Kentucky First Federal Bancorp (KFFB) AI Stock Analysis

Kentucky First Federal Bancorp functions as the holding company overseeing First Federal Savings and Loan Association of Hazard and Frankfort First Bancorp, Inc., offering banking services throughout Kentucky. Operating under the ownership of First Federal MHC, the institution maintains a network of seven banking offices. Its deposit products include passbook savings, certificates of deposit, checking accounts, and individual retirement accounts. The company's lending portfolio encompasses residential mortgage loans, construction loans, commercial and multi-family property loans, commercial non-mortgage loans, and consumer loans like home equity lines of credit and automobile loans. The company also invests in mortgage-backed securities to diversify its assets.

Over the past five fiscal years from FY2021 to FY2026, revenue grew at a compound annual growth rate of 10.9%. Annual revenue declined 10.4% in FY2022 to $11.4M and 19.9% in FY2023 to $9.2M, before climbing 80.5% in FY2024 to $16.5M and 18.9% in FY2025 to $19.6M. In FY2026, revenue reached $21.4M, with gross margin at 53.7% and operating margin at 11.7%. Net income improved to $1.9M in FY2026, generating diluted earnings per share of $0.27, recovering from a net loss of $1.7M in FY2024. For the latest quarter ended June 30, 2026, quarterly revenue grew 26.8% year-over-year, while quarterly earnings expanded by 287.0%.

As of June 30, 2026, Kentucky First Federal Bancorp held $16.5M in cash and short-term investments against total debt of $48.6M, resulting in net debt of $32.1M. Total assets stood at $362.4M against shareholders' equity of $50.3M, yielding a debt-to-equity ratio of 0.97 and a current ratio of 0.49. In FY2026, operating cash flow turned positive to $1.2M and free cash flow reached $1.1M. Capital expenditures were $136,000, and the five-year share count contracted by 1.6%.

Kentucky First Federal Bancorp trades at a trailing price-to-earnings multiple of 22.5x and a forward multiple of 46.1x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peers. Its price-to-sales ratio is 3.8x, above the peer median of 3.2x, while its price-to-book ratio stands at 0.9x. The company holds an enterprise value of $75.8M and a market capitalization of $43.7M. Over the past year, KFFB returned 49.2%, beating the 16.8% return of the S&P 500, but its five-year return of -13.7% trails the index return of 83.0%.

Kentucky First Federal Bancorp pays a forward annual dividend of $0.20 per share, distributed on a quarterly frequency. This translates to a dividend yield of 3.70% at the last close price of $5.40. The dividend payout ratio stands at 18.4%, and the company's most recent ex-dividend date was August 31, 2026.

Kentucky First Federal Bancorp has logged 4 EPS beats over the last 4 quarters, beating consensus estimates in every reporting period over the past year. Formal analyst rating distributions and forward price targets are not published for the company. The bank is scheduled to report its next earnings on November 5, 2026. For the trailing twelve months, the company generated diluted earnings per share of $0.24, supported by a 287.0% quarterly earnings growth rate in the quarter ended June 30, 2026.

This page is an AI-written research summary of Kentucky First Federal Bancorp (KFFB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: KFFB income statement, KFFB balance sheet, KFFB key metrics, KFFB chart. See the KFFB stock overview for the latest quote and news.