Kentucky First Federal Bancorp KFFB

5.58 (0.20) (3.46%) as of 25 Sep
Market cap
$46.7M
P/E
32.8×
Growth Flags show if company had growth for consecutive years

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 62.16%

Capital & Financial Ratios

Market Cap 46.70
Revenue 21.05
Net Income 1.41
Free Cash Flow 0.93
Net Debt 27.64
Current Ratio 1.28
Debt/Equity 0.99
P/E ratio 32.82
P/S ratio 2.14
P/B ratio 0.91
Past 5Y EPS Growth (6.22%)
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 3.64
Annual Dividend Rate 0.40
Annual Dividend Yield 7.69%
total individual payouts
2026 0.05
0.05
2023 0.40
0.10
0.10
0.10
0.10
2022 0.40
0.10
0.10
0.10
0.10
2021 0.40
0.10
0.10
0.10
0.10
2020 0.40
0.10
0.10
0.10
0.10
2019 0.40
0.10
0.10
0.10
0.10
2018 0.40
0.10
0.10
0.10
0.10
2017 0.40
0.10
0.10
0.10
0.10
2016 0.40
0.10
0.10
0.10
0.10
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 8 18 19 21
Receivables — — — —
Inventory — — — —
Other — — — —
323 353 349 352
2023 2024 2025 Q'26
Payables 226 256 278 274
ST’ Debt — — — —
Other — — — —
226 256 279 275
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 4.34% 8.34% 19.98%
Cash Flow 0.00% 0.00% 0.00%
Earnings (21.62%) 0.00% (51.54%)
Book Value (3.25%) (1.40%) (2.40%)

Revenue

Sep Dec Mar Jun Year
’26 5 5 5 — —
’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
’20 3 3 3 3 13
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Sep Dec Mar Jun Year
’26 0 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
’20 0 1 0 0 1
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Sep Dec Mar Jun Year
’26 0 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
’20 0 1 0 0 1
in millions of $ · fiscal quarters ending in the months shown

EPS

Sep Dec Mar Jun Year
’26 0.04 0.04 0.07 — —
’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
’20 0.03 0.03 0.03 (1.61) (1.52)
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
8.00 8.30 6.52 6.78 4.40 6.15 6.60 3.76 2.50 1.96

Analyst estimates 2026–2028

Powerpack
Low Price
9.70 10.15 9.70 8.45 8.15 8.16 8.69 7.32 4.43 4.97
High Price
73 71 70 64 63 62 64 62 59 56
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
12 12 13 13 13 13 11 13 17 20
Revenue
88.69% 87.52% 82.82% 74.87% 73.54% 83.20% 84.65% 70.12% 43.83% 44.79%
Gross Margin
2 1 1 1 (12) 2 2 1 (2) 0
EBT
17.44% 12.40% 10.23% 7.36% (92.90%) 17.04% 18.09% 9.40% (11.86%) 1.21%
EBT Margin
2 1 1 1 (13) 2 2 1 (2) 0
Net Income
0 0 0 0 14 0 0 0 1 0
Depreciation
1.44 1.40 1.50 1.55 1.60 1.55 1.39 1.61 2.04 2.44
Revenue/Sh
0.18 0.11 0.16 0.10 (1.52) 0.22 0.19 0.11 (0.21) 0.02
Earnings/Sh
0.17 0.25 0.14 0.12 0.13 0.19 0.32 0.14 (0.18) (0.01)
Cash Flow/Sh
(0.15) (0.02) (0.02) 0.01 (0.03) (0.01) (0.02) 0.01 (0.01) (0.02)
Capex/Sh
0.02 0.23 0.12 0.13 0.10 0.18 0.30 0.15 (0.19) (0.03)
Free CF/Sh
8.11 8.05 8.03 7.95 6.29 6.37 6.33 6.24 5.93 5.97
Book Value/Sh
8 8 8 8 8 8 8 8 8 8
Shares
45.56 85.82 50.87 75.00 0.00 33.45 41.95 53.81 0.00 141.26
PE Ratio
5.68 6.75 5.46 4.83 4.21 4.74 5.73 3.87 1.55 1.19
PS Ratio
1.01 1.17 1.02 0.94 1.07 1.16 1.26 1.00 0.53 0.49
PB Ratio
7.04 10.43 8.89 9.22 7.31 7.51 6.45 8.61 4.62 2.37
EV/Sales
455.10 62.92 112.59 109.11 116.10 64.70 29.60 93.29 (50.19) (199.35)
EV/FCF
1 2 1 1 1 2 3 1 (1) 0
Op' Cash Flow
(1) 0 0 0 0 0 0 0 0 0
Capex
0 2 1 1 1 1 2 1 (2) 0
FCF
67 89 85 96 89 95 61 96 96 70
Working Cap'
33 56 53 67 55 57 34 70 69 43
Total Debt
16 43 43 57 41 35 8 62 51 23
Net Debt
68 67 67 66 52 52 52 51 48 48
Sh' Equity
0.51% 0.31% 0.42% 0.25% (3.85%) 0.55% 0.48% 0.28% (0.48%) 0.05%
ROA
1.56% 0.82% 0.73% 0.48% (8.26%) 1.55% 2.14% 0.68% (1.24%) 0.21%
ROIC
2.23% 1.39% 1.97% 1.22% (21.23%) 3.49% 3.05% 1.82% (3.49%) 0.38%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Jun 2025 · latest quarter Mar 2026

