KFFB
Kentucky First Federal Bancorp
Price Chart
Latest Quote
$5.35
+0.13 (+2.49%)
Current Price
| Previous Close | $5.22 |
| Open | $5.35 |
| Day High | $5.39 |
| Day Low | $5.32 |
| Volume | 3,404 |
Stock Information
| Quarterly Dividend / Yield | $0.20 / 3.83% |
| Shares Outstanding | 8.09M |
| Quarterly Dividend Yield | 3.83% |
| Quarterly Dividend | $0.20 |
| Total Debt | $48.59M |
| Cash Equivalents | $16.48M |
| Revenue | $11.50M |
| Net Income | $1.91M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $43.26M |
| P/E Ratio | 22.29 |
| EPS (TTM) | $0.24 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $75.37M |
| Sales | $11.50M |
| Income | $1.91M |
| Book/sh | $6.22 |
| Cash/sh | $2.04 |
| Employees | 57 |
Financial Ratios
| EPS Growth TTM | 286.40% |
Returns & Margins
| ROA | 0.52% |
| ROE | 3.87% |
| Operating Margin | 29.88% |
| Profit Margin | 16.60% |
Ownership
| Insider Ownership | 62.69% |
| Institutional Ownership | 3.72% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 3.76 |
| P/B | 0.86 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $5.54 |
| SMA50 | $5.65 |
| SMA200 | $4.94 |
| RSI | 40.25 |
| ATR | 0.2307 |
| Shares Float | 3.03M |
| Short Float | 1.05% |
| Short Ratio | 3.52 |
| Volatility | 0.14 |
| Rel Volume | 0.37 |
Performance History
| Week | +1.33% |
| Month | -5.14% |
| Quarter | +0.81% |
| 6 Months | +25.14% |
| YTD | +16.24% |
| Year | +39.73% |
| 3 Years | +16.09% |
| 5 Years | -14.65% |
| 10 Years | nan% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $5.35 | 3,600 |
| 2026-10-26 | $5.22 | 0 |
| 2026-10-23 | $5.22 | 0 |
| 2026-10-22 | $5.22 | 1,400 |
| 2026-10-21 | $5.36 | 5,500 |
| 2026-10-20 | $5.28 | 8,200 |
| 2026-10-19 | $5.21 | 21,000 |
| 2026-10-16 | $5.40 | 5,500 |
| 2026-10-15 | $5.41 | 14,800 |
| 2026-10-14 | $5.63 | 20,400 |
| 2026-10-13 | $5.77 | 11,800 |
| 2026-10-12 | $5.74 | 22,800 |
| 2026-10-09 | $5.75 | 15,000 |
| 2026-10-08 | $5.99 | 17,100 |
| 2026-10-07 | $5.66 | 11,300 |
| 2026-10-06 | $5.75 | 14,300 |
| 2026-10-05 | $5.67 | 1,700 |
| 2026-10-02 | $5.64 | 10,700 |
| 2026-10-01 | $5.91 | 7,000 |
| 2026-09-30 | $5.65 | 3,200 |
| 2026-09-29 | $5.86 | 4,500 |
| 2026-09-28 | $5.64 | 5,300 |
About Kentucky First Federal Bancorp
Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provides various banking products and services in Kentucky. The company is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. Its loan portfolio comprises one-to-four-family residential, multi-family residential, and construction real estate loans; nonresidential real estate loans comprising of commercial office buildings, churches and properties used for other purposes; and consumer loans, including home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans, as well as commercial non-mortgage loans. Further, it provides safe deposit box, mobile banking, and e-statement services. Kentucky First Federal Bancorp was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp operates as a subsidiary of First Federal MHC.
