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Kentucky First Federal Bancorp

KFFB Financial Banks Regional

Kentucky First Federal Bancorp’s revenue for fiscal 2026 (year ended June 2026) was $21.4 million, up 8.53% from fiscal 2025.

Revenue
+7.22%
EPS
+300.0%
Free cash flow
+650.0%
Total debt
+13.6%

Quarter to June 2026, against a year earlier

5.93 0.34 +6.08%
Market cap
$45.2M
P/E
25.8×
Fwd P/E
—
Dividend yield
0.84%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 62.41%

Capital & Financial Ratios $m

Size
Market Cap 45.21
Revenue ttm 21.42
Net income ttm 1.91
Free cash flow ttm 1.11
Net debt Q 32.11
Valuation
P/E 25.78
Forward P/E —
Price / sales 2.24
Forward P/S Powerpack
Price / FCF 43.16
Price / book 0.95
Financial health
Current ratio Q 1.29
Debt / equity Q 0.97
Interest coverage Q —
Growth
Revenue growth Q +7.22% (above 0%: growing)
Operating income growth Q +193.56% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +1.76%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 4.90%
10-year low 10-year high
P/S against its own 10 years 25.62%
10-year low 10-year high
P/B against its own 10 years 38.89%
10-year low 10-year high

Dividends

Yield
0.84%
Annual rate
0.05
Payout ratio
21.7%
Growth, 2016–26
−18.8%/yr
  1. 0.40 ’16
  2. 0.40 ’17 +0
  3. 0.40 ’18 +0
  4. 0.40 ’19 +0
  5. 0.40 ’20 +0
  6. 0.40 ’21 +0
  7. 0.40 ’22 +0
  8. 0.40 ’23 +0
  9. 0.05 ’26 −88
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 2026
Cash 8 18 19 16
Receivables — — — —
Inventory — — — —
Other — — — —
323 353 349 339
2023 2024 2025 2026
Payables 226 256 278 261
ST’ Debt — — — —
Other — — — —
226 256 279 262

Compound Annual Growth %

10y 5y 3y
Sales 5.95% 10.94% 17.93%
Cash Flow (1.47%) (4.64%) 2.68%
Earnings 2.43% 0.96% 26.95%
Book Value (2.90%) (0.78%) (0.27%)

EPS $

Sep Dec Mar Jun Year
’26 — — — — —
’26 0.04 0.04 0.07 0.08 0.24
’25 0.00 0.00 0.00 0.02 0.02
’24 (0.02) (0.05) (0.01) (0.13) (0.21)
’23 0.05 0.04 0.02 0.01 0.11
’22 0.07 0.06 0.04 0.02 0.19
’21 0.04 0.04 0.06 0.08 0.22
Fiscal quarters ending in the months shown.

Revenue $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 5 5 5 5 21
’25 5 5 5 5 20
’24 4 4 4 4 17
’23 3 3 3 4 13
’22 3 3 3 3 11
’21 3 3 3 3 13
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 0 0 1 0 1
’25 (1) 1 0 0 0
’24 (1) (1) 0 0 (1)
’23 0 0 0 0 1
’22 2 (1) 0 1 3
’21 0 0 1 0 2
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 0 0 1 0 1
’25 (1) 1 0 0 0
’24 (1) (1) 0 0 (2)
’23 0 1 0 0 1
’22 2 (1) 0 1 2
’21 0 0 1 0 1
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 12 13 13 13 13 11 13 17 20 21 +7.0% — — — —
Gross margin, % 87.52 82.82 74.87 73.54 83.20 84.65 70.12 43.83 44.79 54.81 (32.7) pt
EBT 1 1 1 (12) 2 2 1 (2) 0 3 +6.3%
EBT margin, % 12.40 10.23 7.36 (92.90) 17.04 18.09 9.40 (11.86) 1.21 11.69 (0.7) pt
Net income 1 1 1 (13) 2 2 1 (2) 0 2 +8.3%
Per share, $
Per share, $ Revenue 1.40 1.50 1.55 1.60 1.55 1.39 1.61 2.04 2.44 2.65 +7.3%
Earnings 0.11 0.16 0.10 (1.52) 0.22 0.19 0.11 (0.21) 0.02 0.24 +9.1%
Cash flow 0.25 0.14 0.12 0.13 0.19 0.32 0.14 (0.18) (0.01) 0.15 (5.3%)
Capex (0.02) (0.02) 0.01 (0.03) (0.01) (0.02) 0.01 (0.01) (0.02) (0.02) (1.5%)
Free cash flow 0.23 0.12 0.13 0.10 0.18 0.30 0.15 (0.19) (0.03) 0.14 (5.6%)
Book value 8.05 8.03 7.95 6.29 6.37 6.33 6.24 5.93 5.98 6.22 (2.8%)
Shares, m 8 8 8 8 8 8 8 8 8 8 (0.3%)
Valuation, ×
Valuation, × P/E 85.82 50.87 75.00 0.00 33.45 41.95 53.81 0.00 141.26 22.09 50.4
P/S 6.75 5.46 4.83 4.21 4.74 5.73 3.87 1.55 1.19 1.92 4.0
P/B 1.17 1.02 0.94 1.07 1.16 1.26 1.00 0.53 0.49 0.82 0.9
EV/Sales 10.43 8.89 9.22 7.31 7.51 6.45 8.61 4.62 2.37 3.42 6.9
EV/FCF 62.92 112.59 109.11 116.10 64.70 29.60 93.29 (50.19) (199.20) 65.88 40.5
Cash, $m
Cash, $m Operating cash flow 2 1 1 1 2 3 1 (1) 0 1 (5.6%)
Capex 0 0 0 0 0 0 0 0 0 0 (1.9%)
Free cash flow 2 1 1 1 1 2 1 (2) 0 1 (6.0%)
Balance, $m
Balance, $m Working capital 89 85 96 89 95 61 96 96 70 77 (1.6%)
Net debt 43 43 57 41 35 8 62 51 23 32 (3.2%)
Shareholders’ equity 67 67 66 52 52 52 51 48 48 50 (3.2%)
Returns, %
Returns, % ROA 0.31 0.42 0.25 (3.85) 0.55 0.48 0.28 (0.48) 0.05 0.52 +0.2 pt
ROIC 0.82 0.73 0.48 (8.26) 1.55 2.14 0.68 (1.24) 0.21 1.90 +1.1 pt
ROE 1.39 1.97 1.22 (21.23) 3.49 3.05 1.82 (3.49) 0.38 3.87 +2.5 pt
People
People Employees 71 70 64 63 62 64 62 59 56 59 (2.0%)
Revenue/emp, $m 0.16 0.18 0.20 0.21 0.21 0.18 0.21 0.28 0.35 0.36 +9.2%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026 · fundamentals updated 2 Nov 2026

