TRINITY BK N A/SH (OTCMKTS:TYBT) versus Kentucky First Federal Bancorp (OTCMKTS:KFFB) Head to Head Analysis

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Kentucky First Federal Bancorp (NASDAQ:KFFB) and TRINITY BK N A/SH (OTCMKTS:TYBT) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, valuation, earnings, institutional ownership, risk, analyst recommendations and profitability.

Insider & Institutional Ownership

2.8% of Kentucky First Federal Bancorp shares are held by institutional investors. Comparatively, 0.9% of TRINITY BK N A/SH shares are held by institutional investors. 5.1% of Kentucky First Federal Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Dividends

Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 5.3%. TRINITY BK N A/SH pays an annual dividend of $1.20 per share and has a dividend yield of 1.8%.

Valuation & Earnings

This table compares Kentucky First Federal Bancorp and TRINITY BK N A/SH’s gross 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 4.98 $1.32 million N/A N/A
TRINITY BK N A/SH $8.67 million 8.31 $4.01 million N/A N/A

TRINITY BK N A/SH has lower revenue, but higher earnings than Kentucky First Federal Bancorp.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Kentucky First Federal Bancorp and TRINITY BK N A/SH, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Kentucky First Federal Bancorp 0 0 0 0 N/A
TRINITY BK N A/SH 0 0 0 0 N/A

Profitability

This table compares Kentucky First Federal Bancorp and TRINITY BK N A/SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Kentucky First Federal Bancorp 4.15% 0.78% 0.16%
TRINITY BK N A/SH N/A N/A N/A

Volatility & Risk

Kentucky First Federal Bancorp has a beta of 0.5, indicating that its stock price is 50% less volatile than the S&P 500. Comparatively, TRINITY BK N A/SH has a beta of -0.01, indicating that its stock price is 101% less volatile than the S&P 500.

Summary

Kentucky First Federal Bancorp beats TRINITY BK N A/SH on 8 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.

TRINITY BK N A/SH Company Profile

Trinity Bank, N.A. provides personal and business banking products and services in Texas. Its personal banking products and services include deposit accounts, including checking, interest bearing checking, savings, and money market accounts, as well as certificates of deposit; loan products, such as automobile, secured/unsecured, home improvement, lots and interim construction, and mortgage loans, as well as home equity loans and lines; and Internet Banking, online statement, online bill pay, and ATM or Visa check card services. The company's business banking products and services comprise deposit accounts, including small business checking, commercial analyzed checking, savings, and commercial money market accounts, as well as certificates of deposit; loan products comprising revolving lines of credit, installment/term loans, equipment loans, real estate loans, and dealer floor plans; and cash management, merchants card, CD ROM media delivery, remote deposit, online banking, treasury tax and loan deposits, and foreign and domestic wire transfer services. Trinity Bank, N.A. was founded in 2003 and is based in Fort Worth, Texas.

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