Symbols / KFFB Stock $4.47 +4.08% Kentucky First Federal Bancorp

Financial Services • Banks - Regional • United States • NGM
KFFB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. R. Clay Hulette CPA
Exch · Country NGM · United States
Market Cap 36.11M
Enterprise Value 65.33M
Income 1.41M
Sales 10.86M
FCF (ttm) —
Book/sh 6.07
Cash/sh 2.63
Employees 54
Insider 10d —
IPO Mar 03, 2005
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 26.26
Forward P/E —
PEG —
P/S 3.33
P/B 0.74
P/C —
EV/EBITDA —
EV/Sales 6.02
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.17
EPS next Y —
EPS Growth 80.02%
Revenue Growth 35.30%
EPS Gr Q/Q 82.00%
Rev Gr Q/Q —
Earnings (next) 2011-05-16
Earnings (prior) 2011-05-16
ROA 0.37%
ROE 2.87%
ROIC —
Gross Margin 0.00%
Oper. Margin 25.46%
Profit Margin 12.94%
Shs Outstand 8.09M
Shs Float 3.03M
Insider Own 62.46%
Instit Own 3.46%
Short Float 0.38%
Short Ratio 6.24
Short Interest 11.54K
52W High 4.98
vs 52W High -10.34%
52W Low 2.23
vs 52W Low 100.22%
Beta —
Impl. Vol. —
Rel Volume 0.35
Avg Volume 3.75K
Volume 1.29K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $4.29
Price $4.46
Change 4.08%
About

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provides various banking products and services in Kentucky. The company is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. Its loan portfolio comprises one-to four-family, multi-family, and construction residential real estate loans; nonresidential real estate loans comprising of commercial office buildings, churches and properties used for other purposes; and consumer loans, including home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans, as well as commercial non-mortgage loans. Kentucky First Federal Bancorp was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp operates as a subsidiary of First Federal MHC.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$4.47
Latest analyst target
3. DCF / Fair value
$2.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$4.47
Low
—
High
—
Mean
—
News
RSS: Latest KFFB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-06-27 JOHNSON WILLIAM H Director — 3,597 $2.85 $10,251
2024-12-23 JOHNSON WILLIAM H Director — 10,000 $2.98 $29,800
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total Revenue
7.25
-20.80%
9.15
-5.45%
9.68
-8.80%
10.61
Operating Revenue
7.25
-20.80%
9.15
-5.45%
9.68
-8.80%
10.61
Selling General And Administration
5.39
+4.07%
5.18
+2.45%
5.06
-24.67%
6.72
Selling And Marketing Expense
0.17
+10.60%
0.15
+11.85%
0.14
-11.76%
0.15
General And Administrative Expense
5.23
+3.88%
5.03
+2.19%
4.92
-24.97%
6.56
Salaries And Wages
4.99
+1.51%
4.92
+1.28%
4.85
-9.43%
5.36
Other Gand A
—
—
0.94
-9.64%
1.04
Reconciled Depreciation
0.23
-8.24%
0.26
-10.53%
0.28
-1.04%
0.29
Total Unusual Items
-0.95
-9570.00%
0.01
+128.57%
-0.04
-66.67%
-0.02
Total Unusual Items Excluding Goodwill
