People’s United Financial (NASDAQ: PBCT) and Bank Of Kentucky Financial Corp (NASDAQ:BKYF) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, earnings, institutional ownership, analyst recommendations, valuation, profitability and risk.
This table compares People’s United Financial and Bank Of Kentucky Financial Corp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|People’s United Financial||18.88%||6.14%||0.75%|
|Bank Of Kentucky Financial Corp||21.85%||8.12%||0.86%|
This is a breakdown of recent ratings and price targets for People’s United Financial and Bank Of Kentucky Financial Corp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|People’s United Financial||2||9||0||0||1.82|
|Bank Of Kentucky Financial Corp||0||0||0||0||N/A|
People’s United Financial currently has a consensus price target of $18.31, indicating a potential upside of 8.25%. Given People’s United Financial’s higher possible upside, equities research analysts clearly believe People’s United Financial is more favorable than Bank Of Kentucky Financial Corp.
Earnings and Valuation
This table compares People’s United Financial and Bank Of Kentucky Financial Corp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|People’s United Financial||$1.34 billion||4.26||$300.38 million||$0.89||19.00|
|Bank Of Kentucky Financial Corp||N/A||N/A||N/A||N/A||N/A|
People’s United Financial has higher revenue and earnings than Bank Of Kentucky Financial Corp.
People’s United Financial pays an annual dividend of $0.69 per share and has a dividend yield of 4.1%. Bank Of Kentucky Financial Corp does not pay a dividend. People’s United Financial pays out 77.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. People’s United Financial has increased its dividend for 10 consecutive years.
Institutional & Insider Ownership
77.0% of People’s United Financial shares are held by institutional investors. 2.7% of People’s United Financial shares are held by company insiders. 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.
People’s United Financial beats Bank Of Kentucky Financial Corp on 6 of the 10 factors compared between the two stocks.
About People’s United Financial
People’s United Financial, Inc. is a bank holding company and a financial holding company of People’s United Bank (the Bank). The Bank is engaged in providing commercial banking, retail banking and wealth management services to individual, corporate and municipal customers. The Company operates through two segments: Commercial Banking and Retail Banking. Commercial Banking segment is engaged in commercial real estate lending, commercial and industrial lending, and commercial deposit gathering activities. It offers cash management, correspondent banking, municipal banking, institutional trust services, corporate trust, insurance services and private banking, among others. Retail Banking segment provides consumer lending (including residential mortgage and home equity lending) and consumer deposit gathering activities. The Retail Banking segment also includes brokerage, financial advisory services, investment management services, and life insurance and non-institutional trust services.
About Bank Of Kentucky Financial Corp
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.
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