Kentucky First Federal Bancorp (KFFB) vs Marathon Bancorp, Inc. (MBBC)

Kentucky First Federal Bancorp and Marathon Bancorp, Inc. are both Banks Regional companies. Kentucky First Federal Bancorp and Marathon Bancorp, Inc. are of similar size ($44.1M and $43.8M). Marathon Bancorp, Inc. trades at the lower P/E: 21.3× against 23.1×. Marathon Bancorp, Inc. grew revenue faster over the last twelve months: 23.6% against 8.53%. Marathon Bancorp, Inc. has the higher net margin (14.1% vs 8.91%) and the higher return on invested capital (2.98% vs 1.95%). Across the 18 metrics below, Marathon Bancorp, Inc. leads on 14 and Kentucky First Federal Bancorp on 4.

Valuation

Metric KFFB MBBC Banks Regional median
P/E 23.07 21.32 11.98
P/S 2.04 3.07 2.34
P/B 0.87 0.81 1.19
Price to free cash flow 39.31 19.32 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.34% 4.69% 8.23%
Free cash flow yield 2.54% 5.18% 9.08%

Profitability

Metric KFFB MBBC Banks Regional median
Gross margin 54.81% 70.96% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.91% 14.07% 18.66%
Free cash flow margin 5.19% 15.87% 21.11%
Return on equity 3.87% 3.82% 10.65%
Return on assets 0.52% 0.72% 1.13%
Return on invested capital 1.95% 2.98% 8.35%

Growth

Metric KFFB MBBC Banks Regional median
Revenue growth (TTM) 8.53% 23.59% 6.98%
EPS growth (last fiscal year) 1,080.50% 4,185.71% 18.88%
Revenue growth, 5-year CAGR 10.94% 4.37% 12.38%
Net income growth, 5-year CAGR 0.96% 1.39% 9.71%

Health

Metric KFFB MBBC Banks Regional median
Debt to equity 0.97 0.42 0.22
Current ratio 1.29 1.26 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric KFFB MBBC Banks Regional median
Dividend yield 0.93% — 2.57%
Payout ratio 0.21 — 0.30

Size

Metric KFFB MBBC Banks Regional median
Market cap 43.75m 44.13m 913.33m

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