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Income Statement (Annual)
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $11,740,000 | - | $7,245,000 | $9,148,000 |
| Operating Revenue | $11,740,000 | - | $7,245,000 | $9,148,000 |
| Expenses | ||||
| Interest Expense | $9,681,000 | - | $9,283,000 | $3,902,000 |
| Selling And Marketing Expense | $159,000 | - | $167,000 | $151,000 |
| General And Administrative Expense | $5,299,000 | - | $5,227,000 | $5,032,000 |
| Professional Expense And Contract Services Expense | $549,000 | $658,000 | $344,000 | $213,000 |
| Other Non Interest Expense | $2,428,000 | $2,071,000 | $1,904,000 | $1,812,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $1,909,000 | - | $-1,721,000 | $933,000 |
| Net Interest Income | $11,111,000 | - | $6,994,000 | $8,856,000 |
| Interest Income | $20,792,000 | - | $16,277,000 | $12,758,000 |
| Normalized Income | $1,909,000 | - | $-889,534 | $925,400 |
| Net Income From Continuing And Discontinued Operation | $1,909,000 | - | $-1,721,000 | $933,000 |
| Net Income Common Stockholders | $1,909,000 | - | $-1,721,000 | $933,000 |
| Net Income | $1,909,000 | - | $-1,721,000 | $933,000 |
| Net Income Including Noncontrolling Interests | $1,909,000 | - | $-1,721,000 | $933,000 |
| Net Income Continuous Operations | $1,909,000 | - | $-1,721,000 | $933,000 |
| Pretax Income | $2,504,000 | - | $-1,960,000 | $1,227,000 |
| Special Income Charges | - | - | $-947,000 | $10,000 |
| Per Share | ||||
| Diluted EPS | - | $0.02 | $-0.21 | $0.11 |
| Basic EPS | - | $0.02 | $-0.21 | $0.11 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | - | $-115,534 | $2,400 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $203,000 | - | $234,000 | $255,000 |
| Diluted NI Availto Com Stockholders | $1,909,000 | - | $-1,721,000 | $933,000 |
| Tax Provision | $595,000 | - | $-239,000 | $294,000 |
| Selling General And Administration | $5,458,000 | - | $5,394,000 | $5,183,000 |
| Insurance And Claims | $232,000 | - | $238,000 | $117,000 |
| Salaries And Wages | $5,067,000 | - | $4,989,000 | $4,915,000 |
| Occupancy And Equipment | $564,000 | - | $592,000 | $610,000 |
| Diluted Average Shares | - | $8,086,715 | $8,098,715 | $8,133,927 |
| Basic Average Shares | - | $8,086,715 | $8,098,715 | $8,133,927 |
| Total Unusual Items | - | - | $-947,000 | $10,000 |
| Total Unusual Items Excluding Goodwill | - | - | $-947,000 | $10,000 |
| Impairment Of Capital Assets | - | - | $947,000 | $0 |
| Other Special Charges | - | - | - | $-10,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-10-26
Balance Sheet (Annual)
| Metric | 2026-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $50,294,000 | $47,997,000 | $49,764,000 | $51,078,000 |
| Total Assets | $362,398,000 | $374,968,000 | $349,022,000 | $328,080,000 |
| Receivables | $1,648,000 | $1,169,000 | $902,000 | $649,000 |
| Accounts Receivable | $1,648,000 | $1,169,000 | $902,000 | $649,000 |
| Cash And Cash Equivalents | $14,958,000 | $17,584,000 | $7,502,000 | $10,999,000 |
| Cash Financial | $2,725,000 | $1,913,000 | $2,284,000 | $2,002,000 |
| Cash Cash Equivalents And Federal Funds Sold | $16,485,000 | $18,287,000 | $8,167,000 | $25,823,000 |
| Goodwill And Other Intangible Assets | - | $0 | $947,000 | $947,000 |
| Prepaid Assets | - | $219,000 | $144,000 | $382,000 |
| Debt | ||||
| Net Debt | $33,634,000 | $51,404,000 | $62,585,000 | $23,067,000 |