-0.95
-9570.00%
0.01
+128.57%
-0.04
-66.67%
-0.02
Special Income Charges
-0.95
-9570.00%
0.01
0.00
+100.00%
-0.00
Other Special Charges
—
-0.01
—
0.00
Impairment Of Capital Assets
0.95
0.00
—
—
Net Income
-1.72
-284.46%
0.93
-41.32%
1.59
-12.64%
1.82
Pretax Income
-1.96
-259.74%
1.23
-40.64%
2.07
-4.83%
2.17
Net Interest Income
6.99
-21.03%
8.86
-3.32%
9.16
-8.50%
10.01
Interest Expense
9.28
+137.90%
3.90
+122.46%
1.75
-18.08%
2.14
Interest Income
16.28
+27.58%
12.76
+16.90%
10.91
-10.19%
12.15
Tax Provision
-0.24
-181.29%
0.29
-38.36%
0.48
+35.51%
0.35
Tax Rate For Calcs
0.00
-49.17%
0.00
+3.90%
0.00
+42.59%
0.00
Tax Effect Of Unusual Items
-0.12
-4913.92%
0.00
+129.68%
-0.01
-137.65%
-0.00
Net Income Including Noncontrolling Interests
-1.72
-284.46%
0.93
-41.32%
1.59
-12.64%
1.82
Net Income From Continuing Operation Net Minority Interest
-1.72
-284.46%
0.93
-41.32%
1.59
-12.64%
1.82
Net Income From Continuing And Discontinued Operation
-1.72
-284.46%
0.93
-41.32%
1.59
-12.64%
1.82
Net Income Continuous Operations
-1.72
-284.46%
0.93
-41.32%
1.59
-12.64%
1.82
Normalized Income
-0.89
-196.12%
0.93
-42.77%
1.62
-12.01%
1.84
Net Income Common Stockholders
-1.72
-284.46%
0.93
-41.32%
1.59
-12.64%
1.82
Diluted EPS
-0.21
-290.91%
0.11
-42.11%
0.19
—
Basic EPS
-0.21
-290.91%
0.11
-42.11%
0.19
—
Basic Average Shares
8.10
-0.43%
8.13
-0.97%
8.21
—
Diluted Average Shares
8.10
-0.43%
8.13
-0.97%
8.21
—
Diluted NI Availto Com Stockholders
-1.72
-284.46%
0.93
-41.32%
1.59
-12.64%
1.82
Insurance And Claims
0.24
+103.42%
0.12
+64.79%
0.07
-57.74%
0.17
Occupancy And Equipment
0.59
-2.95%
0.61
-3.48%
0.63
-2.62%
0.65
Other Non Interest Expense
1.90
+5.08%
1.81
+2.90%
1.76
+144.92%
0.72
Professional Expense And Contract Services Expense
0.34
+61.50%
0.21
-1.39%
0.22
+36.71%
0.16
Line Item Trend 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total Assets
374.97
+7.43%
349.02
+6.38%
328.08
-2.95%
338.06
Cash And Cash Equivalents
17.58
+134.39%
7.50
-31.79%
11.00
-34.89%
16.89
Cash Financial
1.91
-16.24%
2.28
+14.09%
2.00
+9.16%
1.83
Other Short Term Investments
9.65
-20.13%
12.08
+15.30%
10.48
+31648.48%
0.03
Receivables
1.17
+29.60%
0.90
+38.98%
0.65
-6.48%
0.69
Accounts Receivable
1.17
+29.60%
0.90
+38.98%
0.65
-6.48%
0.69
Prepaid Assets
0.22
+52.08%
0.14
-62.30%
0.38
+855.00%
0.04
Net PPE
4.27
-3.79%
4.43
-2.81%
4.56
-2.85%
4.70
Gross PPE
10.57
+0.63%
10.50
+1.23%
10.38
+1.49%
10.22
Accumulated Depreciation
-6.30
-3.86%
-6.07
-4.40%
-5.81
-5.17%
-5.53
Land And Improvements
1.52
+0.00%
1.52
+0.00%
1.52
+0.00%
1.52
Buildings And Improvements
6.82
+0.74%
6.77
+1.71%
6.65
+1.81%
6.54
Machinery Furniture Equipment
2.24
+0.72%
2.22
+0.63%
2.21
+1.57%
2.17
Goodwill And Other Intangible Assets
0.00
-100.00%
0.95
+0.00%
0.95
+0.00%
0.95
Goodwill
0.00
-100.00%
0.95
+0.00%
0.95
+0.00%
0.95
Investments And Advances
9.86
-20.18%
12.35
+14.22%
10.82
+2085.05%
