Home Federal Bancorp, Inc. of Louisiana (HFBL) vs Kentucky First Federal Bancorp (KFFB)

Home Federal Bancorp, Inc. of Louisiana and Kentucky First Federal Bancorp are both Banks Regional companies. Home Federal Bancorp, Inc. of Louisiana is the larger, with a market value of $76.1M against $46.7M — 1.6× the size. Home Federal Bancorp, Inc. of Louisiana trades at the lower P/E: 12.7× against 32.8×. Kentucky First Federal Bancorp grew revenue faster over the last twelve months: 10.0% against 5.66%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.3% vs 6.67%) and the higher return on invested capital (13.5% vs 1.56%). Both pay a dividend; Kentucky First Federal Bancorp yields more (7.69% vs 3.75%). Across the 20 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 13 and Kentucky First Federal Bancorp on 7.

Valuation

Metric HFBL KFFB Banks Regional median
P/E 12.65 32.82 12.15
P/S 2.18 2.14 2.37
P/B 1.29 0.91 1.21
Price to free cash flow 11.52 48.57 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.50 3.46 2.27
Earnings yield 7.90% 3.05% 8.11%
Free cash flow yield 8.68% 2.06% 8.98%

Profitability

Metric HFBL KFFB Banks Regional median
Gross margin 68.79% 51.82% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.27% 6.67% 18.66%
Free cash flow margin 18.93% 4.41% 21.18%
Return on equity 10.51% 2.87% 10.64%
Return on assets 0.94% 0.37% 1.13%
Return on invested capital 13.49% 1.56% 8.33%

Growth

Metric HFBL KFFB Banks Regional median
Revenue growth (TTM) 5.66% 10.02% 6.61%
EPS growth (last fiscal year) 6.78% 109.52% —
Revenue growth, 5-year CAGR 6.02% 8.34% 12.30%
Net income growth, 5-year CAGR 0.20% 0.00% 9.71%

Health

Metric HFBL KFFB Banks Regional median
Debt to equity 0.10 0.99 0.22
Current ratio 0.89 1.28 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HFBL KFFB Banks Regional median
Dividend yield 3.75% 7.69% 3.75%
Payout ratio 0.27 3.64 0.27

Size

Metric HFBL KFFB Banks Regional median
Market cap 76.06m 46.70m 921.07m

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