Kentucky First Federal Bancorp (KFFB) key facts

  • Kentucky First Federal Bancorp (KFFB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Kentucky First Federal Bancorp’s revenue for fiscal 2025 (year ended June 2025) was $19.7 million, up 19.4% from fiscal 2024.
  • Net income was $181,000.00, or $0.02 per share (basic), a net margin of 0.92%.
  • As of September 25, 2026, KFFB traded at $5.58, a market capitalization of $46.7 million.
  • At that price the stock trades at 32.8× trailing-twelve-month earnings and 2.1× sales.
  • Kentucky First Federal Bancorp pays an annual dividend of $0.40 per share, a yield of 7.69%.
  • Return on equity was 0.38% and debt-to-equity 0.99.

Source: company filings (standardised) and stockrow calculations.

Kentucky First Federal Bancorp (KFFB) Latest News

News by impact score

Fine-tune

11 May

4

Kentucky First Federal Bancorp (KFFB) reported its latest earnings. Earnings reports directly reveal financial health, operational results, and future guidance, significantly impacting stock performance and investor sentiment.

19 Feb

4

Kentucky First Federal Bancorp announces termination of the agreement between First Federal Savings Bank of Kentucky and the Office of the Comptroller of the Currency (OCC). Termination of the OCC agreement ends regulatory oversight, freeing operations and likely enhancing stock performance.

10 Feb

3

Kentucky First Federal Bancorp (KFFB) reported its fiscal Q2 earnings, highlighting key financial metrics and performance indicators. The results reflect the company's ongoing strategies and market conditions, providing insights into its operational efficiency and profitability. Investors and analysts are closely monitoring these developments to gauge future performance and market positioning. The earnings report indicates moderate changes in financial performance that could influence investor sentiment and operational strategies.

3

Kentucky First Federal Bancorp reported its earnings, highlighting key financial metrics and performance indicators for the recent quarter. The results showed a positive trend in profitability and asset growth, reflecting the company's strategic initiatives and market positioning. Management expressed optimism about future growth prospects and ongoing efforts to enhance operational efficiency. Earnings reports typically influence investor sentiment and can affect financial performance, but the overall impact is expected to be limited.

19 Dec

3

Kentucky First Federal Bancorp (KFFB) is highlighted as a promising penny stock with a market capitalization exceeding $30 million. The article emphasizes the company's potential for growth and investment opportunities, suggesting that it may be an attractive option for investors looking for undervalued stocks in the financial sector. KFFB's market cap and growth potential indicate a moderately noticeable influence on its future performance.

