Head-To-Head Review: Carver Bancorp (CARV) versus Kentucky First Federal Bancorp (KFFB)

Kentucky First Federal Bancorp (NASDAQ:KFFB) and Carver Bancorp (NASDAQ:CARV) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, dividends, profitability, earnings and risk.

Volatility & Risk

Kentucky First Federal Bancorp has a beta of 0.33, suggesting that its share price is 67% less volatile than the S&P 500. Comparatively, Carver Bancorp has a beta of 1.63, suggesting that its share price is 63% more volatile than the S&P 500.

Profitability

This table compares Kentucky First Federal Bancorp and Carver Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Kentucky First Federal Bancorp 9.34% 1.51% 0.32%
Carver Bancorp 9.25% 89.56% 0.54%

Valuation & Earnings

This table compares Kentucky First Federal Bancorp and Carver Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Kentucky First Federal Bancorp $12.58 million 4.61 $1.32 million N/A N/A
Carver Bancorp $38.72 million 0.33 $5.35 million N/A N/A

Carver Bancorp has higher revenue and earnings than Kentucky First Federal Bancorp.

Dividends

Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.8%. Carver Bancorp does not pay a dividend.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Kentucky First Federal Bancorp and Carver Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Kentucky First Federal Bancorp 0 0 0 0 N/A
Carver Bancorp 0 0 0 0 N/A

Institutional and Insider Ownership

2.6% of Kentucky First Federal Bancorp shares are owned by institutional investors. Comparatively, 19.8% of Carver Bancorp shares are owned by institutional investors. 5.1% of Kentucky First Federal Bancorp shares are owned by company insiders. Comparatively, 0.2% of Carver Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Carver Bancorp beats Kentucky First Federal Bancorp on 6 of the 10 factors compared between the two stocks.

Kentucky First Federal Bancorp Company Profile

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. that provide various banking products and services in Kentucky. Its deposit products include passbook savings and certificate accounts, checking accounts, and individual retirement accounts. The company's loan portfolio comprises one-to four-family residential mortgage loans; construction loans; mortgage loans secured by multi-family property; nonresidential loans that are secured by commercial office buildings, churches, and properties used for other purposes; commercial non-mortgage loans; and consumer loans, such as home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured or personal loans. In addition, it invests in mortgage-backed securities; and provides insurance products and services. As of October 19, 2018, it operated through seven banking offices. The company was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp is a subsidiary of First Federal Mutual Holding Company.

Carver Bancorp Company Profile

Carver Bancorp, Inc. operates as a holding company for Carver Federal Savings Bank, a federally chartered savings bank that provides consumer and commercial banking services for consumers, businesses, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products, including demand, savings, and time deposits; passbook and statement accounts, and certificates of deposit; and individual retirement accounts. The company also provides one-to-four family residential, multifamily real estate, and commercial real estate lending products, as well as construction, business, and consumer and other loans. In addition, it offers other consumer and commercial banking products and services, including debit card, online banking, online bill pay, and telephone banking, as well as check cashing, wire transfer, bill payment, reloadable prepaid card, and money order services. The company operates through one administrative office, nine branches, and three ATM locations. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.

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