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Kentucky First Federal Bancorp
(NASDAQ:KFFB)
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Rating:58Neutral
Price Target:
$6.00
▼(-3.07% Downside)
Action:Reiterated
Date:10/02/26
The score is primarily driven by improving (but still volatile) financial performance, including a 2026 rebound in profitability and a return to positive operating/free cash flow, offset by historically inconsistent earnings and modest ROE. Technicals are moderately supportive with a broader uptrend but neutral momentum. Valuation is a headwind due to a higher P/E and low dividend yield, while the dividend waiver corporate event is a modest positive for minority shareholders.
Positive Factors
Revenue and Profit Recovery
The rebound in revenue and profitability indicates improving operating performance and renewed earnings capacity. If maintained, stronger sales and a recovered margin can support internal reinvestment, resilience, and more dependable results over the coming quarters.
Negative Factors
Volatile Earnings History
The movement from solid profits to a loss and then a recovery shows that earnings power has not yet demonstrated consistent durability. Such volatility can complicate capital planning and makes future profitability more sensitive to changes in banking conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profit Recovery
The rebound in revenue and profitability indicates improving operating performance and renewed earnings capacity. If maintained, stronger sales and a recovered margin can support internal reinvestment, resilience, and more dependable results over the coming quarters.
Read all positive factors
Kentucky First Federal Bancorp (KFFB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$45.69M
Dividend Yield0.85%
Average Volume (3M)9.22K
Price to Earnings (P/E)24.4
Beta (1Y)0.24
Revenue Growth8.69%
EPS Growth958.30%
CountryUS
Employees57
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.24
Shares Outstanding8,086,715
10 Day Avg. Volume3,269
30 Day Avg. Volume9,220
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.82
Price to Sales (P/S)1.92
P/FCF Ratio36.98
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 banking subsidiary by earning net interest income: it pays interest (and incurs funding costs) on customer deposits and other borrowings, and earns interest on loans and interest-bearing securities; the sprea...
Kentucky First Federal Bancorp Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
57
Neutral
Cash Flow
51
Neutral
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 21.42M | 19.65M | 16.53M | 13.05M | 11.43M |
| Gross Profit | 11.50M | 8.71M | 7.22M | 9.04M | 9.73M |
| EBITDA | 2.50M | 439.00K | -1.73M | 1.48M | 2.35M |
| Net Income | 1.91M | 181.00K | -1.72M | 933.00K | 1.59M |
Balance Sheet | |||||
| Total Assets | 362.40M | 372.16M | 374.97M | 349.02M | 328.08M |
| Cash, Cash Equivalents and Short-Term Investments | 16.48M | 10.92M | 27.23M | 19.58M | 21.48M |
| Total Debt | 48.59M | 42.76M | 68.99M | 70.09M | 34.07M |
| Total Liabilities | 312.10M | 323.79M | 326.97M | 298.31M | 276.06M |
| Stockholders Equity | 50.29M | 48.37M | 48.00M | 50.71M | 52.02M |
Cash Flow | |||||
| Free Cash Flow | 1.11M | -235.00K | -1.52M | 1.02M | 2.49M |
| Operating Cash Flow | 1.25M | -86.00K | -1.45M | 1.15M | 2.64M |
| Investing Cash Flow | 6.55M | 6.12M | -16.60M | -39.48M | 13.33M |
| Financing Cash Flow | -10.79M | -4.84M | 28.18M | 20.68M | -11.80M |
Kentucky First Federal Bancorp Technical Analysis
Positive
6.19
Price Trends
5.62
Positive
5.19
Positive
4.84
Positive
Market Momentum
0.04
Positive
54.09
Neutral
30.53
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 6.19 is above the 20-day moving average (MA) of 5.75, above the 50-day MA of 5.62, and above the 200-day MA of 4.84, indicating a bullish trend. The MACD of 0.04 indicates Positive momentum. The RSI at 54.09 is Neutral, neither overbought nor oversold. The STOCH value of 30.53 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 | $110.07M | 4.95 | 16.39% | ― | 24.01% | 20.16% | |
72 Outperform | $75.07M | 12.44 | 10.69% | 2.19% | 7.71% | 60.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $45.69M | 24.42 | 3.86% | 0.85% | 8.69% | 958.30% | |
52 Neutral | $12.60M | -79.66 | -0.75% | 8.71% | 13.37% | -600.93% | |
47 Neutral | $183.62M | -0.48 | -63.67% | 124.80% | -35.76% | -909.39% |
* Financial Sector Average
KFFB
Kentucky First Federal Bancorp
5.91
2.41
68.84%
GLBZ
Glen Burnie Bancorp
4.27
-0.43
-9.15%
HFBL
Home Federal Bancorp Of Louisiana
25.39
12.00
89.71%
OPHC
Optimumbank Holdings
8.69
4.63
114.04%
BAFN
BayFirst Financial Corp
7.35
-2.74
-27.16%
MBBC
Marathon Bancorp
14.80
4.35
41.58%
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.