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Kentucky First Federal Bancorp(NASDAQ) KFFB

Current Price$5.15
Market Cap$42.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2005)+19%
5 Year-14%
1 Year+61%
1 Month+8%
Kentucky First Federal Bancorp last closing stock price
MetricPriceDate
Last closeUSD 5.232026-07-24
Kentucky First Federal Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.48%USD 5.202026-07-17
1 month+7.95%USD 4.842026-06-24
3 month+21.23%USD 4.312026-04-24
Year to date+12.37%USD 4.652025-12-31
1 year+60.77%USD 3.252025-07-24
3 year-13.82%USD 6.062023-07-25
5 year-13.67%USD 6.052021-07-23
Since inception+18.95%USD 4.392005-03-03

Kentucky First Federal Bancorp Financials at a Glance

Market Cap

$42.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$21.03M

Net Income (TTM)

$1.41M

EPS (TTM)

$0.17

P/E Ratio

30.08

Dividend

$0.00

Beta (Volatility)

0.06 (Low)

Price

$5.15

Volume

34

Open

$5.15

Previous Close

$5.15

Daily Range

$5.15 - $5.15

52-Week Range

$2.96 - $5.48

Estimated Earnings Date

May 11, 2026

KFFB News

No articles available.

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About Kentucky First Federal Bancorp

Kentucky First Federal Bancorp helps people in Kentucky save money and get home loans. Its checking and savings accounts make managing daily finances easier for families and small businesses. The company’s mortgage loans help local residents buy or build homes.

Banking, But Make It Local: Products and Services

  • Deposit Accounts: Savings, checking, and certificates of deposit for individuals and businesses (no revenue split disclosed).
  • Residential Mortgage Loans: Home loans for buying or refinancing houses, making up approximately 83.9% of total loans as of March 31, 2025.
  • Commercial and Multi-Family Loans: Loans for offices, churches, and apartment buildings, totaling approximately 14.6% of loans as of March 31, 2025.
  • Consumer Loans: Home equity, auto, and personal loans for everyday needs (4.3% of loans are home equity).
  • Investment Services: Investments in mortgage-backed securities to manage risk and support lending (no revenue split disclosed).

From Small Towns to Strategic Moves: Growth and Expansion

  • Formed in 2005 as a holding company for First Federal Savings and Loan Association of Hazard and Frankfort First Bancorp.
  • Expanded to seven banking offices across Kentucky by 2025.
  • Increased use of federal funds sold for liquidity management since June 2024.
  • Shifted focus to selling more fixed-rate mortgages into the secondary market in 2025.
  • Enhanced compliance and risk management programs in response to regulatory agreements in 2024-2025.

Why Kentucky First Stands Out (Without the Hype)

The company operates as two community-focused banks, serving local customers in Kentucky. It keeps a conservative approach to lending, with strict loan-to-value limits and regular loan reviews. All operations are local, so the company is closely tied to the region’s economy.

Five Things You Need to Know

  • Revenue was $5 million in QQ2 2026, up 8.1% from QQ2 2025.
  • Net income was $401,000 in QQ2 2026, up 6583.3% from QQ2 2025.
  • Loan portfolio was $332.7 million as of March 31, 2025.
  • Deposits reached $277.4 million in March 2025, up 8.3% from June 2024.
  • Quarterly dividends suspended since January 2024 due to regulatory requirements.

Bottom Line

Kentucky First has grown by focusing on local banking and conservative lending. Its performance depends on regional conditions and regulatory compliance.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

54

CEO

R. Clay Hulette, CPA

Website

www.ffsbky.bank

Headquarters

Hazard, KY 41702, US

KFFB Financials

Key Financial Metrics (TTM)

Gross Margin

51.51%

Operating Margin

8.79%

Net Income Margin

6.68%

Return on Equity

2.87%

Return on Capital

0.26%

Return on Assets

0.38%

Earnings Yield

3.32%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$42.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

8.09M

Volume

34

Avg. Volume

3.30K

Financials (TTM)

Gross Profit

$10.83M

Operating Income

$1.85M

EBITDA

$2.02M

Operating Cash Flow

$1.06M

Capital Expenditure

-$133.00K

Free Cash Flow

$929.00K

Cash & ST Invst.

$2.29M

Total Debt

$48.94M

Kentucky First Federal Bancorp Performance Analysis

Kentucky First Federal Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-06-30USD 11,328,000N/A
20232023-06-30USD 12,947,00014.3%
20242024-06-30USD 16,439,00027.0%
20252025-06-30USD 19,649,00019.5%
Kentucky First Federal Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-06-303.0%
Q12025-09-302.6%
Q22025-12-312.9%
Q32026-03-310.8%
Kentucky First Federal Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-06-30USD 0.19N/A
20232023-06-30USD 0.11-40.8%
20242024-06-30USD -0.21N/A
20252025-06-30USD 0.02N/A
Kentucky First Federal Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-06-302311.1%
Q12025-09-3095.9%
Q22025-12-31-11.8%
Q32026-03-3191.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q3 2026YOY CHG

Revenue

$5.40M

+9.5%

Gross Profit

$2.97M

+35.3%

Gross Margin

54.95%

N/A

Market Cap

$42.25MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$782.46K

N/A

Employees

54

N/A

Net Income

$581.00K

+8200.0%

EBITDA

$807.00K

+849.4%

Quarterly Fundamentals

Name
Q3 2026YOY CHG

Total Cash

$2.29M

-87.9%

Total Debt

$48.94M

-8.4%

Accounts Receivable

$1.59M

+11.6%

Inventory

$0.00

N/A

Long Term Debt

$48.94M

-8.4%

Short Term Debt

$0.00

N/A

Return on Assets

0.38%

N/A

Return on Invested Capital

0.49%

N/A

Free Cash Flow

$823.00K

+474.1%

Operating Cash Flow

$886.00K

+671.6%

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Questions About KFFB

What is the current price of Kentucky First Federal Bancorp?

Kentucky First Federal Bancorp is trading at $5.15 per share.

What is the 52-week range for Kentucky First Federal Bancorp?

Over the past 52 weeks, Kentucky First Federal Bancorp has traded between $2.96 and $5.48.

How much debt does Kentucky First Federal Bancorp have?

As of the most recent reporting period, Kentucky First Federal Bancorp reported total debt of $48.94M.

How much cash does Kentucky First Federal Bancorp have on hand?

Kentucky First Federal Bancorp does not have cash on hand data available.

What is Kentucky First Federal Bancorp’s dividend yield?

Kentucky First Federal Bancorp does not currently have a dividend yield.

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