Logo

KFFB

Kentucky First Federal Bancorp

KFFB

Kentucky First Federal Bancorp • NASDAQ
$4.20 ▼ -2.33% (-0.10)
Market Cap $33.96 M
52w High $4.97
52w Low $1.96
Dividend Yield 0%
P/E 70
Volume 328
Outstanding Shares 8.09M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q1-2026 $0 $0 $0 0% $0.043 ▲ $0
Q4-2025 $0 ▼ $0 ▼ $0 ▼ 0% ▼ $0.022 ▲ $0 ▼
Q3-2025 $4.927M ▼ $2.176M ▼ $7K ▼ 0.142% ▼ $0.001 ▼ $85K ▲
Q2-2025 $4.955M ▲ $2.203M ▲ $13K ▲ 0.262% ▲ $0.002 ▲ $56K ▲
Q1-2025 $4.757M $2.013M $-15K -0.315% $-0.002 $32K

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q1-2026 $0 $366.492M ▼ $317.713M ▼ $48.779M ▲
Q4-2025 $0 ▼ $372.16M ▼ $323.791M ▼ $48.369M ▲
Q3-2025 $18.889M ▼ $380.737M ▲ $332.585M ▲ $48.152M ▲
Q2-2025 $22.676M ▼ $374.208M ▼ $326.153M ▼ $48.055M ▼
Q1-2025 $25.965M $375.65M $327.427M $48.223M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q1-2026 $344K ▲ $0 ▼ $0 ▼ $0 ▲ $-19.48M ▼ $0 ▼
Q4-2025 $176K ▲ $29K ▲ $1.867M ▲ $-10.169M ▼ $-8.273M ▼ $28K ▲
Q3-2025 $7K ▼ $-155K ▼ $624K ▼ $6.308M ▲ $6.777M ▲ $-220K ▼
Q2-2025 $13K ▲ $1.447M ▲ $3.419M ▲ $-1.159M ▼ $3.707M ▲ $1.366M ▲
Q1-2025 $-15K $-1.407M $213K $176K $-1.018M $-1.409M

Five-Year Company Overview

Income Statement

Income Statement Revenue has been relatively flat over the past several years, reflecting a slow‑growth, steady banking model rather than an aggressive expansion story. Profitability has been somewhat uneven, with a recent year of loss followed by a return to modest earnings, suggesting that small shifts in interest rates or credit costs can swing results. The latest period points to improved operating performance and better control of core lending margins, but overall earnings power still appears limited and sensitive to the broader rate and credit environment.

Balance Sheet

Balance Sheet The balance sheet shows a gradual build in total assets over time, consistent with a cautious community bank focused on measured growth. Cash levels are modest but have stayed fairly stable, indicating limited excess liquidity but no obvious strain. Debt levels have moved around but not dramatically, while equity has remained steady, which points to a conservative capital base and no large recent capital actions. Overall, the balance sheet looks more like a slow‑moving, traditional savings institution than a highly leveraged or fast‑growing bank.

Cash Flow

Cash Flow Reported cash flow data are essentially flat in this snapshot, which likely reflects limited disclosure detail rather than literally no cash movement. For analysis, that means there is not enough information here to judge how well earnings convert into cash, or how much flexibility the bank has to fund growth internally. In practice, as a traditional lender, its cash dynamics will mainly depend on deposit flows, loan demand, and how it manages repayments and funding costs over time.

Competitive Edge

Competitive Edge KFFB operates as a classic community bank with a tight geographic focus in a few Kentucky counties. Its main edge is relational: long-standing local presence, familiarity with its markets, and a customer base that values personal service over flashy features. At the same time, its small size, narrow footprint, and standard product set leave it exposed to competition from larger regional banks and digital‑first players. The formal regulatory agreement adds an extra constraint, potentially limiting how aggressively it can compete or change strategy until it fully satisfies regulators.

Innovation and R&D

Innovation and R&D The bank appears to lean heavily on traditional banking practices rather than technology or product innovation. There is no clear sign of proprietary digital platforms, fintech partnerships, or distinctive offerings that would separate it from other community lenders. This keeps the model simple and familiar, but also raises the risk of falling behind changing customer expectations around online and mobile banking. Any "innovation" is more about incremental improvements in loan mix, deposit gathering, and risk management than about new products or technology initiatives.

Summary

KFFB comes across as a small, conservative, community‑focused bank with stable but modest revenue and a recent recovery in profitability after a soft patch. Its balance sheet is steady and traditional, with no obvious signs of aggressive leverage, but also no clear growth engine. The bank’s strengths lie in local relationships and straightforward mortgage and real estate lending, while key risks include regulatory oversight, reliance on a limited geographic area, sensitivity to interest rates, and limited visible investment in technology. Overall, it looks like a classic thrift focused on fundamentals and gradual improvement rather than rapid transformation or innovation.

NEWS

November 6, 2025 · 2:57 PM UTC

Kentucky First Federal Bancorp Releases Earnings

Read more

October 8, 2025 · 5:04 PM UTC

Kentucky First Federal Bancorp Announces Management Transition

Read more

September 19, 2025 · 5:29 PM UTC

Kentucky First Federal Bancorp Announces Fiscal Year Earnings

Read more