Kentucky First Federal Bancorp (KFFB) 10-Year Financial Performance & Capital Metrics

KFFB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

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 $0 -100.0%
Total Revenue $0 -100.0%
Net Income $0 +100.0%
Return on Equity -
Net Interest Margin 0% -100.0%
Efficiency Ratio -
ROA -
Equity / Assets 13% +1.5%
Book Value per Share 5.97 +0.8%
Tangible BV/Share 5.97 +0.8%
Debt/Equity 0.88 -38.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Momentum leader: RS Rating 81 (top 19%)
✓Well capitalized: 13.0% equity/assets
✓Trading at only 0.7x book value

✗Weaknesses

✗Weak Piotroski F-Score: 2/9

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y-

3Y-

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM101.28%

EPS CAGR

10Y-21.47%

5Y-

3Y-51.04%

TTM135.16%

ROCE

10Y Avg-0.15%

5Y Avg0.9%

3Y Avg-0.23%

Latest-

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Net Interest Income+	10.27M	9.86M	9.72M	9.45M	9.32M	10.01M	9.16M	8.86M	6.99M	0
NII Growth %	-0.06%	-0.04%	-0.01%	-0.03%	-0.01%	0.07%	-0.09%	-0.03%	-0.21%	-1%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	11.63M	11.32M	11.89M	12.7M	12.82M	12.15M	10.91M	12.76M	16.28M	0
Interest Expense	1.36M	1.46M	2.16M	3.25M	3.5M	2.14M	1.75M	3.9M	9.28M	0
Loan Loss Provision	15K	242K	185K	11K	103K	192K	-60K	113K	24K	0
Non-Interest Income+	387K	362K	691K	234K	399K	597K	515K	292K	251K	0
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	12.02M	11.68M	12.58M	12.93M	13.22M	12.75M	11.43M	13.05M	16.53M	0
Revenue Growth %	-0.07%	-0.03%	0.08%	0.03%	0.02%	-0.04%	-0.1%	0.14%	0.27%	-1%
Non-Interest Expense	8.55M	8.53M	8.95M	8.72M	21.9M	8.24M	7.67M	7.81M	9.18M	0
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	2.1M	1.45M	1.29M	953K	-12.28M	2.17M	2.07M	1.23M	-1.96M	0
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.32%	-0.31%	-0.11%	-0.26%	-13.89%	1.18%	-0.05%	-0.41%	-2.6%	1%
Pretax Income+	2.1M	1.45M	1.29M	953K	-12.28M	2.17M	2.07M	1.23M	-1.96M	0
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	596K	513K	-37K	141K	264K	352K	477K	294K	-239K	0
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.5M	935K	1.32M	812K	-12.55M	1.82M	1.59M	933K	-1.72M	0
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.27%	-0.38%	0.41%	-0.39%	-16.45%	1.15%	-0.13%	-0.41%	-2.84%	1%
Net Income (Continuing)	1.5M	935K	1.32M	812K	-12.55M	1.82M	1.59M	933K	-1.72M	0
EPS (Diluted)+	0.18	0.11	0.16	0.10	-1.52	0.22	0.19	0.11	-0.21	0.02
EPS Growth %	-0.28%	-0.39%	0.45%	-0.38%	-16.2%	1.14%	-0.14%	-0.42%	-2.91%	1.11%
EPS (Basic)	0.18	0.11	0.16	0.10	-1.52	0.22	0.19	0.11	-0.21	0.02
Diluted Shares Outstanding	8.32M	8.35M	8.37M	8.34M	8.25M	8.22M	8.21M	8.13M	8.1M	8.1M