Kentucky First Federal Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
UBCP United Bancorp, Inc. $83.3M 10.4× 10.5× +2.96% (above 0%: growing) +9.09% (above 0%: growing) −109.56% (below 0%: shrinking) 70.95% 0.00% Compare
ASRV AmeriServ Financial Inc. $82.9M 9.6× — (loss-making) +4.04% (above 0%: growing) n/m −756.91% (below 0%: shrinking) 70.16% 0.00% Compare
SSBI Summit State Bank $77.1M 33.6× — −3.24% (below 0%: shrinking) n/m −207.35% (below 0%: shrinking) 100.00% 0.00% Compare
CLST Catalyst Bancorp, Inc. $72.4M 31.4× — +3.68% (above 0%: growing) +7.14% (above 0%: growing) −14.23% (below 0%: shrinking) 74.83% 0.00% Compare
HFBL Home Federal Bancorp, Inc. of Louisiana $67.1M 10.9× — +10.29% (above 0%: growing) +23.08% (above 0%: growing) +210.53% (above 0%: growing) 70.94% 0.00% Compare
CULL Cullman Bancorp, Inc. $65.2M 32.5× 19.5× +8.86% (above 0%: growing) −26.67% (below 0%: shrinking) −90.89% (below 0%: shrinking) 71.49% 0.00% Compare
TCBS Texas Community Bancshares, Inc. $50.0M 13.6× 26.5× +8.29% (above 0%: growing) +54.17% (above 0%: growing) −4.04% (below 0%: shrinking) 67.29% 0.00% Compare
KFFB Kentucky First Federal Bancorp $45.2M 24.3× — +7.22% (above 0%: growing) +300.00% (above 0%: growing) +650.00% (above 0%: growing) 59.33% 0.00%
MBBC Marathon Bancorp, Inc. $43.3M 21.2× — +17.92% (above 0%: growing) n/m +110.20% (above 0%: growing) 70.72% 0.00% Compare
Median of peers $69.7M 17.4× 19.5× +6.16% +9.09% −52.56% 70.95% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 13 October 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2026 193.77k 193.78k 88.16
2025 201.03k 201.03k 46.34
2024 200.72k 200.72k 50.19

Ownership

Directors and executive officers, together 4.00%
First Federal MHC 58.50%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Kentucky First Federal Bancorp (KFFB) Latest News

2 Nov

Impact 3 · · GlobeNewswire

11 May

Impact 4 · · GlobeNewswire

19 Feb

Impact 4 · · GlobeNewswireAssociated Press FinanceMarketBeatMarketBeat

10 Feb

Impact 3 · · Associated Press Finance
Impact 3 · · GlobeNewswire

19 Dec

Impact 3 · · Simply Wall St.

19 Nov

Impact 3 · · Simply Wall St.

6 Nov

Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press Finance

8 Oct

Impact 3 · · GlobeNewswireAssociated Press FinanceBanking DiveMT NewswiresMT Newswires

19 Sep

Impact 4 ·
Impact 3 · · Associated Press Finance

12 May

Impact 3 ·

13 Feb

Impact 3 · · Simply Wall St.

11 Feb

Impact 3 ·

10 Dec

Impact 3 · · Simply Wall St.

12 Nov

Impact 3 ·

18 Sep

Impact 4 · · GlobeNewswire

4 Sep

Impact 3 · · GlobeNewswire

13 May

Impact 3 · · Simply Wall St.

10 May

Impact 4 · · GlobeNewswire

14 Feb

Impact 3 · · Simply Wall St.

12 Feb

Impact 4 · · GlobeNewswire

16 Jan

Impact 4 · · GlobeNewswire

10 Nov

Impact 3 · · Simply Wall St.

26 Oct

Impact 4 · · Simply Wall St.

17 Oct

Impact 4 · · Simply Wall St.

13 Oct

Impact 4 · · GlobeNewswire

1 Sep

Impact 3 · · GlobeNewswire

23 Jul

Impact 4 · · Simply Wall St.
stockrow.com/KFFB · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com