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Kentucky First Federal Bancorp (KFFB) vs United Bancorp, Inc. (UBCP)

Kentucky First Federal Bancorp and United Bancorp, Inc. are both Banks Regional companies. United Bancorp, Inc. is the larger, with a market value of $83.3M against $45.2M — 1.8× the size. United Bancorp, Inc. trades at the lower P/E: 10.3× against 25.8×. Kentucky First Federal Bancorp grew revenue faster over the last twelve months: 8.53% against 6.21%. United Bancorp, Inc. has the higher net margin (15.7% vs 8.91%) and the higher return on invested capital (4.58% vs 1.95%). Both pay a dividend; United Bancorp, Inc. yields more (5.46% vs 0.84%). Across the 18 metrics below, Kentucky First Federal Bancorp leads on 9 and United Bancorp, Inc. on 9.

Valuation

Metric KFFB UBCP Banks Regional median
P/E 25.78 10.29 11.87
P/S 2.24 1.61 2.35
P/B 0.95 1.08 1.23
Price to free cash flow 43.16 n/m 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.88% 9.72% 8.34%
Free cash flow yield 2.32% (5.22%) 9.37%

Profitability

Metric KFFB UBCP Banks Regional median
Gross margin 54.81% 69.59% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.91% 15.72% 18.99%
Free cash flow margin 5.19% (8.42%) 18.19%
Return on equity 3.87% 11.50% 10.45%
Return on assets 0.52% 0.88% 1.15%
Return on invested capital 1.95% 4.58% 8.54%

Growth

Metric KFFB UBCP Banks Regional median
Revenue growth (TTM) 8.53% 6.21% 6.56%
EPS growth (last fiscal year) 1,100.00% 5.51% 18.85%
Revenue growth, 5-year CAGR 10.94% 6.58% 12.65%
Net income growth, 5-year CAGR 0.96% (0.46%) 9.81%

Health

Metric KFFB UBCP Banks Regional median
Debt to equity 0.97 1.10 0.14
Current ratio 1.29 0.76 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric KFFB UBCP Banks Regional median
Dividend yield 0.84% 5.46% 2.51%
Payout ratio 0.22 0.56 0.30

Size

Metric KFFB UBCP Banks Regional median
Market cap 45.21m 83.28m 915.17m

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