Kentucky First Federal Bancorp (KFFB) vs NSTS Bancorp, Inc. (NSTS)

Kentucky First Federal Bancorp and NSTS Bancorp, Inc. are both Banks Regional companies. NSTS Bancorp, Inc. is the larger, with a market value of $74.1M against $46.7M — 1.6× the size. NSTS Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Kentucky First Federal Bancorp trades at 32.8×. Kentucky First Federal Bancorp grew revenue faster over the last twelve months: 10.0% against 7.00%. Kentucky First Federal Bancorp has the higher net margin (6.67% vs −0.31%) and the higher return on invested capital (1.56% vs −0.09%). Across the 17 metrics below, Kentucky First Federal Bancorp leads on 9 and NSTS Bancorp, Inc. on 8.

Valuation

Metric KFFB NSTS Banks Regional median
P/E 32.82 n/m 12.15
P/S 2.14 4.99 2.37
P/B 0.91 0.87 1.21
Price to free cash flow 48.57 4.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.46 1.48 2.27
Earnings yield 3.05% (0.06%) 8.11%
Free cash flow yield 2.06% 22.83% 8.98%

Profitability

Metric KFFB NSTS Banks Regional median
Gross margin 51.82% 77.36% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.67% (0.31%) 18.66%
Free cash flow margin 4.41% 113.89% 21.18%
Return on equity 2.87% (0.05%) 10.64%
Return on assets 0.37% (0.02%) 1.13%
Return on invested capital 1.56% (0.09%) 8.33%

Growth

Metric KFFB NSTS Banks Regional median
Revenue growth (TTM) 10.02% 7.00% 6.61%
EPS growth (last fiscal year) 109.52% 50.00% —
Revenue growth, 5-year CAGR 8.34% 11.74% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric KFFB NSTS Banks Regional median
Debt to equity 0.99 0.00 0.22
Current ratio 1.28 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric KFFB NSTS Banks Regional median
Market cap 46.70m 74.12m 921.07m

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