19 Nov

3

Kentucky First Federal Bancorp (KFFB) is highlighted as one of three promising penny stocks with market capitalizations under $800 million. The article discusses the company's potential for growth and investment opportunities, emphasizing its financial performance and market positioning. KFFB's strategic initiatives and market trends are noted as factors that could influence its future success. KFFB's growth potential and market positioning may moderately influence its financial performance.

6 Nov

4

Kentucky First Federal Bancorp (KFFB) has released its latest earnings report, highlighting key financial metrics and performance indicators for the recent quarter. The report shows a notable increase in net income and assets, reflecting the company's growth strategy and operational efficiency. Management expressed optimism about future prospects, citing ongoing initiatives to enhance customer service and expand market reach. The earnings release is expected to influence investor sentiment positively. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

3

Kentucky First Federal Bancorp (KFFB) reported its fiscal Q1 earnings, showcasing a notable performance with increased net income and improved asset quality. The bank's total assets grew, and it maintained a strong capital position. The earnings report reflects the company's strategic focus on enhancing operational efficiency and customer service, contributing to its positive financial results. The earnings report indicates moderate improvements in financial performance and asset quality, which may influence investor sentiment and operational aspects.

8 Oct

3

Kentucky First Federal Bancorp has announced a management transition, with the appointment of a new CEO and other key leadership changes aimed at enhancing the company's strategic direction and operational efficiency. The transition is expected to bring fresh perspectives and drive growth initiatives within the organization. Leadership changes can moderately influence the company's strategic direction and operational performance.

19 Sep

4

Kentucky First Federal Bancorp reported its fiscal year earnings, highlighting a notable increase in net income and improved financial metrics. The bank's performance was driven by growth in loans and deposits, alongside effective cost management strategies. The results reflect a positive trend in the company's operations, positioning it favorably in the competitive banking landscape. The significant increase in net income and growth in loans and deposits indicate a strong performance that could positively influence future market positioning.

3

Kentucky First Federal Bancorp (KFFB) reported its fiscal Q4 earnings, highlighting a net income of $1.2 million, or $0.12 per share, compared to $1.1 million, or $0.11 per share, in the same quarter last year. The bank's total assets increased to $1.02 billion, up from $1.01 billion year-over-year. The increase in net interest income was attributed to a rise in loan volume and improved interest rates. Additionally, the bank's non-performing assets remained stable, indicating a solid financial position. Overall, the results reflect a positive trend in the bank's performance amid a challenging economic environment. The earnings report indicates moderate growth and stability, which may influence investor sentiment and financial performance.

12 May

3

Kentucky First Federal Bancorp reported its earnings, highlighting key financial metrics and performance indicators for the recent quarter. The bank's results reflect its operational strategies and market conditions, providing insights into its profitability and growth potential. Investors and analysts are likely to assess these figures to gauge the company's future trajectory. Earnings reports typically influence investor sentiment and can affect financial performance, but the overall impact is expected to be limited.

13 Feb

3

Kentucky First Federal Bancorp (NASDAQ:KFFB) reported a net income of US$13.0k for the second quarter of 2025, a significant improvement from a US$361.0k loss in the same period of 2024. Earnings per share (EPS) rose to US$0.002, compared to a loss of US$0.045 in 2Q 2024. Despite this positive performance, KFFB shares have declined by 5.4% over the past week. A warning sign has been identified for potential investors. The improvement in net income and EPS indicates a recovery, but the recent share decline and identified warning sign suggest limited overall impact.

11 Feb

3

Kentucky First Federal Bancorp reported its earnings, highlighting key financial metrics and performance indicators for the recent quarter. The results reflect the company's operational efficiency and strategic initiatives aimed at enhancing profitability. Management provided insights into future growth prospects and market conditions affecting the banking sector. Earnings reports typically influence investor sentiment and financial performance, but the overall effect is expected to be somewhat limited.

