Kentucky First Federal Bancorp (KFFB) vs Texas Community Bancshares, Inc. (TCBS)

Kentucky First Federal Bancorp and Texas Community Bancshares, Inc. are both Banks Regional companies. Texas Community Bancshares, Inc. is the larger, with a market value of $49.6M against $43.8M — 1.1× the size. Texas Community Bancshares, Inc. trades at the lower P/E: 13.4× against 23.1×. Kentucky First Federal Bancorp grew revenue faster over the last twelve months: 8.53% against 5.96%. Texas Community Bancshares, Inc. has the higher net margin (12.7% vs 8.91%) and the higher return on invested capital (2.83% vs 1.95%). Both pay a dividend; Texas Community Bancshares, Inc. yields more (1.00% vs 0.93%). Across the 19 metrics below, Texas Community Bancshares, Inc. leads on 16 and Kentucky First Federal Bancorp on 3.

Valuation

Metric KFFB TCBS Banks Regional median
P/E 23.07 13.39 11.98
P/S 2.04 1.72 2.34
P/B 0.87 0.82 1.19
Price to free cash flow 39.31 19.41 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.34% 7.47% 8.23%
Free cash flow yield 2.54% 5.15% 9.08%

Profitability

Metric KFFB TCBS Banks Regional median
Gross margin 54.81% 66.26% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.91% 12.68% 18.66%
Free cash flow margin 5.19% 8.85% 21.11%
Return on equity 3.87% 6.16% 10.65%
Return on assets 0.52% 0.75% 1.13%
Return on invested capital 1.95% 2.83% 8.35%

Growth

Metric KFFB TCBS Banks Regional median
Revenue growth (TTM) 8.53% 5.96% 6.98%
EPS growth (last fiscal year) 1,080.50% 327.27% 18.88%
Revenue growth, 5-year CAGR 10.94% 15.65% 12.38%
Net income growth, 5-year CAGR 0.96% 30.57% 9.71%

Health

Metric KFFB TCBS Banks Regional median
Debt to equity 0.97 0.84 0.22
Current ratio 1.29 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric KFFB TCBS Banks Regional median
Dividend yield 0.93% 1.00% 2.57%
Payout ratio 0.21 0.14 0.30

Size

Metric KFFB TCBS Banks Regional median
Market cap 43.75m 49.58m 913.33m

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