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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. 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%
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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Trend 2027e 2028e 2029e
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

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
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%

All 323 Banks Regional stocks →

Kentucky First Federal Bancorp (KFFB) key facts

  • Strength: Kentucky First Federal Bancorp’s revenue for fiscal 2026 (year ended June 2026) was $21.4 million, up 8.53% from fiscal 2025.
  • Kentucky First Federal Bancorp (KFFB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, KFFB traded at $5.40, a market capitalization of $43.8 million.
  • Kentucky First Federal Bancorp pays an annual dividend of $0.05 per share, a yield of 0.93%, with a payout ratio of 21.4%.
  • Return on equity was 3.87% and debt-to-equity 0.97.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2026.

Source: company filings (standardised) and stockrow calculations · fundamentals updated Sep 30, 2026.

Kentucky First Federal Bancorp (KFFB) Latest News

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stockrow.com/KFFB · Data as of Sep 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com