Kentucky First Federal Bancorp (KFFB) and HarborOne Bancorp Inc. (NASDAQ:HONE) Contrasting side by side

Kentucky First Federal Bancorp (NASDAQ:KFFB) and HarborOne Bancorp Inc. (NASDAQ:HONE) compete with each other in the Savings & Loans sector. We will analyze and compare their dividends, institutional ownership, analyst recommendations, profitability, risk, earnings and valuation.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Kentucky First Federal Bancorp 9.57M 6.74 N/A 0.06 140.37
HarborOne Bancorp Inc. 134.30M 4.12 11.39M 0.36 45.04

Table 1 shows the gross revenue, earnings per share (EPS) and valuation for Kentucky First Federal Bancorp and HarborOne Bancorp Inc. HarborOne Bancorp Inc. appears to has higher revenue and earnings than Kentucky First Federal Bancorp. The business that is presently more expensive of the two stocks is the one that has a higher price-to-earnings ratio. Kentucky First Federal Bancorp is thus presently the expensive of the two stocks because it has a higher price-to-earnings ratio.

Profitability

Table 2 has Kentucky First Federal Bancorp and HarborOne Bancorp Inc.’s return on equity, net margins and return on assets.

Net Margins Return on Equity Return on Assets
Kentucky First Federal Bancorp 0.00% 0.7% 0.2%
HarborOne Bancorp Inc. 8.48% 2.8% 0.4%

Dividends

Kentucky First Federal Bancorp pays out $0.4 per share annually while its annual dividend yield is 5.18%. No dividend is paid out by HarborOne Bancorp Inc.

Institutional & Insider Ownership

The shares of both Kentucky First Federal Bancorp and HarborOne Bancorp Inc. are owned by institutional investors at 3% and 19.5% respectively. Insiders owned roughly 61.58% of Kentucky First Federal Bancorp’s shares. Competitively, 0.1% are HarborOne Bancorp Inc.’s share owned by insiders.

Performance

In this table we provide the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Kentucky First Federal Bancorp -1.71% 8.47% 1.28% -0.61% -9.08% 15.79%
HarborOne Bancorp Inc. 1.43% 7.11% -8.7% -16.4% -16.23% 2.33%

For the past year Kentucky First Federal Bancorp has stronger performance than HarborOne Bancorp Inc.

Summary

HarborOne Bancorp Inc. beats on 8 of the 12 factors Kentucky First Federal Bancorp.

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 the United States. Its deposit products include passbook savings and certificate accounts, checking accounts, and individual retirement accounts. The companyÂ’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, condominiums, 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. As of June 30, 2016, it operated through seven 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.

HarborOne Bancorp, Inc. operates as the holding company for HarborOne Bank that provides financial services to individuals, families, small and mid-size businesses, and municipalities throughout Southeastern Massachusetts. Its primary deposit products include checking, money market, savings, and term certificate of deposit accounts; and lending products comprise residential and commercial real estate loans, second mortgages and equity lines of credit, commercial loans, construction loans, and auto and other consumer loans. The company, through its subsidiary, Merrimack Mortgage Company, LLC, also originates, sells, and services residential mortgage loans. It operates 14 full-service branches, 2 limited service branches, and 13 free-standing ATMs. In addition, the company offers a range of educational services through ‘HarborOne U,’ with classes on small business, financial literacy, and personal enrichment. HarborOne Bancorp, Inc. was founded in 1917 and is headquartered in Brockton, Massachusetts. HarborOne Bancorp, Inc. is a subsidiary of Harborone Mutual Bancshares, Mhc.