Kentucky First Federal Bancorp

Kentucky First Federal Bancorp

KFFB
Kentucky First Federal BancorpUS flagNASDAQ Global Market
5.15
USD
- -
- -
41.65MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.36
1.42
1.37
1.28
1.22
1.24
1.16
1.18
1.29
1.18
1.12
0.89
- -
1.05
Basic EPS, GAAP
0.37
0.23
0.25
0.18
0.11
0.16
0.1
-1.52
0.22
0.19
0.11
-0.21
- -
0.15
Free Cash Flow per Basic Share
0.46
0.26
0.26
0.04
0.24
0.12
0.1
0.11
0.18
0.3
0.13
-0.19
- -
0.11
Dividend per Share
0.16
0.18
0.17
0.18
0.18
0.17
0.17
0.17
0.17
0.17
0.17
0.08
- -
- -
Book Value per Share
4.24
4.07
4.17
4.18
4.11
4.08
4.07
2.43
2.49
2.51
2.49
2.15
- -
2.33
Tangible Book Value per Share
6.56
6.29
6.32
6.37
6.31
6.3
6.21
6.18
6.25
6.22
6.12
5.93
- -
6.14
Basic Weighted Avg Shares
8
8
8
8
8
8
8
8
8
8
8
8
8
8
Sales/Revenue/Turnover
11
12
11
11
10
10
10
10
11
10
9
7
- -
8
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
3
2
2
2
1
1
1
-13
2
2
1
-2
- -
1
Effective Tax Rate (%)
30.97
32.99
33.04
28.42
35.43
- -
14.8
- -
16.21
23.08
23.96
- -
- -
23.62
Profit Margin (%)
26.9
16.28
18.03
14.08
9.15
12.7
8.39
-129.04
17.16
16.43
10.2
-23.75
- -
14.46
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
24
17
27
33
56
53
67
55
57
34
70
69
- -
49
Total Equity
67
67
67
68
67
67
66
52
52
52
51
48
- -
50
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.87
5.7
6
4.31
2.71
3.87
2.39
-46.5
8.99
7.74
4.57
-9.15
- -
6.78

Capital Structure

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
44
51
49
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
8
8
Market Capitalization
29
38
35

Working Capital

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
24
28
26
Accounts Receivable, Net
1
1
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
1
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
- -
Free Cash Flow
- -
- -
- -
Net Income, GAAP
- -
- -
- -
Sales/Revenue/Turnover
- -
- -
- -
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2
2
2
2
7
2025
2
2
2
- -
- -
2026
3
3
3
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.02
-0.04
-0.01
-0.13
-0.21
2025
- -
- -
- -
- -
- -
2026
0.04
0.04
0.07
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
0.04
- -
- -
0.08
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
R. Clay Hulette
Full Time Employees
54
Sector
Financial Services
Industry
Banks - Regional
Address
655 Main Street Hazard KY United States of America 41702
IPO Date
Mar 3, 2005
Business
Kentucky First Federal Bancorp functions as a financial holding entity, overseeing First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, which together offer a diverse array of banking and financial services across various regions in Kentucky. The institution attracts a variety of deposit products, including traditional savings and certificate accounts, checking options, and individual retirement plans. Its lending operations encompass a broad portfolio, featuring residential mortgage loans for one-to four-family homes, construction financing, mortgages on multi-family properties, and nonresidential loans secured by commercial buildings, places of worship, and other specialized properties. Additionally, the company provides commercial non-mortgage credit and various consumer loans, such as home equity lines, loans backed by savings deposits, automobile financing, and unsecured personal loans. Beyond direct lending, the firm also strategically invests in mortgage-backed securities. The company maintains a presence through seven banking branches situated throughout its service areas. Established in 2005, Kentucky First Federal Bancorp is headquartered in Hazard, Kentucky, and operates as a subsidiary of First Federal MHC, its mutual holding company parent. The company recently reported improved net income for the quarter ending September 30, 2025, driven by higher net interest income. Furthermore, a management transition was announced in October 2025, appointing Clay Hulette as interim President and CEO of First Federal Savings Bank of Kentucky, pending regulatory approval.

Company News

APIChatGPT
  • Kentucky First Federal Bancorp Board of Directors to Consider Resumption of Quarterly Dividend

  • Kentucky First Federal Bancorp Reports Earnings

  • Northeast Bancorp (NASDAQ:NBN) versus Kentucky First Federal Bancorp (NASDAQ:KFFB) Financial Analysis

  • Kentucky First Federal Bancorp (NASDAQ:KFFB) Share Price Passes Below Fifty Day Moving Average – Here’s What Happened

  • Analyzing Kentucky First Federal Bancorp (NASDAQ:KFFB) and ServisFirst Bancshares (NYSE:SFBS)

  • Kentucky First Federal Bancorp Announces Termination of the Agreement By and Between First Federal Savings Bank of Kentucky and the OCC

  • Short Interest in Kentucky First Federal Bancorp (NASDAQ:KFFB) Declines By 12.5%

  • Kentucky First Federal Bancorp Reports Earnings

  • Financial Contrast: Kentucky First Federal Bancorp (NASDAQ:KFFB) vs. West Bancorporation (NASDAQ:WTBA)

  • Kentucky First Federal Bancorp Releases Earnings

  • Kentucky First Federal Bancorp Announces Management Transition

  • Kentucky First Federal Bancorp Announces Fiscal Year Earnings

  • Kentucky First Federal Bancorp Reports Earnings

  • Kentucky First Federal Bancorp Reports Earnings

  • Kentucky First Federal Bancorp Releases Earnings

  • Kentucky First Federal Bancorp (KFFB) Stock Rises 5.11% Amid Industry Activity

  • Kentucky First Federal Bancorp Announces Fiscal Year Results

  • Kentucky First Federal Bancorp Announces Appointment of Director, Selection of Chairman

  • Kentucky First Federal Bancorp Announces Retirement of Tony D. Whitaker, Chairman of the Board

  • Kentucky First Federal Bancorp Releases Earnings