Saturday 17 October 2026 Export KFFB’s income statement to Excel — free account

Kentucky First Federal Bancorp

Kentucky First Federal Bancorp’s revenue for fiscal 2026 (year ended June 2026) was $21.4 million, up 8.53% from fiscal 2025. In the quarter to June 2026, revenue grew 7.22%, EPS grew 320.5%, free cash flow grew 650.0% and total debt rose 13.6%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

5.40 0.01 −0.18%

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Market cap: $43.8M
P/E: 23.1×
Fwd P/E: —
Dividend yield: 0.93%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 62.16%

Capital & Financial Ratios $m

Market Cap 43.75

Revenue 21.42

Net Income 1.91

Free Cash Flow 1.11

Net Debt 32.11

Current Ratio 1.29

Debt/Equity 0.97

P/E ratio 23.07

Fwd P/E —

P/S ratio 2.04

P/B ratio 0.87

Past 5Y EPS Growth 1.42%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 1.05%

10-year low 10-year high

P/S against its own 10 years 21.56%

10-year low 10-year high

P/B against its own 10 years 29.56%

10-year low 10-year high

Dividends

Payout Ratio 0.21

Annual Dividend Rate 0.05

Annual Dividend Yield 0.93%

	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

special payouts not included in total or ratios

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%)

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.

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.

Group	Line	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026	2027e
Price, $
Price, $	Low	8.30	6.52	6.78	4.40	6.15	6.60	3.76	2.50	1.96	4.18	Analyst estimates 2027–2029 Powerpack
	High	10.15	9.70	8.45	8.15	8.16	8.69	7.32	4.43	4.97	6.46
People
People	Employees	71	70	64	63	62	64	62	59	56	59
	Revenue/emp, $m	0.16	0.18	0.20	0.21	0.21	0.18	0.21	0.28	0.35	0.36
Income, $m
Income, $m	Revenue	12	13	13	13	13	11	13	17	20	21
	Gross margin, %	87.52	82.82	74.87	73.54	83.20	84.65	70.12	43.83	44.79	54.81
	EBT	1	1	1	(12)	2	2	1	(2)	0	3
	EBT margin, %	12.40	10.23	7.36	(92.90)	17.04	18.09	9.40	(11.86)	1.21	11.69
	Net income	1	1	1	(13)	2	2	1	(2)	0	2
	Depreciation	0	0	0	14	0	0	0	1	0	0
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
	Earnings	0.11	0.16	0.10	(1.52)	0.22	0.19	0.11	(0.21)	0.02	0.24
	Cash flow	0.25	0.14	0.12	0.13	0.19	0.32	0.14	(0.18)	(0.01)	0.15
	Capex	(0.02)	(0.02)	0.01	(0.03)	(0.01)	(0.02)	0.01	(0.01)	(0.02)	(0.02)
	Free cash flow	0.23	0.12	0.13	0.10	0.18	0.30	0.15	(0.19)	(0.03)	0.14
	Book value	8.05	8.03	7.95	6.29	6.37	6.33	6.24	5.93	5.98	6.22
	Shares, m	8	8	8	8	8	8	8	8	8	8
Valuation, ×
Valuation, ×	P/E	85.82	50.87	75.00	0.00	33.45	41.95	53.81	0.00	141.26	21.70
	P/S	6.75	5.46	4.83	4.21	4.74	5.73	3.87	1.55	1.19	1.92
	P/B	1.17	1.02	0.94	1.07	1.16	1.26	1.00	0.53	0.49	0.82
	EV/Sales	10.43	8.89	9.22	7.31	7.51	6.45	8.61	4.62	2.37	3.42
	EV/FCF	62.92	112.59	109.11	116.10	64.70	29.60	93.29	(50.19)	(199.20)	65.88
Cash, $m
Cash, $m	Operating cash flow	2	1	1	1	2	3	1	(1)	0	1
	Capex	0	0	0	0	0	0	0	0	0	0
	Free cash flow	2	1	1	1	1	2	1	(2)	0	1
Balance, $m
Balance, $m	Working capital	89	85	96	89	95	61	96	96	70	77
	Total debt	56	53	67	55	57	34	70	69	43	49
	Net debt	43	43	57	41	35	8	62	51	23	32
	Shareholders’ equity	67	67	66	52	52	52	51	48	48	50
Returns, %
Returns, %	ROA	0.31	0.42	0.25	(3.85)	0.55	0.48	0.28	(0.48)	0.05	0.52
	ROIC	0.82	0.73	0.48	(8.26)	1.55	2.14	0.68	(1.24)	0.21	1.90
	ROE	1.39	1.97	1.22	(21.23)	3.49	3.05	1.82	(3.49)	0.38	3.87

Negative figures in brackets.

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026 · fundamentals updated 30 Sep 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ASRV AmeriServ Financial Inc.	$75.7M	8.9×	— (loss-making)	+4.04% (above 0%: growing)	n/m	−756.91% (below 0%: shrinking)	70.16%	0.00%	Compare
HFBL Home Federal Bancorp, Inc. of Louisiana	$73.1M	11.8×	—	+10.29% (above 0%: growing)	+23.08% (above 0%: growing)	+210.53% (above 0%: growing)	70.94%	0.00%	Compare
CLST Catalyst Bancorp, Inc.	$68.0M	29.8×	—	+3.68% (above 0%: growing)	+7.14% (above 0%: growing)	−14.23% (below 0%: shrinking)	74.83%	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
BCOW 1895 Bancorp of Wisconsin Inc.	$57.9M	88.0×	— (loss-making)	+1.53% (above 0%: growing)	n/m	+993.81% (above 0%: growing)	64.21%	0.00%	Compare
TCBS Texas Community Bancshares, Inc.	$49.6M	13.4×	26.5×	+8.29% (above 0%: growing)	+54.17% (above 0%: growing)	−4.04% (below 0%: shrinking)	67.29%	0.00%	Compare
MBBC Marathon Bancorp, Inc.	$44.1M	21.3×	—	+17.92% (above 0%: growing)	n/m	+110.20% (above 0%: growing)	70.72%	0.00%	Compare
KFFB Kentucky First Federal Bancorp	$43.8M	23.1×	—	+7.22% (above 0%: growing)	+320.50% (above 0%: growing)	+650.00% (above 0%: growing)	59.33%	0.00%
GBNY Generations Bancorp NY, Inc.	$35.1M	— (loss-making)	23.0×	+3.79% (above 0%: growing)	n/m	−40.08% (below 0%: shrinking)	48.38%	0.00%	Compare
Median of peers	$61.5M	21.3×	23.0×	+6.16%	+15.11%	−9.13%	70.44%	0.00%

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