0.49
Total Liabilities Net Minority Interest
326.97
+9.61%
298.31
+8.06%
276.06
-3.40%
285.77
Payables And Accrued Expenses
0.18
+151.43%
0.07
+483.33%
0.01
-40.00%
0.02
Payables
0.18
+151.43%
0.07
+483.33%
0.01
-40.00%
0.02
Accounts Payable
0.18
+151.43%
0.07
+483.33%
0.01
-40.00%
0.02
Long Term Debt And Capital Lease Obligation
68.99
-1.57%
70.09
+105.74%
34.07
-40.10%
56.87
Long Term Debt
68.99
-1.57%
70.09
+105.74%
34.07
-40.10%
56.87
Non Current Deferred Liabilities
0.11
-77.97%
0.51
-42.29%
0.89
+44.79%
0.61
Non Current Deferred Taxes Liabilities
0.11
-77.97%
0.51
-42.29%
0.89
+44.79%
0.61
Stockholders Equity
48.00
-5.35%
50.71
-2.53%
52.02
-0.52%
52.30
Common Stock Equity
48.00
-5.35%
50.71
-2.53%
52.02
-0.52%
52.30
Capital Stock
0.09
+0.00%
0.09
+0.00%
0.09
+0.00%
0.09
Common Stock
0.09
+0.00%
0.09
+0.00%
0.09
+0.00%
0.09
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
8.60
+0.00%
8.60
+0.00%
8.60
+0.00%
8.60
Ordinary Shares Number
8.09
+0.00%
8.09
-0.83%
8.15
-0.88%
8.23
Treasury Shares Number
0.51
+0.00%
0.51
+15.40%
0.44
+19.50%
0.37
Retained Earnings
17.32
-13.93%
20.13
-2.09%
20.56
+0.96%
20.36
Gains Losses Not Affecting Retained Earnings
-0.34
+21.31%
-0.43
0.00
0.00
Treasury Stock
3.97
+0.00%
3.97
+13.14%
3.51
+18.19%
2.97
Total Equity Gross Minority Interest
48.00
-5.35%
50.71
-2.53%
52.02
-0.52%
52.30
Total Capitalization
116.98
-3.16%
120.80
+40.31%
86.09
-21.14%
109.17
Invested Capital
116.98
-3.16%
120.80
+40.31%
86.09
-21.14%
109.17
Total Debt
68.99
-1.57%
70.09
+105.74%
34.07
-40.10%
56.87
Net Debt
51.40
-17.87%
62.59
+171.32%
23.07
-42.30%
39.98
Net Tangible Assets
48.00
-3.55%
49.76
-2.57%
51.08
-0.53%
51.35
Tangible Book Value
48.00
-3.55%
49.76
-2.57%
51.08
-0.53%
51.35
Cash Cash Equivalents And Federal Funds Sold
18.29
+123.91%
8.17
-68.37%
25.82
+17.94%
21.89
Held To Maturity Securities
0.21
-22.26%
0.27
-19.17%
0.34
-26.62%
0.46
Other Equity Interest
—
—
-0.01
+95.10%
-0.10
Line Item Trend 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Operating Cash Flow
-1.45
-226.22%
1.15
-56.38%
2.64
+67.05%
1.58
Cash Flow From Continuing Operating Activities
-1.45
-226.22%
1.15
-56.38%
2.64
+67.05%
1.58
Net Income From Continuing Operations
-1.72
-284.46%
0.93
-41.32%
1.59
-12.64%
1.82
Depreciation Amortization Depletion
0.23
-8.24%
0.26
-10.53%
0.28
-1.04%
0.29
Depreciation
0.23
-8.24%
0.26
-10.53%
0.28
-1.04%
0.29
Depreciation And Amortization
0.23
-8.24%
0.26
-10.53%
0.28
-1.04%
0.29
Other Non Cash Items
-0.19
-347.37%
0.08
-94.44%
1.37
+555.67%
-0.30
Stock Based Compensation
0.00
-100.00%
0.00
-94.52%
0.07
-40.16%
0.12
Asset Impairment Charge
0.95
0.00
—
—
Deferred Tax
-0.29
-23.50%
-0.23
-185.09%
0.28
+223.32%
-0.22
Deferred Income Tax
-0.29
-23.50%
-0.23
-185.09%
0.28
+223.32%
-0.22
Operating Gains Losses
-0.01
+6.67%
-0.01
+94.12%
-0.26
+32.54%
-0.38
Gain Loss On Sale Of PPE
0.00
+100.00%
-0.01
