8-K Announcements
6Material company update
May 13, 2026·SEC
Material company update
Feb 19, 2026·SEC
Material company update
Feb 12, 2026·SEC
Kentucky First Federal Bancorp(KFFB)Earnings, Financials & Key Ratios
KFFB•NASDAQ•Banking & Credit
$5.00
224.2× P/E·Price updated Jun 27, 2026
AboutKentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. that provide various banking products and services in Kentucky. The company accepts deposit products include passbook savings and certificate accounts, checking accounts, and individual retirement accounts. Its loan portfolio comprises one-to four-family residential mortgage loans; construction loans; mortgage loans secured by multi-family property; nonresidential loans that are secured by commercial office buildings, churches, and properties used for other purposes; commercial non-mortgage loans; and consumer loans, such as home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured or personal loans. The company also invests in mortgage-backed securities. It operates through seven banking offices. The company was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp is a subsidiary of First Federal MHC.Show more
- Net Interest Income$8M+19.3%
- Total Revenue$20M+18.9%
- Net Income$181K+110.5%
- Return on Equity0.38%+110.8%
- Net Interest Margin2.24%+20.2%
- Efficiency Ratio43.14%-22.3%
- ROA0.05%+110.2%
- Equity / Assets13%+1.5%
- Book Value per Share5.97+0.8%
KFFB Price & Volume
Kentucky First Federal Bancorp (KFFB) stock price & volume — 10-year historical chart
Loading chart...
Thin Margins Constrain Kentucky First Federal Growth
Investment Thesis • Updated 2026Q3
VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial:Fortress
Cash Flow:Improving
Primary Risk:Narrow Net Interest Margin
Key Thesis Takeaways
- Kentucky First Federal Bancorp exhibits a stabilizing earnings trajectory with net income reaching $581.0K in 2026Q3, yet the institution remains structurally challenged by a thin 0.8% net interest margin.
- While the bank maintains a robust capital position with an equity-to-assets ratio of 0.13, its heavy reliance on a $339.3 million investment securities portfolio creates significant duration risk.
- Investors should monitor whether the bank can transition from passive asset accumulation to organic loan growth while navigating the persistent pressure on its operational efficiency ratio of 41.0%.
Verdict Logic
while the bank has achieved a positive net income of $581.0K in 2026Q3, the current P/B ratio of 0.84 and thin 0.8% net interest margin suggest limited upside potential in the near term.
KFFB Growth Metrics
Kentucky First Federal Bancorp (KFFB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years4.3%
5 Years8.25%
3 Years19.8%
TTM-
Profit CAGR
10 Years-21.62%
5 Years-
3 Years-51.54%
TTM230.94%
EPS CAGR
10 Years-21.47%
5 Years-
3 Years-51.04%
TTM234.08%
Return on Capital
10 Years-0.12%
5 Years0.75%
3 Years-0.1%
Last Year0.17%
KFFB Recent Earnings
Kentucky First Federal Bancorp (KFFB) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 11, 2026Metric
Actual
Est
EPS
$0.07
—
Rev
$5M
—
Q1 2026
Feb 10, 2026Metric
Actual
Est
EPS
$0.04
—
Rev
$5M
—
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.04
—
Rev
—
—
Q4 2025
Sep 19, 2025Metric
Actual
Est
EPS
$0.02
—
Rev
—
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 11, 2026 | $0.07 | $5M |
| Q1 2026 | Feb 10, 2026 | $0.04 | $5M |
| Q4 2025 | Nov 6, 2025 | $0.04 | — |
| Q4 2025 | Sep 19, 2025 | $0.02 | — |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Kentucky First Federal Bancorp (KFFB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $5.00 | $40.43M | 224.22 | 18.88% | 0.92% | 0.38% | — | |
| $8.48 | $1.08B | 16.31 | 10.03% | 17.88% | 7.46% | — | |
| $32.49 | $299.9M | 10.72 | 34.22% | 19.06% | 10.43% | — | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — | |
| $49.59 | $2.58B | 14.89 | 10.36% | 19.66% | 9.83% | — | |
| $23.54 | $227.02M | 16.12 | -9.41% | 16.49% | 8% | — |
Compare KFFB vs Peers
Kentucky First Federal Bancorp (KFFB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
KFFB SEC Filings & Documents
Kentucky First Federal Bancorp (KFFB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when KFFB posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
KFFB Frequently Asked Questions
Kentucky First Federal Bancorp (KFFB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Kentucky First Federal Bancorp growing?
Kentucky First Federal Bancorp (KFFB) grew revenue by 18.9% over the past year. This is strong growth.
Is KFFB profitable?
Yes, Kentucky First Federal Bancorp (KFFB) is profitable, generating $1.4M in net income for fiscal year 2025 (0.9% net margin).
Dividend & Returns
What is KFFB's return on equity?
Kentucky First Federal Bancorp (KFFB) has a return on equity (ROE) of 0.4%. This is below average, suggesting room for improvement.
Industry Metrics
What is Kentucky First Federal Bancorp's net interest margin?
Kentucky First Federal Bancorp (KFFB) has a net interest margin (NIM) of 2.2%. NIM has been under pressure due to interest rate environment.
What is Kentucky First Federal Bancorp's efficiency ratio?
Kentucky First Federal Bancorp (KFFB) has an efficiency ratio of 43.1%. This is excellent, indicating strong cost control.