Kentucky First Federal Bancorp (KFFB) Balance Sheet
KFFB balance sheet, FY2026
June 30, 2026 · U.S. dollars$362.4M assets = $312.1M liabilities + $50.3M equity
Both columns are drawn to the same scale: what KFFB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
KFFB financial health
Descriptive bands, not a rating. Fiscal FY2026.
KFFB balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $308.5MFY2017 | $362.4MFY2026 | +1.8%/yr | |
| Total liabilities | $241.3MFY2017 | $312.1MFY2026 | +2.9%/yr | |
| Shareholders’ equity | $67.1MFY2017 | $50.3MFY2026 | −3.2%/yr | |
| Cash & short-term investments | $17.1MFY2017 | $4.3MFY2026 | −14.3%/yr | |
| Total debt | $55.8MFY2017 | $48.6MFY2026 | −1.5%/yr | |
| Net cash (debt) | −$38.7MFY2017 | −$44.3MFY2026 | −$5.6M | |
| Working capital | −$165.1MFY2017 | −$17.1MFY2026 | +$148.0M | |
| Book value per share | $8.05FY2017 | $6.22FY2026 | −2.8%/yr | |
| Debt / equity | 0.83FY2017 | 0.97FY2026 | +0.14 | |
| Shares outstanding | 8.3MFY2017 | 8.1MFY2026 | −0.3%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
KFFB assets
KFFB liabilities and equity
KFFB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
KFFB balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $4.3M | $10.9M | $27.2M | $19.6M | $21.5M | $16.9M | $16.5M | $17.7M | $15.7M | $17.1M |
| Cash & equivalents | $16.5M | $2.3M | $17.6M | $7.5M | $11.0M | $16.9M | $15.9M | $16.7M | $15.6M | $17.0M |
| Short-term investments | $1.5M | $8.6M | $9.6M | $12.1M | $10.5M | $33,000 | $541,000 | $1.0M | $48,000 | $71,000 |
| Receivables | $1.6M | $1.4M | $1.2M | $902,000 | $649,000 | $694,000 | $830,000 | $758,000 | $706,000 | $679,000 |
| Inventory | $0 | $0 | $219,000 | −$10.2M | −$26.9M | −$22.7M | −$17.5M | −$18.6M | −$17.2M | −$18.1M |
| Other current assets | $10.6M | $8.6M | $0 | $10.3M | $27.2M | $22.8M | $17.7M | $19.0M | $17.2M | $18.1M |
| Total current assets | $16.5M | $20.9M | $28.6M | $20.6M | $22.5M | $17.7M | $17.4M | $18.9M | $16.4M | $17.8M |
| Property, plant & equipment (net) | $0 | $4.2M | $4.3M | $4.4M | $4.6M | $4.7M | $4.9M | $5.0M | $5.7M | $5.8M |
| Goodwill & intangible assets | $0 | $0 | $0 | $947,000 | $947,000 | $947,000 | $947,000 | $14.5M | $29.0M | $29.0M |
| Long-term investments | $0 | $0 | $9.9M | $12.4M | $10.8M | $495,000 | $1.1M | $1.8M | $271.3M | $259.7M |
| Other non-current assets | $345.9M | $347.0M | $332.2M | $310.7M | $289.2M | $314.3M | $296.7M | $290.4M | $0 | $0 |
| Total assets | $362.4M | $372.2M | $375.0M | $349.0M | $328.1M | $338.1M | $321.1M | $330.6M | $318.4M | $308.5M |
| Liabilities | ||||||||||
| Accounts payable | — | — | $176,000 | $70,000 | $12,000 | $20,000 | $27,000 | $28,000 | $22,000 | $21,000 |
| Short-term debt | — | $7.7M | $69.0M | $70.0M | $26.7M | $23.8M | $28.3M | $66.2M | $52.3M | $51.8M |
| Deferred revenue | — | — | $157.7M | −$69.9M | −$26.7M | −$23.8M | −$28.3M | −$66.2M | −$52.3M | −$51.8M |
| Total current liabilities | $33.6M | $210.5M | $256.3M | $226.4M | $239.9M | $226.9M | $212.3M | $195.9M | $195.7M | $182.9M |
| Long-term debt | $0 | $0 | $69.0M | $70.1M | $34.1M | $56.9M | $54.7M | $66.7M | $53.1M | $55.8M |
| Other long-term liabilities | $312.1M | $113.3M | $1.7M | $1.8M | $2.1M | $2.0M | $2.2M | $1.9M | $2.5M | $2.7M |
| Total liabilities | $312.1M | $323.8M | $327.0M | $298.3M | $276.1M | $285.8M | $269.2M | $264.4M | $251.2M | $241.3M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $86,000 | $86,000 | $86,000 | $86,000 | $86,000 | $86,000 | $86,000 | $86,000 | $86,000 | $86,000 |
