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Kentucky First Federal Bancorp (KFFB) vs Summit State Bank (SSBI)

Kentucky First Federal Bancorp and Summit State Bank are both Banks Regional companies. Summit State Bank is the larger, with a market value of $77.1M against $45.2M — 1.7× the size. Kentucky First Federal Bancorp trades at the lower P/E: 25.8× against 33.4×. Kentucky First Federal Bancorp grew revenue faster over the last twelve months: 8.53% against −7.63%. Kentucky First Federal Bancorp has the higher net margin (8.91% vs 3.87%) and the higher return on invested capital (1.95% vs 0.00%). Only Kentucky First Federal Bancorp pays a dividend (0.84%). Across the 18 metrics below, Kentucky First Federal Bancorp leads on 13 and Summit State Bank on 5.

Valuation

Metric KFFB SSBI Banks Regional median
P/E 25.78 33.44 11.87
P/S 2.24 1.32 2.35
P/B 0.95 n/m 1.23
Price to free cash flow 43.16 12.70 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.88% 2.99% 8.34%
Free cash flow yield 2.32% 7.87% 9.37%

Profitability

Metric KFFB SSBI Banks Regional median
Gross margin 54.81% 100.00% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.91% 3.87% 18.99%
Free cash flow margin 5.19% 0.00% 18.19%
Return on equity 3.87% 0.00% 10.45%
Return on assets 0.52% 0.00% 1.15%
Return on invested capital 1.95% 0.00% 8.54%

Growth

Metric KFFB SSBI Banks Regional median
Revenue growth (TTM) 8.53% (7.63%) 6.56%
EPS growth (last fiscal year) 1,100.00% 287.04% 18.85%
Revenue growth, 5-year CAGR 10.94% 7.55% 12.65%
Net income growth, 5-year CAGR 0.96% (8.36%) 9.81%

Health

Metric KFFB SSBI Banks Regional median
Debt to equity 0.97 0.08 0.14
Current ratio 1.29 0.91 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric KFFB SSBI Banks Regional median
Dividend yield 0.84% 0.00% 2.51%
Payout ratio 0.22 0.00 0.30

Size

Metric KFFB SSBI Banks Regional median
Market cap 45.21m 77.13m 915.17m

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