Kentucky First Federal Bancorp (KFFB) AI Stock Analysis

• Market Cap: $20.22M
• Dividend Yield: 3.03%
• Average Volume (3M): 2.92K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.11
• Revenue Growth: 22.56%
• EPS Growth: -78.84%
• Country: US
• Employees: 56
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): <0.01
• Shares Outstanding: 8,086,715
• 10 Day Avg. Volume: 5,004
• 30 Day Avg. Volume: 2,923
• PEG Ratio: -2.64
• Price to Book (P/B): 0.42
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -51.84
• Enterprise Value/Market Cap: 0.84
• Enterprise Value/Revenue: 0.37
• Enterprise Value/Gross Profit: 2.79
• Enterprise Value/Ebitda: -3.17
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Kentucky First Federal Bancorp scores low due to significant challenges in financial performance, particularly in revenue generation and cash flow management. Technical indicators reflect negative momentum, and the valuation is unattractive given the negative P/E ratio. The lack of earnings call and corporate events data leaves these areas unassessed, maintaining the focus on existing financial and market performance issues.

Kentucky First Federal Bancorp Business Overview & Revenue Model

Company Description

Kentucky First Federal Bancorp (KFFB) is a bank holding company headquartered in Hazard, Kentucky. It operates through its subsidiaries, First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Frankfort. The company primarily serves the financial needs of individuals and businesses in its local communities by offering a range of banking products and services, including savings accounts, checking accounts, mortgage loans, and personal loans.

How the Company Makes Money

Kentucky First Federal Bancorp generates revenue primarily through the interest income it earns from its lending activities. The company offers various types of loans, such as residential mortgage loans, consumer loans, and commercial loans, and charges interest on these loans, which constitutes a significant portion of its income. Additionally, KFFB earns money from fees and service charges associated with deposit accounts and other banking services. The spread between the interest earned on loans and the interest paid on deposits and borrowings is a crucial factor in its profitability. The company may also engage in investment activities to earn returns on its capital reserves, contributing further to its revenue streams.

Kentucky First Federal Bancorp Financial Statement Overview

Summary

Kentucky First Federal Bancorp faces challenges in profitability and cash flow management. The balance sheet is strong due to an equity-heavy structure, but the company struggles with consistent revenue and positive cash flow generation, highlighting risks in stability and growth.

Income Statement

Kentucky First Federal Bancorp's TTM revenue shows a significant decline compared to the previous year, with a negative net income indicating profitability challenges. The absence of EBITDA figures for the TTM further complicates profitability analysis.

Balance Sheet

The company maintains a strong equity position with no current debt, reflected in an improving equity ratio. However, the decline in stockholders' equity and inconsistent ROE across periods suggests volatility in financial stability.

Cash Flow

The cash flow analysis shows negative operating and free cash flow, indicating potential liquidity issues. Despite strong financing cash flows, the lack of consistent positive free cash flow growth is concerning.

Breakdown
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
13.72M	16.53M	9.16M	9.16M	10.61M	9.72M
	Gross Profit
6.10M	7.22M	9.16M	9.16M	10.61M	9.72M
	EBIT
685.00K	15.00K	1.23M	3.82M	2.17M	-12.28M
	EBITDA
-1.00M	-1.73M	1.48M	2.35M	2.46M	-12.01M
	Net Income Common Stockholders
-1.07M	-1.72M	933.00K	1.07M	1.82M	-12.55M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
10.78M	27.93M	8.17M	21.48M	21.93M	16.47M
	Total Assets
380.74M	374.97M	349.02M	328.08M	338.06M	321.14M
	Total Debt
0.00	68.99M	70.09M	34.07M	56.87M	54.72M
	Net Debt
-2.58M	51.40M	61.92M	8.24M	34.98M	38.78M
	Total Liabilities
332.58M	326.97M	70.09M	276.06M	285.77M	269.23M
	Stockholders Equity
48.15M	48.00M	50.71M	52.02M	52.30M	51.91M
Cash Flow		Free Cash Flow
-390.00K	-1.52M	1.02M	2.49M	1.48M	877.00K
	Operating Cash Flow
-287.00K	-1.45M	1.15M	2.64M	1.58M	1.04M
	Investing Cash Flow
351.00K	-16.60M	-39.48M	13.33M	-8.85M	243.00K
	Financing Cash Flow
12.27M	28.18M	20.68M	-11.80M	15.21M	2.56M

Kentucky First Federal Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.42
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KFFB, the sentiment is Negative. The current price of 2.42 is below the 20-day moving average (MA) of 2.53, below the 50-day MA of 2.75, and below the 200-day MA of 2.93, indicating a bearish trend. The MACD of -0.08 indicates Negative momentum. The RSI at 45.61 is Neutral, neither overbought nor oversold. The STOCH value of 76.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KFFB.

Kentucky First Federal Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$12.82B	9.87	7.67%	17000.34%	12.39%	-5.85%
PNBK	58 Neutral	$443.07M	―	-84.06%	―	-6.52%	-866.16%
ASRV	55 Neutral	$41.30M	11.42	3.36%	4.80%	7.80%	―
GLBZ	52 Neutral	$14.59M	378.20	0.21%	7.95%	13.39%	-107.74%
KFFB	48 Neutral	$20.22M	―	-2.21%	3.03%	22.56%	-78.84%