KFFB

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Kentucky First Federal Bancorp

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Key Metrics

Previous Close: $5.47
52-Week Range: $2.97 – $5.66
Market Cap: $44.88M
P/E (TTM): 23.13
EPS (TTM): 0.24
Dividend Yield: 3.59%

Advanced Metrics

Price/Book: 0.89
PEG Ratio: —
Return on Equity: 3.87%
Return on Assets: 0.52%
Gross Margin: 0.00%
Operating Margin: 29.29%
Profit Margin: 16.60%
Current Ratio: —
Debt/Equity: —
Total Debt: $48.59M
Free Cash Flow: —
Revenue Growth: 26.80%
Earnings Growth: 312.70%
Enterprise Value: $76.99M

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
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
Diluted Shares	8.10M	8.10M	8.09M	8.10M	8.09M

KFFB Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 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
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.