Balance Sheet

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Cash & Due from Banks	16.82M	17M	15.63M	16.68M	15.93M	16.89M	11M	7.5M	17.58M	0
Short Term Investments	134K	71K	48K	1000K	541K	33K	1000K	1000K	1000K	0
Total Investments+	242.68M	259.8M	271.36M	282.79M	287.69M	299.7M	285.55M	326.16M	343M	0
Investments Growth %	-0.03%	0.07%	0.04%	0.04%	0.02%	0.04%	-0.05%	0.14%	0.05%	-1%
Long-Term Investments	242.55M	259.73M	271.31M	281.74M	287.15M	299.67M	275.07M	314.08M	333.35M	0
Accounts Receivables	710K	679K	706K	758K	830K	694K	649K	902K	1000K	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	14.51M	14.51M	14.51M	14.51M	947K	947K	947K	947K	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	6.02M	5.81M	5.65M	5.03M	4.92M	4.7M	4.56M	4.43M	4.27M	4.21M
Other Assets	11.04M	10.61M	10.39M	10.6M	10.68M	15.09M	24.99M	8.93M	8.73M	-5.16M
Total Current Assets	17.66M	17.75M	16.39M	18.89M	17.44M	17.66M	22.51M	20.63M	28.62M	20.92M
Total Non-Current Assets	274.12M	290.66M	301.86M	311.88M	303.7M	320.4M	305.57M	328.39M	346.35M	0
Total Assets+	291.87M	308.49M	318.39M	330.63M	321.14M	338.06M	328.08M	349.02M	374.97M	372.16M
Asset Growth %	-0.01%	0.06%	0.03%	0.04%	-0.03%	0.05%	-0.03%	0.06%	0.07%	-0.01%
Return on Assets (ROA)	0.01%	0%	0%	0%	-0.04%	0.01%	0%	0%	-0%	-
Accounts Payable	22K	21K	22K	28K	27K	20K	12K	70K	176K	0
Total Debt+	33.21M	55.78M	53.05M	66.7M	54.72M	56.87M	34.07M	70.09M	68.99M	42.76M
Net Debt	16.39M	38.77M	37.42M	50.02M	38.78M	39.98M	23.07M	62.59M	51.4M	42.76M
Long-Term Debt	33.21M	55.78M	53.05M	66.7M	54.72M	56.87M	34.07M	70.09M	68.99M	35.07M
Short-Term Debt	0	0	0	0	0	0	0	0	0	7.69M
Other Liabilities	1.31M	1.4M	1.46M	1.23M	1.37M	1.42M	1.23M	1.33M	1.55M	-36.05M
Total Current Liabilities	188.59M	182.87M	195.68M	195.86M	212.3M	226.86M	239.87M	226.38M	256.31M	210.48M
Total Non-Current Liabilities	35.76M	58.47M	55.52M	68.63M	56.92M	58.9M	36.19M	71.93M	70.66M	0
Total Liabilities	224.36M	241.34M	251.19M	264.36M	269.23M	285.77M	276.06M	298.31M	326.97M	323.79M
Total Equity+	67.52M	67.15M	67.2M	66.28M	51.91M	52.3M	52.02M	50.71M	48M	48.37M
Equity Growth %	0%	-0.01%	0%	-0.01%	-0.22%	0.01%	-0.01%	-0.03%	-0.05%	0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.02%	0.01%	0.02%	0.01%	-0.21%	0.03%	0.03%	0.02%	-0.03%	-
Book Value per Share	8.11	8.05	8.03	7.95	6.29	6.36	6.33	6.24	5.93	5.97
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	86K	86K	86K	86K	86K	86K	86K	86K	86K	86K
Additional Paid-in Capital	34.64M	35.08M	35.09M	35.06M	34.98M	34.92M	34.89M	34.89M	34.89M	34.89M
Retained Earnings	34.73M	34.18M	34.05M	33.87M	19.93M	20.36M	20.56M	20.13M	17.32M	17.51M
