Head to Head Survey: Kentucky Bancshares (KTYB) & Randolph Bancorp (RNDB)

Kentucky Bancshares (OTCMKTS:KTYB) and Randolph Bancorp (NASDAQ:RNDB) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their valuation, dividends, earnings, risk, profitability, analyst recommendations and institutional ownership.


This table compares Kentucky Bancshares and Randolph Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Kentucky Bancshares 21.43% 11.52% 1.13%
Randolph Bancorp -3.84% -4.01% -0.53%

Earnings & Valuation

This table compares Kentucky Bancshares and Randolph Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Kentucky Bancshares $55.60 million 2.62 $12.43 million N/A N/A
Randolph Bancorp $34.97 million 2.58 -$2.09 million N/A N/A

Kentucky Bancshares has higher revenue and earnings than Randolph Bancorp.


Kentucky Bancshares pays an annual dividend of $0.68 per share and has a dividend yield of 2.8%. Randolph Bancorp does not pay a dividend.

Volatility & Risk

Kentucky Bancshares has a beta of 0.49, suggesting that its share price is 51% less volatile than the S&P 500. Comparatively, Randolph Bancorp has a beta of 0.44, suggesting that its share price is 56% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Kentucky Bancshares and Randolph Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Kentucky Bancshares 0 0 0 0 N/A
Randolph Bancorp 0 1 0 0 2.00

Insider and Institutional Ownership

3.0% of Kentucky Bancshares shares are owned by institutional investors. Comparatively, 34.9% of Randolph Bancorp shares are owned by institutional investors. 15.0% of Kentucky Bancshares shares are owned by company insiders. Comparatively, 8.3% of Randolph Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.


Kentucky Bancshares beats Randolph Bancorp on 9 of the 10 factors compared between the two stocks.

About Kentucky Bancshares

Kentucky Bancshares, Inc. operates as a bank holding company for Kentucky Bank that provides commercial and consumer banking products and services. It accepts various deposit products, including checking, savings, and money market accounts; and certificates of deposit, safe deposits, interest and noninterest bearing deposits, and time deposits. The company also offers commercial, agricultural, and real estate loans to small-to-medium-sized industrial, service, and agricultural businesses; and residential mortgages, installments, and other loans to individual and other non-commercial customers. In addition, it provides credit cards and other consumer-oriented financial services; brokerage services, annuities, life and long term care insurance, personal trust, and agency services; and Internet banking services, such as bill payment. The company has operations in Bourbon, Clark, Elliott, Fayette, Harrison, Jessamine, Madison, Rowan, Scott, Woodford, and other counties in Kentucky. Kentucky Bancshares, Inc. was founded in 1851 and is headquartered in Paris, Kentucky.

About Randolph Bancorp

Randolph Bancorp, Inc. operates as the bank holding company for Envision Bank that provides financial services to individuals, families, and small to mid-size businesses in Massachusetts, Rhode Island, and southern New Hampshire. The company accepts checking, NOW, money market, and savings accounts, as well as certificate of deposits and IRAs. It also offers one- to four-family residential mortgage, commercial real estate, commercial and industrial, construction, and consumer loans; home equity loans and lines of credit; and investment securities. In addition, the company provides remote deposit capture products for business customers to meet their online banking needs. As of February 27, 2018, it operated six retail branch locations and loan operations centers in Andover and North Attleboro, Massachusetts; and five loan production offices in eastern Massachusetts. The company was founded in 1851 and is based in Stoughton, Massachusetts. Randolph Bancorp, Inc. is a subsidiary of Randolph Bancorp (MHC).

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