the larger, with a market value of $46.7M against $35.1M — 1.3× the size. Generations Bancorp NY, Inc. has negative trailing earnings, so its P/E is not meaningful; Kentucky First Federal Bancorp trades at 32.8×. Generations Bancorp NY, Inc. grew revenue faster over the last twelve months: 19.2% against 10.0%. Kentucky First Federal Bancorp has the higher net margin (6.67% vs −13.2%) and the higher return on invested capital (1.56% vs −4.85%). Across the 16 metrics below, Kentucky First Federal Bancorp leads on 11 and Generations Bancorp NY, Inc. on 5.

Valuation

Metric GBNY KFFB Banks Regional median
P/E n/m 32.82 12.15
P/S 1.74 2.14 2.37
P/B 0.98 0.91 1.21
Price to free cash flow n/m 48.57 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.15 3.46 2.27
Earnings yield (7.58%) 3.05% 8.11%
Free cash flow yield (0.12%) 2.06% 8.98%

Profitability

Metric GBNY KFFB Banks Regional median
Gross margin 51.21% 51.82% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (13.15%) 6.67% 18.66%
Free cash flow margin (0.21%) 4.41% 21.18%
Return on equity (7.27%) 2.87% 10.64%
Return on assets (0.66%) 0.37% 1.13%
Return on invested capital (4.85%) 1.56% 8.33%

Growth

Metric GBNY KFFB Banks Regional median
Revenue growth (TTM) 19.21% 10.02% 6.61%
EPS growth (last fiscal year) (253.00%) 109.52% —
Revenue growth, 5-year CAGR 8.97% 8.34% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric GBNY KFFB Banks Regional median
Debt to equity 0.60 0.99 0.22
Current ratio 0.99 1.28 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GBNY KFFB Banks Regional median
Dividend yield — 7.69% 3.75%
Payout ratio 0.00 3.64 0.27

Size

Metric GBNY KFFB Banks Regional median
Market cap 35.11m 46.70m 921.07m

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