Accumulated OCI	31K	1K	0	4K	2K	0	0	-427K	-336K	-145K
Treasury Stock	-937K	-1.35M	-1.35M	-2.26M	-2.8M	-2.97M	-3.51M	-3.97M	-3.97M	-3.97M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash from Operations+	1.45M	2.11M	1.15M	1M	1.04M	1.58M	2.64M	1.15M	-1.45M	-86K
Operating CF Growth %	-0.53%	0.46%	-0.46%	-0.13%	0.04%	0.52%	0.67%	-0.56%	-2.26%	0.94%
Net Income	1.5M	935K	1.32M	812K	-12.55M	1.82M	1.59M	933K	-1.72M	181K
Depreciation & Amortization	321K	336K	309K	282K	277K	288K	285K	255K	234K	0
Deferred Taxes	77K	92K	-276K	141K	136K	-223K	275K	-234K	-289K	0
Other Non-Cash Items	-74K	110K	-278K	-7K	12.96M	-774K	910K	83K	641K	-814K
Working Capital Changes	-567K	410K	-117K	-384K	107K	348K	-492K	111K	-319K	547K
Cash from Investing+	3.93M	-17.87M	-12.58M	-12.58M	243K	-8.85M	13.33M	-39.48M	-16.6M	6.12M
Purchase of Investments	-11M	-6.5M	0	-994K	0	-1K	-10.45M	-4.97M	0	0
Sale/Maturity of Investments	1000K	1000K	495K	224K	671K	635K	122K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	2.76M	-20.37M	-12.93M	-11.66M	-263K	-9.38M	23.81M	-37.28M	-19.18M	6.12M
Cash from Financing+	-5.91M	15.47M	8.57M	11.49M	2.56M	15.21M	-11.8M	20.68M	28.18M	-4.84M
Dividends Paid	-1.48M	-1.49M	-1.45M	-1.44M	-1.39M	-1.39M	-1.39M	-1.36M	-670K	0
Share Repurchases	0	0	0	-904K	-542K	-167K	-540K	-461K	0	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	-11M	-5.62M	12.75M	184K	16.47M	14.61M	12.94M	-13.52M	29.95M	21.38M
Net Change in Cash+	-527K	-304K	-2.86M	-82K	3.84M	7.95M	4.17M	-17.66M	10.12M	1.19M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	13.63M	13.11M	12.8M	9.94M	9.86M	13.7M	21.65M	25.82M	8.17M	18.29M
Cash at End	13.11M	12.8M	9.94M	9.86M	13.7M	21.65M	25.82M	8.17M	18.29M	19.48M
Interest Paid	1.45M	1.49M	2.16M	3.25M	0	2.15M	1.76M	3.84M	9.18M	0
Income Taxes Paid	710K	400K	300K	100K	0	475K	550K	290K	125K	0
Free Cash Flow+	338K	1.99M	998K	854K	877K	1.48M	2.49M	1.02M	-1.52M	-235K
FCF Growth %	-0.85%	4.88%	-0.5%	-0.14%	0.03%	0.69%	0.68%	-0.59%	-2.48%	0.85%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	2.23%	1.39%	1.97%	1.22%	-21.23%	3.49%	3.05%	1.82%	-3.49%	-
Return on Assets (ROA)	0.51%	0.31%	0.42%	0.25%	-3.85%	0.55%	0.48%	0.28%	-0.48%	-
Net Interest Margin	3.52%	3.2%	3.05%	2.86%	2.9%	2.96%	2.79%	2.54%	1.87%	0%
Efficiency Ratio	71.12%	73.05%	71.12%	67.4%	165.66%	64.66%	67.09%	59.83%	55.55%	-
Equity / Assets	23.13%	21.77%	21.11%	20.05%	16.16%	15.47%	15.86%	14.53%	12.8%	13%
Book Value / Share	8.11	8.05	8.03	7.95	6.29	6.36	6.33	6.24	5.93	5.97
NII Growth	-6.27%	-4.04%	-1.36%	-2.85%	-1.31%	7.37%	-8.5%	-3.32%	-21.03%	-100%
Dividend Payout	98.6%	159.04%	109.83%	176.85%	-	76.26%	87.67%	146.09%	-	-

