Glen Burnie Bancorp (GLBZ) vs Kentucky First Federal Bancorp (KFFB)

Glen Burnie Bancorp 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 $12.3M — 3.8× the size. Glen Burnie Bancorp has negative trailing earnings, so its P/E is not meaningful; Kentucky First Federal Bancorp trades at 32.8×. Glen Burnie Bancorp grew revenue faster over the last twelve months: 13.4% against 10.0%. Kentucky First Federal Bancorp has the higher net margin (6.67% vs −0.84%) and the higher return on invested capital (1.56% vs −2.07%). Both pay a dividend; Kentucky First Federal Bancorp yields more (7.69% vs 5.77%). Across the 17 metrics below, Kentucky First Federal Bancorp leads on 11 and Glen Burnie Bancorp on 6.

Valuation

Metric GLBZ KFFB Banks Regional median
P/E n/m 32.82 12.15
P/S 0.70 2.14 2.37
P/B 0.61 0.91 1.21
Price to free cash flow n/m 48.57 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.43 3.46 2.27
Earnings yield (1.19%) 3.05% 8.11%
Free cash flow yield (6.98%) 2.06% 8.98%

Profitability

Metric GLBZ KFFB Banks Regional median
Gross margin 73.74% 51.82% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.84%) 6.67% 18.66%
Free cash flow margin 0.00% 4.41% 21.18%
Return on equity (0.78%) 2.87% 10.64%
Return on assets (0.04%) 0.37% 1.13%
Return on invested capital (2.07%) 1.56% 8.33%

Growth

Metric GLBZ KFFB Banks Regional median
Revenue growth (TTM) 13.36% 10.02% 6.61%
EPS growth (last fiscal year) 75.00% 109.52% —
Revenue growth, 5-year CAGR 3.06% 8.34% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric GLBZ KFFB Banks Regional median
Debt to equity 0.00 0.99 0.22
Current ratio 0.73 1.28 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GLBZ KFFB Banks Regional median
Dividend yield 5.77% 7.69% 3.75%
Payout ratio 0.60 3.64 0.27

Size

Metric GLBZ KFFB Banks Regional median
Market cap 12.26m 46.70m 921.07m

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