| Total Debt | $48,592,000 | $68,988,000 | $70,087,000 | $34,066,000 |
| Long Term Debt And Capital Lease Obligation | $48,592,000 | $68,988,000 | $70,087,000 | $34,066,000 |
| Long Term Debt | $48,592,000 | $68,988,000 | $70,087,000 | $34,066,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $312,104,000 | $326,971,000 | $298,311,000 | $276,055,000 |
| Non Current Deferred Liabilities | $37,000 | $113,000 | $513,000 | $889,000 |
| Non Current Deferred Taxes Liabilities | $37,000 | $113,000 | $513,000 | $889,000 |
| Payables And Accrued Expenses | $762,000 | $176,000 | $70,000 | $12,000 |
| Payables | $762,000 | $176,000 | $70,000 | $12,000 |
| Total Tax Payable | $96,000 | - | - | - |
| Income Tax Payable | $96,000 | - | - | - |
| Accounts Payable | $666,000 | $176,000 | $70,000 | $12,000 |
| Equity | ||||
| Common Stock Equity | $50,294,000 | $47,997,000 | $50,711,000 | $52,025,000 |
| Total Equity Gross Minority Interest | $50,294,000 | $47,997,000 | $50,711,000 | $52,025,000 |
| Stockholders Equity | $50,294,000 | $47,997,000 | $50,711,000 | $52,025,000 |
| Gains Losses Not Affecting Retained Earnings | $-129,000 | $-336,000 | $-427,000 | $0 |
| Retained Earnings | $19,415,000 | $17,325,000 | $20,130,000 | $20,560,000 |
| Other Equity Interest | - | - | - | $-5,000 |
| Other | ||||
| Ordinary Shares Number | $8,086,715 | $8,086,715 | $8,086,715 | $8,154,695 |
| Share Issued | $8,086,715 | $8,596,064 | $8,596,064 | $8,596,064 |
| Tangible Book Value | $50,294,000 | $47,997,000 | $49,764,000 | $51,078,000 |
| Invested Capital | $98,886,000 | $116,985,000 | $120,798,000 | $86,091,000 |
| Total Capitalization | $98,886,000 | $116,985,000 | $120,798,000 | $86,091,000 |
| Treasury Stock | $3,969,000 | $3,969,000 | $3,969,000 | $3,508,000 |
| Additional Paid In Capital | $34,891,000 | - | - | - |
| Capital Stock | $86,000 | $86,000 | $86,000 | $86,000 |
| Common Stock | $86,000 | $86,000 | $86,000 | $86,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $11,040,000 | $9,861,000 | $12,354,000 | $10,816,000 |
| Held To Maturity Securities | $134,000 | $213,000 | $274,000 | $339,000 |
| Net PPE | $4,144,000 | $4,267,000 | $4,435,000 | $4,563,000 |
| Accumulated Depreciation | $-6,706,000 | $-6,303,000 | $-6,069,000 | $-5,813,000 |
| Gross PPE | $10,850,000 | $10,570,000 | $10,504,000 | $10,376,000 |
| Machinery Furniture Equipment | $2,345,000 | $2,236,000 | $2,220,000 | $2,206,000 |
| Buildings And Improvements | $6,989,000 | $6,818,000 | $6,768,000 | $6,654,000 |
| Land And Improvements | $1,516,000 | $1,516,000 | $1,516,000 | $1,516,000 |
| Other Short Term Investments | $10,906,000 | $9,648,000 | $12,080,000 | $10,477,000 |
| Treasury Shares Number | - | $509,349 | $509,349 | $441,369 |
| Goodwill | - | $0 | $947,000 | $947,000 |
Fetched: 2026-10-26
Cash Flow Statement (Annual)
| Metric | 2026-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $1,111,000 | $-1,520,000 | $1,025,000 | $2,490,000 |
| Operating Activities | ||||
| Operating Cash Flow | $1,247,000 | $-1,454,000 | $1,152,000 | $2,641,000 |
| Cash Flow From Continuing Operating Activities | $1,247,000 | $-1,454,000 | $1,152,000 | $2,641,000 |
| Operating Gains Losses | $-309,000 | $-14,000 | $-15,000 | $-255,000 |
| Investing Activities | ||||
| Capital Expenditure | $-136,000 | $-66,000 | $-127,000 | $-151,000 |
| Investing Cash Flow | $6,552,000 | $-16,603,000 | $-39,484,000 | $13,333,000 |
