Kentucky First Federal Bancorp (KFFB) vs SHF Holdings, Inc. (SHFS)

Kentucky First Federal Bancorp and SHF Holdings, Inc. are both Banks Regional companies. Kentucky First Federal Bancorp is the larger, with a market value of $46.7M against $2.1M — 22.7× the size. SHF Holdings, 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 −28.6%. Kentucky First Federal Bancorp has the higher net margin (6.67% vs −64.1%) and the higher return on invested capital (1.56% vs −879.5%). Across the 18 metrics below, Kentucky First Federal Bancorp leads on 11 and SHF Holdings, Inc. on 7.

Valuation

Metric KFFB SHFS Banks Regional median
P/E 32.82 n/m 12.15
P/S 2.14 0.14 2.37
P/B 0.91 0.18 1.21
Price to free cash flow 48.57 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.46 0.78 2.27
Earnings yield 3.05% (618.75%) 8.11%
Free cash flow yield 2.06% (419.03%) 8.98%

Profitability

Metric KFFB SHFS Banks Regional median
Gross margin 51.82% 100.00% 69.57%
Operating margin 0.00% (66.95%) 0.00%
Net margin 6.67% (64.13%) 18.66%
Free cash flow margin 4.41% (56.83%) 21.18%
Return on equity 2.87% 85.14% 10.64%
Return on assets 0.37% (49.79%) 1.13%
Return on invested capital 1.56% (879.51%) 8.33%

Growth

Metric KFFB SHFS Banks Regional median
Revenue growth (TTM) 10.02% (28.59%) 6.61%
EPS growth (last fiscal year) 109.52% 95.30% —
Revenue growth, 5-year CAGR 8.34% 1.84% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric KFFB SHFS Banks Regional median
Debt to equity 0.99 0.00 0.22
Current ratio 1.28 1.76 0.94
Net debt to EBITDA 0.00 1.30 0.00

Dividend

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

Size

Metric KFFB SHFS Banks Regional median
Market cap 46.70m 2.06m 921.07m

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