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Kentucky First Federal Bancorp
(NASDAQ:KFFB)
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Rating:57Neutral
Price Target:
$5.50
▲(5.36% Upside)
Action:Reiterated
Date:07/30/26
The score is mainly held back by uneven financial performance and cash-flow consistency despite a recent TTM rebound and improving leverage. Technicals are supportive with price above key moving averages, but valuation is a notable headwind given the high P/E. A dividend-related corporate event is modestly positive for minority shareholders but not enough to outweigh the core profitability and valuation concerns.
Positive Factors
Deposit-funded retail banking model
A traditional deposit-funded community bank model provides stable low-cost funding and recurring net interest income from mortgage and consumer lending. Fee-based services add diversification of revenue, supporting durable cash generation and resilience across interest-rate cycles.
Negative Factors
Multi-year earnings and cash-flow volatility
Recurrent swings including a material FY2024 loss and prior negative operating/free cash flow indicate weak earnings quality. This volatility undermines long-term planning, increases capital and liquidity stress risk, and makes reliable dividend or growth commitments less certain.
Read all positive and negative factors
Positive Factors
Negative Factors
Deposit-funded retail banking model
A traditional deposit-funded community bank model provides stable low-cost funding and recurring net interest income from mortgage and consumer lending. Fee-based services add diversification of revenue, supporting durable cash generation and resilience across interest-rate cycles.
Read all positive factors
Kentucky First Federal Bancorp (KFFB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$45.04M
Dividend YieldN/A
Average Volume (3M)28.24K
Price to Earnings (P/E)23.6
Beta (1Y)0.17
Revenue Growth8.66%
EPS Growth958.30%
CountryUS
Employees55
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.17
Shares Outstanding8,086,715
10 Day Avg. Volume79,943
30 Day Avg. Volume28,242
Financial Highlights & Ratios
PEG Ratio-1.18
Price to Book (P/B)0.49
Price to Sales (P/S)1.20
P/FCF Ratio-100.29
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Kentucky First Federal Bancorp Business Overview & Revenue Model
Company Description
Kentucky First Federal Bancorp (KFFB) serves as the holding company for two financial institutions: First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. Together, these subsidiaries deliver a variety of banking p...
How the Company Makes Money
KFFB primarily makes money through its bank subsidiary by earning net interest income and generating fee-based (noninterest) income. Net interest income is driven by the spread between interest earned on loans and interest-bearing assets (notably ...
Kentucky First Federal Bancorp Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
58
Neutral
Cash Flow
50
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 21.03M | 19.65M | 16.53M | 13.05M | 11.43M | 12.75M |
| Gross Profit | 10.83M | 8.71M | 7.22M | 9.04M | 9.73M | 10.42M |
| EBITDA | 2.02M | 439.00K | -1.73M | 1.48M | 2.35M | 2.46M |
| Net Income | 1.41M | 181.00K | -1.72M | 933.00K | 1.59M | 1.82M |
Balance Sheet | ||||||
| Total Assets | 374.54M | 372.16M | 374.97M | 349.02M | 328.08M | 338.06M |
| Cash, Cash Equivalents and Short-Term Investments | 2.29M | 10.92M | 27.23M | 19.58M | 21.48M | 16.93M |
| Total Debt | 48.94M | 42.76M | 68.99M | 70.09M | 34.07M | 56.87M |
| Total Liabilities | 324.88M | 323.79M | 326.97M | 298.31M | 276.06M | 285.77M |
| Stockholders Equity | 49.66M | 48.37M | 48.00M | 50.71M | 52.02M | 52.30M |
Cash Flow | ||||||
| Free Cash Flow | 929.00K | -235.00K | -1.52M | 1.02M | 2.49M | 1.48M |
| Operating Cash Flow | 1.06M | -86.00K | -1.45M | 1.15M | 2.64M | 1.58M |
| Investing Cash Flow | 623.00K | 6.12M | -16.60M | -39.48M | 13.33M | -8.85M |
| Financing Cash Flow | -8.14M | -4.84M | 28.18M | 20.68M | -11.80M | 15.21M |
Kentucky First Federal Bancorp Technical Analysis
Positive
5.22
Price Trends
5.11
Positive
4.79
Positive
4.62
Positive
Market Momentum
0.15
Positive
63.76
Neutral
65.83
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KFFB, the sentiment is Positive. The current price of 5.22 is below the 20-day moving average (MA) of 5.42, above the 50-day MA of 5.11, and above the 200-day MA of 4.62, indicating a bullish trend. The MACD of 0.15 indicates Positive momentum. The RSI at 63.76 is Neutral, neither overbought nor oversold. The STOCH value of 65.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KFFB.
Kentucky First Federal Bancorp Risk Analysis
Kentucky First Federal Bancorp disclosed 27 risk factors in its most recent earnings report. Kentucky First Federal Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Kentucky First Federal Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $120.35M | 5.67 | 16.39% | ― | 24.01% | 20.16% | |
76 Outperform | $73.23M | 11.75 | 10.69% | 2.53% | 7.71% | 60.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $45.04M | 23.61 | 2.87% | ― | 8.66% | 958.30% | |
51 Neutral | $172.83M | -0.43 | -63.67% | 1.33% | -35.76% | -909.58% | |
41 Neutral | $12.91M | -82.46 | -0.48% | ― | 13.37% | -600.93% |
* Financial Sector Average
KFFB
Kentucky First Federal Bancorp
5.57
2.37
74.06%
GLBZ
Glen Burnie Bancorp
4.42
0.46
11.62%
HFBL
Home Federal Bancorp Of Louisiana
23.98
11.07
85.81%
OPHC
Optimumbank Holdings
9.81
5.55
130.28%
BAFN
BayFirst Financial Corp
6.41
-2.11
-24.77%
MBBC
Marathon Bancorp
15.26
5.13
50.64%
Kentucky First Federal Bancorp Corporate Events
Business Operations and StrategyDividendsShareholder Meetings
Kentucky First Federal Bancorp Announces Dividend Waiver Decision
Positive
Jul 29, 2026
On July 28, 2026, Kentucky First Federal Bancorp said members of First Federal MHC voted to waive the mutual holding company’s right to receive up to $0.40 per share in quarterly dividends declared by Kentucky First over the next 12 months. ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.