| Cash Flow From Continuing Investing Activities | $6,552,000 | $-16,603,000 | $-39,484,000 | $13,333,000 |
| Net Other Investing Changes | $88,000 | $461,000 | $1,875,000 | $50,000 |
| Financing Activities | ||||
| Financing Cash Flow | $-10,794,000 | $28,177,000 | $20,676,000 | $-11,799,000 |
| Cash Flow From Continuing Financing Activities | $-10,794,000 | $28,177,000 | $20,676,000 | $-11,799,000 |
| Net Other Financing Charges | $105,000 | $116,000 | $27,000 | $-72,000 |
| Repurchase Of Capital Stock | - | $0 | $-461,000 | $-540,000 |
| Cash Dividends Paid | - | $-670,000 | $-1,363,000 | $-1,394,000 |
| Common Stock Dividend Paid | - | $-670,000 | $-1,363,000 | $-1,394,000 |
| Net Common Stock Issuance | - | $0 | $-461,000 | $-540,000 |
| Other | ||||
| Repayment Of Debt | $-36,330,000 | $-85,977,000 | $-99,279,000 | $-31,807,000 |
| Issuance Of Debt | $42,162,000 | $84,878,000 | $135,300,000 | $9,000,000 |
| Interest Paid Supplemental Data | $9,964,000 | $9,177,000 | $3,844,000 | $1,762,000 |
| Income Tax Paid Supplemental Data | $715,000 | $125,000 | $290,000 | $550,000 |
| End Cash Position | $16,485,000 | $18,287,000 | $8,167,000 | $25,823,000 |
| Beginning Cash Position | $19,480,000 | $8,167,000 | $25,823,000 | $21,648,000 |
| Changes In Cash | $-2,995,000 | $10,120,000 | $-17,656,000 | $4,175,000 |
| Net Issuance Payments Of Debt | $5,832,000 | $-1,099,000 | $36,021,000 | $-22,807,000 |
| Net Long Term Debt Issuance | $5,832,000 | $-1,099,000 | $36,021,000 | $-22,807,000 |
| Long Term Debt Payments | $-36,330,000 | $-85,977,000 | $-99,279,000 | $-31,807,000 |
| Long Term Debt Issuance | $42,162,000 | $84,878,000 | $135,300,000 | $9,000,000 |
| Net Investment Purchase And Sale | $-1,043,000 | $2,639,000 | $-2,077,000 | $-10,327,000 |
| Sale Of Investment | $2,882,000 | $2,639,000 | $2,897,000 | $122,000 |
| Purchase Of Investment | $-3,925,000 | $0 | $-4,974,000 | $-10,449,000 |
| Net PPE Purchase And Sale | $-136,000 | $-66,000 | $53,000 | $-151,000 |
| Purchase Of PPE | $-136,000 | $-66,000 | $-127,000 | $-151,000 |
| Change In Working Capital | $-554,000 | $-319,000 | $111,000 | $-492,000 |
| Change In Payables And Accrued Expense | $16,000 | $156,000 | $132,000 | $-122,000 |
| Change In Payable | $16,000 | $156,000 | $132,000 | $-122,000 |
| Change In Account Payable | $16,000 | $156,000 | $132,000 | $-122,000 |
| Change In Prepaid Assets | $-360,000 | $-208,000 | $232,000 | $-415,000 |
| Change In Receivables | $-210,000 | $-267,000 | $-253,000 | $45,000 |
| Changes In Account Receivables | $-210,000 | $-267,000 | $-253,000 | $45,000 |
| Other Non Cash Items | $-87,000 | $-188,000 | $76,000 | $1,367,000 |
| Deferred Tax | $35,000 | $-289,000 | $-234,000 | $275,000 |
| Deferred Income Tax | $35,000 | $-289,000 | $-234,000 | $275,000 |
| Depreciation Amortization Depletion | $203,000 | $234,000 | $255,000 | $285,000 |
| Depreciation And Amortization | $203,000 | $234,000 | $255,000 | $285,000 |
| Depreciation | $203,000 | $234,000 | $255,000 | $285,000 |
| Net Income From Continuing Operations | $1,909,000 | $-1,721,000 | $933,000 | $1,590,000 |
| Common Stock Payments | - | $0 | $-461,000 | $-540,000 |
| Sale Of PPE | - | $0 | $180,000 | $0 |
| Stock Based Compensation | - | $0 | $4,000 | $73,000 |
| Asset Impairment Charge | - | $947,000 | $0 | - |
| Gain Loss On Sale Of PPE | - | $0 | $-10,000 | $0 |
| Change In Other Working Capital | - | - | - | - |
Fetched: 2026-10-26