Operational cash flow improved to $886.0K in 2026Q3, reflecting a shift toward earnings retention to support the capital base rather than relying on historical securities liquidations.
| Metric | TTM | Jun'25 | Jun'24 | Jun'23 | Jun'22 | Jun'21 | Jun'20 | Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 | Jun'09 | Jun'08 | Jun'07 | Jun'06 | Jun'05 | Jun'04 |
|---|
| Cash from Operations | 1.06M | -86K | -1.45M | 1.15M | 2.64M | 1.58M | 1.04M | 1M | 1.15M | 2.11M | 1.45M | 3.1M | 2.49M | 3.77M | 1.44M | 3.51M | 1.19M | 1.41M | 1.26M | 1.02M | 1.64M | 1.08M | 1.02M |
| Operating CF Growth % | 798.25% | 94.09% | -226.22% | -56.38% | 67.05% | 51.73% | 3.99% | -12.79% | -45.6% | 46.06% | -53.29% | 24.49% | -34.03% | 161.26% | -58.84% | 195.37% | -15.58% | 11.76% | 23.33% | -37.77% | 51.9% | 5.78% | - |
| Net Income | 1.41M | 181K | -1.72M | 933K | 1.59M | 1.82M | -12.55M | 812K | 1.32M | 935K | 1.5M | 2.07M | 1.93M | 2.92M | 1.72M | 1.76M | 401K | 728K | 932K | 885K | 1.59M | 1.63M | 761K |
| Depreciation & Amortization | 73K | 0 | 234K | 255K | 285K | 288K | 277K | 282K | 309K | 336K | 321K | 278K | 288K | 231K | 276K | 316K | 303K | 308K | 277K | -152K | 14K | -63K | 81K |
| Deferred Taxes | 63K | 0 | -289K | -234K | 275K | -223K | 136K | 141K | -276K | 92K | 77K | 305K | -104K | 213K | -247K | 0 | 0 | 0 | 147K | 318K | 268K | 563K | 28K |
| Other Non-Cash Items | -1.36M | -814K | 641K | 83K | 910K | -774K | 12.96M | -7K | -278K | 110K | -74K | -271K | 367K | -364K | -389K | 1.4M | 1.15M | -172K | -374K | 98K | -373K | -146K | -182K |
| Working Capital Changes | 881K | 547K | -319K | 111K | -492K | 348K | 107K | -384K | -117K | 410K | -567K | 561K | -153K | 628K | -92K | 31K | -661K | 542K | 276K | -129K | 142K | -904K | 332K |
| Cash from Investing | 623K | 6.12M | -16.6M | -39.48M | 13.33M | -8.85M | 243K | -12.58M | -12.58M | -17.87M | 3.93M | 4.82M | 18.46M | 15.86M | 4.54M | 6.04M | 7.19M | -5.22M | 34.86M | -5.95M | 5.21M | -5.72M | -17.47M |
| Purchase of Investments | -2.4M | 0 | 0 | -4.97M | -10.45M | -1K | 0 | -994K | 0 | -6.5M | -11M | -8.5M | -10M | -14M | -12.5M | -11M | -3.8M | -7.21M | 0 | -100K | -100K | 0 | -29.54M |
| Sale/Maturity of Investments | 0 | 0 | 2.64M | 2.9M | 122K | 635K | 671K | 224K | 495K | 9.13M | 13.28M | 10.99M | 13.03M | 17.19M | 14.57M | 13.67M | 10.64M | 2.1M | 50.92M | 4.8M | 9.02M | 1.94M | 11.88M |
| Net Investment Activity | -2.4M | 0 | 2.64M | -2.08M | -10.33M | 634K | 671K | -770K | 495K | 2.63M | 2.28M | 2.49M | 3.03M | 3.19M | 2.07M | 2.67M | 6.84M | -5.11M | 50.92M | 4.7M | 8.92M | 1.94M | -17.66M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3.35M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -8.92M | 0 |
| Other Investing | 3.03M | 6.12M | -19.18M | -37.28M | 23.81M | -9.38M | -263K | -11.66M | -12.93M | -20.37M | 2.76M | 3.22M | 15.74M | 16.1M | 2.63M | 3.5M | 410K | 188K | -15.97M | -10.6M | -3.67M | 1.33M | 224K |
| Cash from Financing | -8.14M | -4.84M | 28.18M | 20.68M | -11.8M | 15.21M | 2.56M | 11.49M | 8.57M | 15.47M | -5.91M | -5.79M | -25.98M | -8.82M | -5.29M | -12.86M | -4.23M | -7.93M | -22.87M | 5.36M | -12.91M | -3.86M | 2.97M |
| Dividends Paid | 0 | 0 | -670K | -1.36M | -1.39M | -1.39M | -1.39M | -1.44M | -1.45M | -1.49M | -1.48M | -1.39M | -1.51M | -1.28M | -1.6M | -1.11M | -1.14M | -1.17M | -1.18M | -1.35M | -1.55M | -353K | 0 |
| Share Repurchases | 0 | 0 | 0 | -461K | -540K | -167K | -542K | -904K | 0 | 0 | 0 | -698K | -42K | -61K | -135K | -218K | -573K | -1.68M | -2.61M | -2.74M | -2.01M | 0 | 11M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.99M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12.72M | 13K |
| Net Stock Activity | 0 | 0 | 0 | -461K | -540K | -167K | -542K | -904K | 0 | 0 | 0 | -698K | -42K | 6.93M | -135K | -218K | -573K | -1.68M | -2.61M | -2.74M | -2.01M | 12.72M | 11.01M |
| Debt Issuance (Net) | 0 | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K |
| Other Financing | -3.65M | 21.38M | 29.95M | -13.52M | 12.94M | 14.61M | 16.47M | 184K | 12.75M | -5.62M | -11M | -13.15M | -17.37M | -4.66M | -5.37M | -4.89M | 5.27M | 2.07M | -2.26M | -1.37M | -13.77M | -15.01M | 0 |