Frequently Asked Questions

Valuation & Price

Kentucky First Federal Bancorp (KFFB) has a price-to-earnings (P/E) ratio of 193.7x. This suggests investors expect higher future growth.

Growth & Financials

Kentucky First Federal Bancorp (KFFB) saw revenue decline by 100.0% over the past year.

Yes, Kentucky First Federal Bancorp (KFFB) is profitable, generating $0.0M in net income for fiscal year 2025.

Industry Metrics

Kentucky First Federal Bancorp (KFFB) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

Kentucky First Federal Bancorp (KFFB) has an efficiency ratio of 0.0%. This is excellent, indicating strong cost control.

US Stock Screener

...

Kentucky First Federal Bancorp (KFFB) 10-Year Financial Performance & Capital Metrics

KFFB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

Net Interest Income $0 -100.0%
Total Revenue $0 -100.0%
Net Income $0 +100.0%
Return on Equity -
Net Interest Margin 0% -100.0%
Efficiency Ratio -
ROA -
Equity / Assets 13% +1.5%
Book Value per Share 5.97 +0.8%
Tangible BV/Share 5.97 +0.8%
Debt/Equity 0.88 -38.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Momentum leader: RS Rating 81 (top 19%)
✓Well capitalized: 13.0% equity/assets
✓Trading at only 0.7x book value

✗Weaknesses

✗Weak Piotroski F-Score: 2/9

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y-

3Y-

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM101.28%

EPS CAGR

10Y-21.47%

5Y-

3Y-51.04%

TTM135.16%

ROCE

10Y Avg-0.15%

5Y Avg0.9%

3Y Avg-0.23%

Latest-

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Net Interest Income+	10.27M	9.86M	9.72M	9.45M	9.32M	10.01M	9.16M	8.86M	6.99M	0
NII Growth %	-0.06%	-0.04%	-0.01%	-0.03%	-0.01%	0.07%	-0.09%	-0.03%	-0.21%	-1%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	11.63M	11.32M	11.89M	12.7M	12.82M	12.15M	10.91M	12.76M	16.28M	0
Interest Expense	1.36M	1.46M	2.16M	3.25M	3.5M	2.14M	1.75M	3.9M	9.28M	0
Loan Loss Provision	15K	242K	185K	11K	103K	192K	-60K	113K	24K	0
Non-Interest Income+	387K	362K	691K	234K	399K	597K	515K	292K	251K	0
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	12.02M	11.68M	12.58M	12.93M	13.22M	12.75M	11.43M	13.05M	16.53M	0
Revenue Growth %	-0.07%	-0.03%	0.08%	0.03%	0.02%	-0.04%	-0.1%	0.14%	0.27%	-1%
Non-Interest Expense	8.55M	8.53M	8.95M	8.72M	21.9M	8.24M	7.67M	7.81M	9.18M	0
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	2.1M	1.45M	1.29M	953K	-12.28M	2.17M	2.07M	1.23M	-1.96M	0
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.32%	-0.31%	-0.11%	-0.26%	-13.89%	1.18%	-0.05%	-0.41%	-2.6%	1%
Pretax Income+	2.1M	1.45M	1.29M	953K	-12.28M	2.17M	2.07M	1.23M	-1.96M	0
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	596K	513K	-37K	141K	264K	352K	477K	294K	-239K	0
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.5M	935K	1.32M	812K	-12.55M	1.82M	1.59M	933K	-1.72M	0
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.27%	-0.38%	0.41%	-0.39%	-16.45%	1.15%	-0.13%	-0.41%	-2.84%	1%
Net Income (Continuing)	1.5M	935K	1.32M	812K	-12.55M	1.82M	1.59M	933K	-1.72M	0
EPS (Diluted)+	0.18	0.11	0.16	0.10	-1.52	0.22	0.19	0.11	-0.21	0.02
EPS Growth %	-0.28%	-0.39%	0.45%	-0.38%	-16.2%	1.14%	-0.14%	-0.42%	-2.91%	1.11%
EPS (Basic)	0.18	0.11	0.16	0.10	-1.52	0.22	0.19	0.11	-0.21	0.02
Diluted Shares Outstanding	8.32M	8.35M	8.37M	8.34M	8.25M	8.22M	8.21M	8.13M	8.1M	8.1M

