Critical Comparison: Bank Of Kentucky Financial Corp (BKYF) versus First Bank (FRBA)

Bank Of Kentucky Financial Corp (NASDAQ: BKYF) and First Bank (NASDAQ:FRBA) are both financials companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, profitability, risk, analyst recommendations, dividends, institutional ownership and valuation.

Institutional & Insider Ownership

43.3% of First Bank shares are owned by institutional investors. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Bank Of Kentucky Financial Corp and First Bank, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bank Of Kentucky Financial Corp 0 0 0 0 N/A
First Bank 0 0 1 0 3.00

First Bank has a consensus target price of $14.00, suggesting a potential upside of 10.24%. Given First Bank’s higher possible upside, analysts plainly believe First Bank is more favorable than Bank Of Kentucky Financial Corp.

Dividends

First Bank pays an annual dividend of $0.08 per share and has a dividend yield of 0.6%. Bank Of Kentucky Financial Corp does not pay a dividend. First Bank pays out 12.5% of its earnings in the form of a dividend.

Profitability

This table compares Bank Of Kentucky Financial Corp and First Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bank Of Kentucky Financial Corp 21.85% 8.12% 0.86%
First Bank 17.19% N/A N/A

Valuation and Earnings

This table compares Bank Of Kentucky Financial Corp and First Bank’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Bank Of Kentucky Financial Corp N/A N/A N/A N/A N/A
First Bank $31.35 million 6.08 $9.61 million $0.64 19.84

First Bank has higher revenue and earnings than Bank Of Kentucky Financial Corp.

Summary

First Bank beats Bank Of Kentucky Financial Corp on 5 of the 9 factors compared between the two stocks.

Bank Of Kentucky Financial Corp Company Profile

The Bank of Kentucky Financial Corporation is a bank holding company. The Company, through its subsidiary The Bank of Kentucky, Inc. (the Bank), is engaged in the banking business. The Bank provides financial services and other financial solutions through 32 offices located in northern Kentucky. The principal products produced and services rendered by the Bank include commercial banking, consumer banking and trust services. The Bank provides a range of commercial banking services to corporations and other business clients that include loans and deposit services, including checking, lockbox services and other treasury management services. The Bank provides banking services to consumers, including checking, savings and money market accounts, as well as certificates of deposits and individual retirement accounts. It also offers specialized services in the areas of fiduciary services and wealth management.

First Bank Company Profile

First Bank is a commercial bank. The Company provides a range of lending, deposit and other financial products and services. It operates through Community Banking segment, which is engaged in providing a range of commercial and retail and related banking services. It offers a range of lending products to meet the needs of its customers located within its market areas, including commercial and industrial loans, commercial real estate loans (including owner-occupied, investor, and multi-family loans), residential real estate loans, and consumer and other loans. It offers a range of deposit instruments, including non-interest bearing demand deposits, interest bearing demand accounts, money market accounts, savings accounts and certificates of deposit. It operates 14 branches located in Cranbury, Denville, Ewing, Flemington, Hamilton, Lawrence, Somerset, Randolph and Williamstown, New Jersey, and Trevose, Doylestown, Warminster, Bensalem and Levittown in Bucks County.

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