KFFB

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Kentucky First Federal Bancorp

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Key Metrics

Previous Close: $5.64
52-Week Range: $2.97 – $6.46
Market Cap: $48.92M
P/E (TTM): 25.21
EPS (TTM): 0.24
Dividend Yield: 3.55%

Advanced Metrics

Price/Book: 0.97
PEG Ratio: —
Return on Equity: 3.87%
Return on Assets: 0.52%
Gross Margin: 0.00%
Operating Margin: 29.88%
Profit Margin: 16.60%
Current Ratio: —
Debt/Equity: —
Total Debt: $48.59M
Free Cash Flow: —
Revenue Growth: 26.80%
Earnings Growth: 287.00%
Enterprise Value: $77.72M

KFFB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$9.68M	$9.15M	$7.25M	—
Selling, General & Admin	$5.06M	$5.18M	$5.39M	—
Pretax Income	$2.07M	$1.23M	-$1.96M	—
Income Tax	$477.00K	$294.00K	-$239.00K	—
Net Income	$1.59M	$933.00K	-$1.72M	—
Diluted EPS	0.19	0.11	-0.21	0.02
Diluted Shares	8.21M	8.13M	8.10M	8.10M

KFFB Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$2.21M	—	$2.66M	$2.83M	$3.01M	—
Selling, General & Admin	$1.32M	—	$1.31M	$1.45M	$1.39M	—
Pretax Income	$15.00K	—	$453.00K	$401.00K	$755.00K	—
Income Tax	$8.00K	—	$109.00K	$97.00K	$174.00K	—
Net Income	$7.00K	—	$344.00K	$304.00K	$581.00K	—
Diluted EPS	0.00	0.02	0.04	0.04	0.07	0.08
Diluted Shares	8.10M	8.10M	8.09M	8.10M	8.09M	8.09M

KFFB Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$14.05M	$10.69M	$12.52M	$16.41M	$16.22M	—
Receivables	$1.26M	$1.43M	$1.44M	$1.47M	$1.59M	—
Total Assets	$374.21M	$380.74M	$366.49M	$375.28M	$374.54M	—
Long-Term Debt	$61.79M	$53.43M	$43.78M	$51.45M	$48.94M	—
Total Debt	$61.79M	$53.43M	$43.78M	$51.45M	$48.94M	—
Total Liabilities	$326.15M	$332.58M	$317.71M	$326.18M	$324.88M	—
Retained Earnings	$17.32M	$17.33M	$17.85M	$18.15M	$18.73M	—
Shareholders' Equity	$48.05M	$48.15M	$48.78M	$49.10M	$49.66M	—
Net Debt	$47.74M	$42.74M	$31.26M	$35.04M	$32.71M	—

KFFB Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.45M	-$155.00K	$450.00K	-$303.00K	$886.00K	—
Capital Expenditure	-$81.00K	-$65.00K	-$5.00K	-$64.00K	-$63.00K	—
Free Cash Flow	$1.37M	-$220.00K	$445.00K	-$367.00K	$823.00K	—
Depreciation & Amortisation	$50.00K	$70.00K	$48.00K	$48.00K	$52.00K	—
Investing Cash Flow	$3.42M	$624.00K	-$502.00K	-$3.16M	$2.42M	—
Financing Cash Flow	-$1.16M	$6.31M	-$4.80M	$8.51M	-$1.68M	—
Dividends Paid	$0.00	$0.00	—	—	—	—
Net Change in Cash	$3.71M	$6.78M	-$4.86M	$5.05M	$1.62M	—

Market Snapshot

About

Kentucky First Federal Bancorp is the holding company for First Federal Savings and Loan Association of Hazard, a community bank serving eastern Kentucky. The bank provides traditional banking services including residential mortgages, consumer loans, checking and savings accounts, and certificates of deposit. With roots dating back to 1947, Kentucky First Federal focuses on serving individuals and small businesses in its local market. The company operates through multiple branch locations in the Appalachian region.