Kentucky First Federal Bancorp (KFFB)
NASDAQ:KFFB
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Kentucky First Federal Bancorp
(NASDAQ:KFFB)
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Rating:58Neutral
Price Target:
$5.00
▲(12.36% Upside)
Action:Reiterated
Date:05/18/26
Overall score reflects a recovering financial profile with improving TTM profitability and leverage, but meaningful historical volatility in earnings and cash flow limits confidence. Technical indicators are largely neutral with slightly negative momentum. Valuation appears reasonable on P/E, and the exit from the regulatory enforcement agreement is a notable positive offset.
Positive Factors
Regulatory relief from enforcement exit
The OCC termination of the 2024 enforcement agreement removes regulatory capital and operational constraints, giving management more flexibility. Over the medium term this reduces compliance overhang, eases restrictions on dividend/capital moves and enables strategic lending and expense choices.
Negative Factors
Choppy cash generation
Inconsistent operating and free cash flow undermines sustainable internal funding for lending, operations, and capital returns. Volatile cash conversion increases reliance on external funding or equity issuance during stress, complicating multi-quarter planning and reducing predictability of capital allocation.
Read all positive and negative factors
Positive Factors
Negative Factors
Regulatory relief from enforcement exit
The OCC termination of the 2024 enforcement agreement removes regulatory capital and operational constraints, giving management more flexibility. Over the medium term this reduces compliance overhang, eases restrictions on dividend/capital moves and enables strategic lending and expense choices.
Read all positive factors
Kentucky First Federal Bancorp (KFFB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$38.56M
Dividend YieldN/A
Average Volume (3M)28.24K
Price to Earnings (P/E)27.4
Beta (1Y)0.19
Revenue Growth10.06%
EPS GrowthN/A
CountryUS
Employees56
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 Cap1.72
Enterprise Value/Revenue3.15
Enterprise Value/Gross Profit6.11
Enterprise Value/Ebitda35.82
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 operates as the holding company for First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. that provide various banking products and services in Kentucky. The company accepts deposit ...
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 | 1.85M | 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 | 21.30M | 0.00 | 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
4.45
Price Trends
4.48
Positive
4.55
Positive
4.25
Positive
Market Momentum
0.07
Negative
55.12
Neutral
57.92
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 4.45 is below the 20-day moving average (MA) of 4.56, below the 50-day MA of 4.48, and above the 200-day MA of 4.25, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 55.12 is Neutral, neither overbought nor oversold. The STOCH value of 57.92 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $59.55M | 9.93 | 9.28% | 3.21% | 5.66% | 79.41% | |
77 Outperform | $67.48M | 3.77 | 14.63% | ― | 15.64% | 5.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $38.56M | 27.45 | 1.71% | ― | 10.06% | ― | |
55 Neutral | $22.18M | -0.78 | -23.19% | 4.10% | -18.73% | -401.58% | |
51 Neutral | $13.59M | -139.73 | 0.09% | ― | 8.13% | -357.58% |
* Financial Sector Average
KFFB
Kentucky First Federal Bancorp
4.77
2.15
81.98%
GLBZ
Glen Burnie Bancorp
4.65
0.12
2.72%
HFBL
Home Federal Bancorp Of Louisiana
19.50
6.10
45.48%
OPHC
Optimumbank Holdings
5.50
0.94
20.61%
BAFN
BayFirst Financial Corp
5.40
-9.90
-64.71%
MBBC
Marathon Bancorp
14.40
4.41
44.14%
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.