Kentucky First Federal Bancorp
Kentucky First Federal Bancorp
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 2 | 2 | 2 | 2 | 3 | 5 | 3 | 2 | 2 | 2 | 2 | 2 | |||||
Federal Funds Sold And Securities Purchased Under … | - | - | - | - | - | - | - | - | 1 | 1 | 1 | - | |||||
Federal Funds Sold | 5 | 3 | 2 | 9 | 17 | 7 | 1 | 1 | - | - | - | 1 | |||||
Interest Bearing Deposits In Banks | 14 | 14 | 11 | 9 | 8 | 9 | 14 | 16 | 13 | 12 | - | 5 | |||||
Cash And Cash Equivalents At Carrying Value | 21 | 20 | 15 | 19 | 28 | 21 | 17 | 18 | 15 | 15 | 13 | 8 | |||||
Available For Sale Securities Debt Securities | 10 | 11 | 12 | 10 | 8 | 9 | 9 | 10 | 10 | 11 | 11 | 12 | |||||
Held To Maturity Securities | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 0 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | 318 | 314 | |||||
Loans Receivable Held For Sale Amount | - | - | - | - | - | - | - | - | - | 0 | - | - | |||||
Assets | |||||||||||||||||
Assets | 375 | 375 | 366 | 371 | 381 | 374 | 376 | 375 | 369 | 366 | 357 | 349 | |||||
Held To Maturity Securities Noncurrent | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | - | 0 | |||||
Accounts Receivable Net Noncurrent | - | - | - | - | 331 | 330 | 333 | 333 | 328 | 326 | - | 314 | |||||
Real Estate Investments | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Other Real Estate | - | - | - | - | - | - | - | - | - | - | - | 0 | |||||
Accounts Receivable Net | 328 | 330 | 326 | 327 | - | - | - | 333 | - | - | - | - | |||||
Property Plant And Equipment Net | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Federal Home Loan Bank Stock | 4 | 4 | 3 | 4 | 4 | 4 | 4 | 4 | 5 | 4 | 4 | 5 | |||||
Interest Receivable | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Bank Owned Life Insurance | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Goodwill | - | - | - | - | - | - | - | - | 1 | 1 | 1 | 1 | |||||
Prepaid Taxes | - | 0 | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Prepaid Expense And Other Assets Noncurrent | - | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Prepaid Expense Noncurrent | 1 | - | - | - | - | - | - | - | - | - | - | - | |||||
Deposits Savings Deposits | - | - | - | - | - | - | - | - | - | - | - | 58 | |||||
Demand Deposit Accounts | 33 | 30 | 31 | 29 | 30 | 27 | 31 | 32 | - | - | - | 31 | |||||
Deposits | 274 | 273 | 271 | 278 | 277 | 263 | 255 | 256 | 246 | 245 | 252 | 226 | |||||
Federal Home Loan Bank Advances Long Term | 49 | 51 | 44 | 43 | 53 | 62 | 70 | 69 | 72 | 71 | 53 | 70 | |||||
Advance Payments By Borrowers For Taxes And Insura… | 1 | 0 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 0 | 1 | 1 | |||||
Interest Payable Current And Noncurrent | 1 | 1 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Accrued Income Taxes Current | - | - | 0 | 0 | - | - | - | - | - | - | - | - | |||||
Accrued Income Taxes | 0 | - | - | - | - | - | - | - | - | - | - | - | |||||
Deferred Income Tax Liabilities Net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | 1 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities And Stockholders Equity | 375 | 375 | 366 | 371 | 381 | 374 | 376 | 375 | 369 | 366 | 357 | 349 | |||||
Other Liabilities | 1 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Liabilities | 325 | 326 | 318 | 323 | 333 | 326 | 327 | 327 | 320 | 317 | 307 | 298 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | |||||
Retained Earnings Accumulated Deficit | 19 | 18 | 18 | 18 | 17 | 17 | 17 | 17 | 18 | 19 | 19 | 20 | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 50 | 49 | 49 | 48 | 48 | 48 | 48 | 48 | 49 | 49 | 50 | 51 | |||||
Treasury Stock Value | -4 | -4 | -4 | -4 | -4 | -4 | -4 | -4 | -4 | -4 | -4 | -4 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -1 | -0 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | 2 | 2 | |||||
Held To Maturity Securities Fair Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Allowance For Doubtful Accounts Receivable Current | - | - | - | - | 2 | 2 | 2 | 2 | 2 | 2 | - | 2 | |||||
Allowance For Doubtful Accounts Receivable | 2 | 2 | 2 | 2 | - | - | - | 2 | - | - | - | - | |||||
Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Preferred Stock Shares Authorized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | |||||
Common Stock Shares Issued | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | |||||
Treasury Stock Common Shares | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 7.49% | 12.08% | 8.94% | -4.57% | -10.60% | -6.24% | 6.71% | 13.42% | 22.48% | - | - | - |