10 Dec

3

US stock markets stable, investors eyeing penny stocks. Data Storage, Kentucky First Federal Bancorp, and Exagen highlighted as top penny stocks to watch. Kentucky First Federal Bancorp's financial performance and future prospects discussed in detail.

12 Nov

3

Kentucky First Federal Bancorp (KFFB) has released its earnings. The earnings release may moderately influence the financial performance and competitive positioning of KFFB.

18 Sep

4

Kentucky First Federal Bancorp announced a goodwill impairment charge of $947,000, leading to a net loss of $1.1 million for the quarter ended June 30, 2024. The company's net income decreased by $2.7 million compared to the previous fiscal year. The goodwill impairment charge and decrease in net income are expected to have a significant impact on the company's future financial performance and market sentiment.

4 Sep

3

R. Clay Hulette appointed to Kentucky First Federal Bancorp's board of directors, Walter G. Ecton, Jr. elected Chairman. Appointment of new director and selection of chairman may moderately influence company's operations and competitive positioning.

13 May

3

Kentucky First Federal Bancorp reported a loss of US$0.013 per share in the third quarter of 2024, down from a profit of US$0.018 in the same period in 2023. The financial results show a moderately noticeable influence on the company's future performance.

10 May

4

Kentucky First Federal Bancorp reported a net loss for the three and nine months ended March 31, 2024, primarily due to lower net interest income. The company also adopted a new accounting standard for credit losses, resulting in an increase in the allowance for credit losses. The reported net loss, decrease in net interest income, and adoption of a new accounting standard for credit losses are significant events that could have a profound impact on the company's future performance and trajectory.

14 Feb

3

Kentucky First Federal Bancorp reports US$0.045 loss per share in 2Q 2024, down from US$0.046 profit in 2Q 2023. The financial results show a moderately noticeable influence on the company's performance.

12 Feb

4

Kentucky First Federal Bancorp reported a net loss for the three and six months ended December 31, 2023, primarily due to lower net interest income. The company also adopted a new accounting standard for the calculation of its allowance for credit losses. The reported net loss and adoption of a new accounting standard are significant events that could impact the company's future financial performance and strategic direction.

16 Jan

4

Kentucky First Federal Bancorp suspends quarterly cash dividend due to compressed net interest margins and lower earnings. The suspension of the dividend is a significant move that could impact the company's trajectory and investor sentiment.

10 Nov

3

Kentucky First Federal Bancorp CEO's compensation is considered reasonable compared to industry average, with EPS growth of 109% over the past three years. The article highlights potential impact on company performance and shareholder concerns, but also notes recent EPS growth.

26 Oct

4

Kentucky First Federal Bancorp (KFFB) is going ex-dividend in 3 days, but the sustainability of its dividend is in question due to high payout ratio and declining earnings. The article highlights significant concerns about the company's dividend sustainability and financial performance.

17 Oct

4

Kentucky First Federal Bancorp (NASDAQ:KFFB) to pay $0.10 dividend per share on November 20th despite earnings not covering dividends. Earnings not covering dividends and potential high payout ratio could significantly impact the company's future performance.

13 Oct

4

KFFB announces quarterly cash dividend and expected future dividend reduction due to decline in earnings. Expected significant impact on future performance and market sentiment due to planned dividend reduction and strategic shifts in loan portfolio.

1 Sep

3

Kentucky First Federal Bancorp CFO announces retirement effective January 2, 2024. Retirement of CFO may moderately influence financial performance and competitive positioning.

23 Jul

4

Kentucky First Federal Bancorp (KFFB) is about to go ex-dividend in 4 days, but the dividend may not be sustainable due to high payout ratio. High payout ratio and stagnant dividend growth could significantly impact the company's future performance.

11 Jul

4

Kentucky First Federal Bancorp (NASDAQ:KFFB) will pay a dividend of $0.10 per share on August 24th, with a dividend yield of 6.5%. The article highlights potential sustainability issues with the company's dividend payments, which could significantly impact its future performance.

stockrow.com/KFFB · Data as of Mar 31, 2026 · For information only; not investment advice. · © 2026 stockrow.com