0.00
-100.00%
0.00
Change In Working Capital
-0.32
-387.39%
0.11
+122.56%
-0.49
-241.38%
0.35
Change In Receivables
-0.27
-5.53%
-0.25
-662.22%
0.04
-66.91%
0.14
Changes In Account Receivables
-0.27
-5.53%
-0.25
-662.22%
0.04
-66.91%
0.14
Change In Prepaid Assets
-0.21
-189.66%
0.23
+155.90%
-0.41
-294.84%
0.21
Change In Payables And Accrued Expense
0.16
+18.18%
0.13
+208.20%
-0.12
-12100.00%
-0.00
Change In Payable
0.16
+18.18%
0.13
+208.20%
-0.12
-12100.00%
-0.00
Change In Account Payable
0.16
+18.18%
0.13
+208.20%
-0.12
-12100.00%
-0.00
Change In Other Working Capital
—
—
—
0.10
Investing Cash Flow
-16.60
+57.95%
-39.48
-396.14%
13.33
+250.72%
-8.85
Cash Flow From Continuing Investing Activities
-16.60
+57.95%
-39.48
-396.14%
13.33
+250.72%
-8.85
Net PPE Purchase And Sale
-0.07
-224.53%
0.05
+135.10%
-0.15
-112.68%
-0.07
Purchase Of PPE
-0.07
+48.03%
-0.13
+15.89%
-0.15
-49.50%
-0.10
Sale Of PPE
0.00
-100.00%
0.18
0.00
-100.00%
0.03
Capital Expenditure
-0.07
+48.03%
-0.13
+15.89%
-0.15
-49.50%
-0.10
Net Investment Purchase And Sale
2.64
+227.06%
-2.08
+79.89%
-10.33
-1726.30%
0.64
Purchase Of Investment
0.00
+100.00%
-4.97
+52.40%
-10.45
0.00
Sale Of Investment
2.64
-8.91%
2.90
+2274.59%
0.12
-80.79%
0.64
Net Other Investing Changes
0.46
-75.41%
1.88
+3650.00%
0.05
-93.96%
0.83
Financing Cash Flow
28.18
+36.28%
20.68
+275.24%
-11.80
-177.57%
15.21
Cash Flow From Continuing Financing Activities
28.18
+36.28%
20.68
+275.24%
-11.80
-177.57%
15.21
Net Issuance Payments Of Debt
-1.10
-103.05%
36.02
+257.94%
-22.81
-1156.86%
2.16
Issuance Of Debt
84.88
-37.27%
135.30
+1403.33%
9.00
-82.56%
51.60
Repayment Of Debt
-85.98
+13.40%
-99.28
-212.13%
-31.81
+35.67%
-49.44
Long Term Debt Issuance
84.88
-37.27%
135.30
+1403.33%
9.00
-82.56%
51.60
Long Term Debt Payments
-85.98
+13.40%
-99.28
-212.13%
-31.81
+35.67%
-49.44
Net Long Term Debt Issuance
-1.10
-103.05%
36.02
+257.94%
-22.81
-1156.86%
2.16
Net Common Stock Issuance
0.00
+100.00%
-0.46
+14.63%
-0.54
-223.35%
-0.17
Common Stock Payments
0.00
+100.00%
-0.46
+14.63%
-0.54
-223.35%
-0.17
Common Stock Dividend Paid
-0.67
+50.84%
-1.36
+2.22%
-1.39
-0.43%
-1.39
Cash Dividends Paid
-0.67
+50.84%
-1.36
+2.22%
-1.39
-0.43%
-1.39
Repurchase Of Capital Stock
0.00
+100.00%
-0.46
+14.63%
-0.54
-223.35%
-0.17
Net Other Financing Charges
0.12
+329.63%
0.03
+137.50%
-0.07
-289.47%
0.04
Changes In Cash
10.12
+157.32%
-17.66
-522.90%
4.17
-47.46%
7.95
Beginning Cash Position
8.17
-68.37%
25.82
+19.29%
21.65
+57.99%
13.70
End Cash Position
18.29
+123.91%
8.17
-68.37%
25.82
+19.29%
21.65
Free Cash Flow
-1.52
-248.29%
1.02
-58.84%
2.49
+68.24%
1.48
Interest Paid Supplemental Data
9.18
+138.74%
3.84
+118.16%
1.76
-17.97%
2.15
Income Tax Paid Supplemental Data
0.12
-56.90%
0.29
-47.27%
0.55
+15.79%
0.47
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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