| 2025 | 2.59% | 7.41% | 14.44% | -6.25% | -10.94% | -18.13% | 2.76% | 14.57% | 25.59% | 7.82% | 22.63% | 21.79% |
| 2024 | -3.52% | -10.57% | -14.54% | -0.77% | -2.56% | -4.10% | -8.61% | -14.44% | -7.22% | -0.63% | -16.98% | -10.06% |
| 2023 | - | - | - | - | - | - | - | - | - | -11.05% | -15.18% | -16.71% |
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Performance and Valuation Metrics
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Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.82 | -0.88 | -0.92 | -0.97 | -1.14 | -0.57 | -0.10 | 0.33 | 0.91 | 0.94 | 1.09 | 1.31 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | - | 6,759.60 | 6,864.49 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | - | 0.05 | 0.05 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 0.17 | 0.10 | 0.07 | 0.02 | -0.13 | -0.15 | -0.19 | -0.21 | -0.07 | -0.04 | 0.05 | 0.11 | |||||
| Free Cash Flow Per Share TTM | 0.11 | -0.01 | 0.20 | -0.03 | -0.06 | -0.05 | -0.29 | -0.19 | -0.15 | -0.10 | 0.01 | 0.13 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.08 | 0.12 | 0.17 | 0.17 | 0.17 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 50.45% | 47.82% | 45.63% | 43.36% | 42.48% | 42.04% | 41.92% | 42.97% | 54.29% | 58.93% | 66.57% | 75.06% | |||||
| Operating Profit Margin TTM | 9.02% | 5.52% | 3.62% | 1.24% | -5.97% | -7.08% | -10.12% | -12.04% | -4.33% | -2.59% | 3.00% | 7.84% | |||||
| Net Profit Margin TTM | 6.86% | 4.14% | 2.75% | 0.94% | -5.74% | -6.59% | -9.10% | -10.57% | -3.29% | -2.02% | 2.33% | 5.96% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 9.52% | 11.33% | 14.60% | 18.19% | 2.42% | 4.23% | 4.07% | 4.05% | 54.36% | 54.70% | 52.35% | 43.33% | |||||
| Net Income Growth (1Y) | -230.94% | -170.01% | -134.59% | -110.52% | 78.54% | 239.14% | -505.45% | -284.46% | -154.79% | -127.20% | -72.40% | -41.32% | |||||
| EPS Growth (1Y) | -230.94% | -170.01% | -134.59% | -110.52% | 78.80% | 239.14% | -505.45% | -285.21% | -154.99% | -127.37% | -72.17% | -40.73% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 24.75 | 45.32 | 53.61 | 130.21 | -22.46 | -20.33 | -14.14 | -14.87 | -51.48 | -102.51 | 101.90 | 52.09 | |||||
| P/B TTM | 0.70 | 0.77 | 0.59 | 0.49 | 0.50 | 0.50 | 0.46 | 0.53 | 0.63 | 0.73 | 0.79 | 0.96 | |||||
| P/S TTM | 1.70 | 1.88 | 1.47 | 1.23 | 1.29 | 1.34 | 1.29 | 1.57 | 1.70 | 2.08 | 2.38 | 3.11 | |||||
| Market Cap | 34.77M | 37.66M | 28.95M | 23.57M | 24.10M | 24.13M | 22.08M | 25.59M | 30.94M | 35.88M | 39.23M | 48.60M | |||||
| Enterprise Value | 13.48M | 17.99M | 14.33M | 4.09M | -3.65M | 3.16M | 4.81M | 7.30M | 15.51M | 21.29M | 26.64M | 40.43M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 929.00K | -114.00K | 1.62M | -235.00K | -455.00K | -426.00K | -2.34M | -1.52M | -1.18M | -799.00K | 67.00K | 1.03M | |||||
| Net Debt | -21.30M | -19.67M | -14.63M | -19.48M | -27.75M | -20.98M | -17.27M | -18.29M | -15.42M | -14.58M | -12.59M | -8.17M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
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Growth Rates | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
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| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
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| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Kentucky First Federal Bancorp (KFFB) — SEC Financial Statements & Analysis
Kentucky First Federal Bancorp (KFFB) is a savings institution, federally chartered company. Kentucky First Federal Bancorp trades on Nasdaq as: KFFB. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Kentucky First Federal Bancorp reported a 9.52% year-over-year revenue growth, a Gross Profit Margin of 50.45% (TTM), a Price-to-Sales (P/S) ratio of 1.70x (TTM), a Price-to-Book (P/B) ratio of 0.70x (TTM), at a market cap of $34.77M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 9.52%
- Gross Profit Margin TTM
- 50.45%
- P/S TTM
- 1.70x
- P/B TTM
- 0.70x
- Market Cap
- $34.77M
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Kentucky First Federal Bancorp in?
Kentucky First Federal Bancorp (KFFB) operates in the Savings Institution, Federally Chartered industry.
What is KFFB's market cap?
Kentucky First Federal Bancorp (KFFB) has a market capitalization of $34.77M as of 2026-03-31.
What is KFFB's P/E ratio?
Kentucky First Federal Bancorp (KFFB)'s trailing twelve month P/E ratio is 24.75x as of 2026-03-31.
What exchange does KFFB trade on?
Kentucky First Federal Bancorp (KFFB) trades on the Nasdaq.