Comparing Kearny Financial (NASDAQ:KRNY) & Frederick County Bancorp (MD) (NASDAQ:FCBI)

Frederick County Bancorp (MD) (OTCMKTS:FCBI) and Kearny Financial (NASDAQ:KRNY) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, earnings, analyst recommendations, dividends, valuation, profitability and institutional ownership.

Institutional & Insider Ownership

63.2% of Kearny Financial shares are owned by institutional investors. 32.2% of Frederick County Bancorp (MD) shares are owned by company insiders. Comparatively, 3.6% of Kearny Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Dividends

Frederick County Bancorp (MD) pays an annual dividend of $0.32 per share and has a dividend yield of 1.2%. Kearny Financial pays an annual dividend of $0.24 per share and has a dividend yield of 1.8%.

Analyst Recommendations

This is a breakdown of current recommendations for Frederick County Bancorp (MD) and Kearny Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Frederick County Bancorp (MD) 0 0 0 0 N/A
Kearny Financial 0 1 0 0 2.00

Kearny Financial has a consensus price target of $12.50, indicating a potential downside of 7.06%. Given Kearny Financial’s higher probable upside, analysts plainly believe Kearny Financial is more favorable than Frederick County Bancorp (MD).

Profitability

This table compares Frederick County Bancorp (MD) and Kearny Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Frederick County Bancorp (MD) 14.58% 8.95% 0.70%
Kearny Financial 16.51% 3.69% 0.67%

Earnings & Valuation

This table compares Frederick County Bancorp (MD) and Kearny Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Frederick County Bancorp (MD) $18.62 million 2.29 $2.96 million N/A N/A
Kearny Financial $184.69 million 6.78 $19.59 million N/A N/A

Kearny Financial has higher revenue and earnings than Frederick County Bancorp (MD).

Risk and Volatility

Frederick County Bancorp (MD) has a beta of 0.25, suggesting that its share price is 75% less volatile than the S&P 500. Comparatively, Kearny Financial has a beta of 0.46, suggesting that its share price is 54% less volatile than the S&P 500.

Summary

Kearny Financial beats Frederick County Bancorp (MD) on 9 of the 12 factors compared between the two stocks.

About Frederick County Bancorp (MD)

Frederick County Bancorp, Inc. operates as the holding company for Frederick County Bank that provides various banking services to individuals and commercial enterprises in the Frederick County, Maryland. It offers deposit products, including personal checking accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and health savings accounts; and business checking accounts, savings and money market accounts, and certificates of deposits. The company provides home equity, home equity fixed rate, mortgage, installment, vehicle, and unsecured loans, as well as home equity line of credit and lines of credit; and commercial loans, such as term loans, lines of credit, letters of credit, and real estate finance. It also offers cash management services comprising automated clearing house, wire origination, remote deposit capture, and zero balance account services. In addition, the company provides mobile deposit capture, overdraft protection, debit and credit card, automated teller machine, and night depository services; and business courier and merchant processing services, as well as online banking and bill pay services. The company was founded in 2001 and is headquartered in Frederick, Maryland.

About Kearny Financial

Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. The company offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts. It also provides various loans, such as one-to-four family mortgage loans; commercial mortgages, including loans secured by multi-family, mixed-use, and nonresidential properties; secured and unsecured business loans; consumer loans, such as home equity loans, home equity lines of credit, account loans, overdraft lines of credit, vehicle loans, personal loans, and loans secured by savings accounts and certificates of deposit; and construction loans to builders/developers and individual homeowners. In addition, the company engages in investment activities. As of August 15, 2018, it operated a total of 54 retail branch offices located throughout northern and central New Jersey, and Brooklyn and Staten Island, New York. The company was founded in 1884 and is headquartered in Fairfield, New Jersey.

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