Balance Sheet

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Cash & Due from Banks	16.82M	17M	15.63M	16.68M	15.93M	16.89M	11M	7.5M	17.58M	0
Short Term Investments	134K	71K	48K	1000K	541K	33K	1000K	1000K	1000K	0
Total Investments+	242.68M	259.8M	271.36M	282.79M	287.69M	299.7M	285.55M	326.16M	343M	0
Investments Growth %	-0.03%	0.07%	0.04%	0.04%	0.02%	0.04%	-0.05%	0.14%	0.05%	-1%
Long-Term Investments	242.55M	259.73M	271.31M	281.74M	287.15M	299.67M	275.07M	314.08M	333.35M	0
Accounts Receivables	710K	679K	706K	758K	830K	694K	649K	902K	1000K	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	14.51M	14.51M	14.51M	14.51M	947K	947K	947K	947K	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	6.02M	5.81M	5.65M	5.03M	4.92M	4.7M	4.56M	4.43M	4.27M	4.21M
Other Assets	11.04M	10.61M	10.39M	10.6M	10.68M	15.09M	24.99M	8.93M	8.73M	-5.16M
Total Current Assets	17.66M	17.75M	16.39M	18.89M	17.44M	17.66M	22.51M	20.63M	28.62M	20.92M
Total Non-Current Assets	274.12M	290.66M	301.86M	311.88M	303.7M	320.4M	305.57M	328.39M	346.35M	0
Total Assets+	291.87M	308.49M	318.39M	330.63M	321.14M	338.06M	328.08M	349.02M	374.97M	372.16M
Asset Growth %	-0.01%	0.06%	0.03%	0.04%	-0.03%	0.05%	-0.03%	0.06%	0.07%	-0.01%
Return on Assets (ROA)	0.01%	0%	0%	0%	-0.04%	0.01%	0%	0%	-0%	-
Accounts Payable	22K	21K	22K	28K	27K	20K	12K	70K	176K	0
Total Debt+	33.21M	55.78M	53.05M	66.7M	54.72M	56.87M	34.07M	70.09M	68.99M	42.76M
Net Debt	16.39M	38.77M	37.42M	50.02M	38.78M	39.98M	23.07M	62.59M	51.4M	42.76M
Long-Term Debt	33.21M	55.78M	53.05M	66.7M	54.72M	56.87M	34.07M	70.09M	68.99M	35.07M
Short-Term Debt	0	0	0	0	0	0	0	0	0	7.69M
Other Liabilities	1.31M	1.4M	1.46M	1.23M	1.37M	1.42M	1.23M	1.33M	1.55M	-36.05M
Total Current Liabilities	188.59M	182.87M	195.68M	195.86M	212.3M	226.86M	239.87M	226.38M	256.31M	210.48M
Total Non-Current Liabilities	35.76M	58.47M	55.52M	68.63M	56.92M	58.9M	36.19M	71.93M	70.66M	0
Total Liabilities	224.36M	241.34M	251.19M	264.36M	269.23M	285.77M	276.06M	298.31M	326.97M	323.79M
Total Equity+	67.52M	67.15M	67.2M	66.28M	51.91M	52.3M	52.02M	50.71M	48M	48.37M
Equity Growth %	0%	-0.01%	0%	-0.01%	-0.22%	0.01%	-0.01%	-0.03%	-0.05%	0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.02%	0.01%	0.02%	0.01%	-0.21%	0.03%	0.03%	0.02%	-0.03%	-
Book Value per Share	8.11	8.05	8.03	7.95	6.29	6.36	6.33	6.24	5.93	5.97
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	86K	86K	86K	86K	86K	86K	86K	86K	86K	86K
Additional Paid-in Capital	34.64M	35.08M	35.09M	35.06M	34.98M	34.92M	34.89M	34.89M	34.89M	34.89M
Retained Earnings	34.73M	34.18M	34.05M	33.87M	19.93M	20.36M	20.56M	20.13M	17.32M	17.51M
Accumulated OCI	31K	1K	0	4K	2K	0	0	-427K	-336K	-145K
Treasury Stock	-937K	-1.35M	-1.35M	-2.26M	-2.8M	-2.97M	-3.51M	-3.97M	-3.97M	-3.97M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash from Operations+	1.45M	2.11M	1.15M	1M	1.04M	1.58M	2.64M	1.15M	-1.45M	-86K
Operating CF Growth %	-0.53%	0.46%	-0.46%	-0.13%	0.04%	0.52%	0.67%	-0.56%	-2.26%	0.94%