| Net Change in Cash | -6.46M | 1.19M | 10.12M | -17.66M | 4.17M | 7.95M | 3.84M | -82K | -2.86M | -304K | -527K | 2.12M | -5.03M | 10.8M | 686K | -3.31M | 4.14M | -11.75M | 13.25M | 426K | -6.06M | -8.5M | -13.49M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 19.67M | 18.29M | 8.17M | 25.82M | 21.65M | 13.7M | 9.86M | 9.94M | 12.8M | 13.11M | 13.63M | 11.51M | 16.54M | 5.74M | 5.05M | 8.36M | 4.22M | 15.97M | 2.72M | 2.29M | 8.36M | 16.86M | 30.35M |
| Cash at End | 21.3M | 19.48M | 18.29M | 8.17M | 25.82M | 21.65M | 13.7M | 9.86M | 9.94M | 12.8M | 13.11M | 13.63M | 11.51M | 16.54M | 5.74M | 5.05M | 8.36M | 4.22M | 15.97M | 2.72M | 2.29M | 8.36M | 16.86M |
| Interest Paid | 3.1M | 0 | 9.18M | 3.84M | 1.76M | 2.15M | 0 | 3.25M | 2.16M | 1.49M | 1.45M | 1.64M | 2.09M | 2.14M | 2.22M | 0 | 5.38M | 6.45M | 0 | 7.47M | 0 | 0 | 0 |
| Income Taxes Paid | 150K | 0 | 125K | 290K | 550K | 475K | 0 | 100K | 300K | 400K | 710K | 330K | 1.27M | 960K | 1.09M | 0 | 360K | 490K | 0 | 165K | 0 | 0 | 0 |
| Free Cash Flow | 929K | -235K | -1.52M | 1.02M | 2.49M | 1.48M | 877K | 854K | 998K | 1.99M | 338K | 2.21M | 2.18M | 3.69M | 1.28M | 3.38M | 1.13M | 1.11M | 1.15M | 963K | 1.6M | 1.01M | 981K |
| FCF Growth % | 304.18% | 84.54% | -248.29% | -58.84% | 68.24% | 68.76% | 2.69% | -14.43% | -49.8% | 488.17% | -84.72% | 1.56% | -41.04% | 188.59% | -62.19% | 200.09% | 1.44% | -3.14% | 19.21% | -39.77% | 57.69% | 3.36% | - |
Thin Net Interest Margin
As reported in recent quarterly filings, KFFB's net income has shown a positive trajectory, reaching $581.0K in 2026Q3, which suggests that the bank is successfully retaining earnings to bolster its capital position despite the structural constraints inherent in its mutual holding company ownership model.
The consistent, albeit modest, profitability indicates that the bank is avoiding the capital erosion seen in previous periods of net losses. Investors should monitor whether this earnings retention is sufficient to support future loan growth without requiring external capital injections or dilutive financing.
Based on historical cash flow data, KFFB has frequently utilized the sale of investment securities, with proceeds reaching $674.0K in 2024Q4, to manage liquidity needs, suggesting a reliance on portfolio liquidation rather than organic cash generation to fund operations during periods of net income volatility.
The absence of significant new investment purchases in recent quarters implies a defensive posture, likely intended to preserve liquidity amidst a narrow net interest margin environment. This strategy warrants further investigation into the remaining duration and yield profile of the existing securities portfolio.
According to the provided financial statements, KFFB has actively managed its long-term debt levels, with $1.0 million fluctuations occurring frequently, which indicates that the bank relies on wholesale funding to bridge the gap between its residential mortgage lending activity and its core deposit base.
The frequent issuance and repayment of long-term debt suggest that the bank is sensitive to interest rate cycles and may be using wholesale markets to manage its duration mismatch. This reliance on external funding sources may introduce volatility into the bank's net interest margin if market rates shift unexpectedly.
As indicated by the quarterly cash flow data, KFFB has maintained a consistent provision for loan losses, peaking at $41.0K in 2026Q3, which suggests a proactive approach to managing credit risk within its concentrated residential mortgage portfolio in the Hazard and Frankfort markets.
The variability in provisioning levels appears to track with the bank's recent loan growth, implying that management is adjusting reserves to account for potential credit deterioration. Analysts should continue to monitor these provisions as a leading indicator of asset quality in the bank's localized lending footprint.
Quick answers to the most common questions about buying KFFB stock.
Kentucky First Federal Bancorp (KFFB) generated $-0.1M in net cash from operating activities in 2025. This reflects the cash generated directly from core business operations.
Kentucky First Federal Bancorp (KFFB) reported negative free cash flow of $0.2M in 2025, indicating capital requirements exceeded cash from operations.
Kentucky First Federal Bancorp (KFFB) spent $0.0M on capital expenditures in 2025. CapEx represents the cash invested in physical assets like property, plant, and equipment to maintain or grow the business.