Net Income	1.5M	935K	1.32M	812K	-12.55M	1.82M	1.59M	933K	-1.72M	181K
Depreciation & Amortization	321K	336K	309K	282K	277K	288K	285K	255K	234K	0
Deferred Taxes	77K	92K	-276K	141K	136K	-223K	275K	-234K	-289K	0
Other Non-Cash Items	-74K	110K	-278K	-7K	12.96M	-774K	910K	83K	641K	-814K
Working Capital Changes	-567K	410K	-117K	-384K	107K	348K	-492K	111K	-319K	547K
Cash from Investing+	3.93M	-17.87M	-12.58M	-12.58M	243K	-8.85M	13.33M	-39.48M	-16.6M	6.12M
Purchase of Investments	-11M	-6.5M	0	-994K	0	-1K	-10.45M	-4.97M	0	0
Sale/Maturity of Investments	1000K	1000K	495K	224K	671K	635K	122K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	2.76M	-20.37M	-12.93M	-11.66M	-263K	-9.38M	23.81M	-37.28M	-19.18M	6.12M
Cash from Financing+	-5.91M	15.47M	8.57M	11.49M	2.56M	15.21M	-11.8M	20.68M	28.18M	-4.84M
Dividends Paid	-1.48M	-1.49M	-1.45M	-1.44M	-1.39M	-1.39M	-1.39M	-1.36M	-670K	0
Share Repurchases	0	0	0	-904K	-542K	-167K	-540K	-461K	0	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	-11M	-5.62M	12.75M	184K	16.47M	14.61M	12.94M	-13.52M	29.95M	21.38M
Net Change in Cash+	-527K	-304K	-2.86M	-82K	3.84M	7.95M	4.17M	-17.66M	10.12M	1.19M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	13.63M	13.11M	12.8M	9.94M	9.86M	13.7M	21.65M	25.82M	8.17M	18.29M
Cash at End	13.11M	12.8M	9.94M	9.86M	13.7M	21.65M	25.82M	8.17M	18.29M	19.48M
Interest Paid	1.45M	1.49M	2.16M	3.25M	0	2.15M	1.76M	3.84M	9.18M	0
Income Taxes Paid	710K	400K	300K	100K	0	475K	550K	290K	125K	0
Free Cash Flow+	338K	1.99M	998K	854K	877K	1.48M	2.49M	1.02M	-1.52M	-235K
FCF Growth %	-0.85%	4.88%	-0.5%	-0.14%	0.03%	0.69%	0.68%	-0.59%	-2.48%	0.85%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	2.23%	1.39%	1.97%	1.22%	-21.23%	3.49%	3.05%	1.82%	-3.49%	-
Return on Assets (ROA)	0.51%	0.31%	0.42%	0.25%	-3.85%	0.55%	0.48%	0.28%	-0.48%	-
Net Interest Margin	3.52%	3.2%	3.05%	2.86%	2.9%	2.96%	2.79%	2.54%	1.87%	0%
Efficiency Ratio	71.12%	73.05%	71.12%	67.4%	165.66%	64.66%	67.09%	59.83%	55.55%	-
Equity / Assets	23.13%	21.77%	21.11%	20.05%	16.16%	15.47%	15.86%	14.53%	12.8%	13%
Book Value / Share	8.11	8.05	8.03	7.95	6.29	6.36	6.33	6.24	5.93	5.97
NII Growth	-6.27%	-4.04%	-1.36%	-2.85%	-1.31%	7.37%	-8.5%	-3.32%	-21.03%	-100%
Dividend Payout	98.6%	159.04%	109.83%	176.85%	-	76.26%	87.67%	146.09%	-	-

Frequently Asked Questions

Valuation & Price

Kentucky First Federal Bancorp (KFFB) has a price-to-earnings (P/E) ratio of 193.7x. This suggests investors expect higher future growth.

Growth & Financials

Kentucky First Federal Bancorp (KFFB) saw revenue decline by 100.0% over the past year.

Yes, Kentucky First Federal Bancorp (KFFB) is profitable, generating $0.0M in net income for fiscal year 2025.

Industry Metrics

Kentucky First Federal Bancorp (KFFB) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

Kentucky First Federal Bancorp (KFFB) has an efficiency ratio of 0.0%. This is excellent, indicating strong cost control.