| Retained earnings (deficit) | $19.4M | $17.5M | $17.3M | $20.1M | $20.6M | $20.4M | $19.9M | $33.9M | $34.0M | $34.2M |
| Treasury stock | — | — | — | — | — | — | −$2.8M | −$2.3M | −$1.4M | −$1.4M |
| Accumulated other comprehensive income | −$129,000 | −$145,000 | −$336,000 | −$427,000 | −$5,000 | −$102,000 | $2,000 | $4,000 | −$6.3M | $1,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $50.3M | $48.4M | $48.0M | $50.7M | $52.0M | $52.3M | $51.9M | $66.3M | $67.2M | $67.1M |
| Key figures | ||||||||||
| Total debt | $48.6M | $42.8M | $69.0M | $70.1M | $34.1M | $56.9M | $54.7M | $66.7M | $53.1M | $55.8M |
| Net cash (debt) | −$44.3M | −$31.8M | −$41.8M | −$50.5M | −$12.6M | −$39.9M | −$38.2M | −$49.0M | −$37.4M | −$38.7M |
| Working capital | −$17.1M | −$189.6M | −$227.7M | −$205.8M | −$217.4M | −$209.2M | −$194.9M | −$177.0M | −$179.3M | −$165.1M |
| Tangible book value | $50.3M | $48.4M | $48.0M | $49.8M | $51.1M | $51.3M | $51.0M | $51.8M | $38.2M | $38.1M |
| Book value per share | $6.22 | $5.97 | $5.93 | $6.24 | $6.33 | $6.36 | $6.29 | $7.95 | $8.03 | $8.05 |
| Shares outstanding | 8.1M | 8.1M | 8.1M | 8.1M | 8.2M | 8.2M | 8.3M | 8.3M | 8.4M | 8.3M |
| Current ratio | 0.49 | 0.10 | 0.11 | 0.09 | 0.09 | 0.08 | 0.08 | 0.10 | 0.08 | 0.10 |
| Quick ratio | 0.18 | 0.06 | 0.11 | 0.09 | 0.09 | 0.08 | 0.08 | 0.09 | 0.08 | 0.10 |
| Debt / equity | 0.97 | 0.88 | 1.44 | 1.38 | 0.65 | 1.09 | 1.05 | 1.01 | 0.79 | 0.83 |
| Equity / assets | 13.9% | 13.0% | 12.8% | 14.5% | 15.9% | 15.5% | 16.2% | 20.0% | 21.1% | 21.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $16.5M | $2.3M | $27.6M | $24.2M | $2.3M | $18.9M | $22.7M | $26.0M | $27.2M | $25.0M | $24.8M | $23.1M |
| Cash & equivalents | $16.5M | $2.3M | $16.4M | $12.5M | $2.3M | $10.7M | $14.0M | $16.5M | $17.6M | $14.7M | $13.9M | $11.9M |
| Short-term investments | — | $10.3M | $11.2M | $11.7M | $9.9M | $8.2M | $8.6M | $9.4M | $9.6M | $10.2M | $10.9M | $11.2M |
| Receivables | $1.6M | $1.6M | $1.5M | $1.4M | $1.4M | $1.4M | $1.3M | $1.3M | $1.2M | $1.2M | $1.1M | $1.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $219,000 | $0 | −$13.4M | −$14.0M | −$13.8M |
| Other current assets | $0 | $17.4M | $99,000 | $0 | $0 | $145,000 | $204,000 | $0 | — | $13.6M | $14.2M | $14.1M |
| Total current assets | $16.5M | $21.3M | $29.2M | $25.7M | $3.8M | $20.5M | $24.1M | $27.4M | — | $26.4M | $26.1M | $24.4M |
| Property, plant & equipment (net) | $0 | $4.2M | $4.2M | $4.2M | $4.2M | $4.2M | $4.2M | $4.2M | $4.3M | $4.3M | $4.4M | $4.4M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $947,000 | $947,000 | $947,000 |
| Long-term investments | $0 | $10.4M | $11.3M | $11.9M | $0 | $8.4M | $8.8M | $9.6M | $9.9M | $10.4M | $11.2M | $11.5M |
| Other non-current assets | $345.9M | $338.6M | $330.6M | $324.8M | $364.2M | $347.7M | $337.0M | $334.4M | $360.8M | $327.0M | $323.6M | $315.6M |
| Total assets | $362.4M | $374.5M | $375.3M | $366.5M | $372.2M | $380.7M | $374.2M | $375.6M | $375.0M | $369.1M | $366.2M | $356.8M |
| Liabilities | ||||||||||||
| Accounts payable | — | $709,000 | $510,000 | $396,000 | — | $644,000 | $478,000 | $242,000 | $176,000 | $150,000 | $167,000 | $164,000 |
| Short-term debt | — | — | — | — | $7.7M | — | — | $69.0M | — | — | — | — |
| Deferred revenue | — | — | — | — | — | — | — | $157.7M | — | — | — | — |
| Total current liabilities | $33.6M | $120,000 | $273.7M | $271.8M | $7.7M | $278.0M | $263.5M | $255.2M | — | $246.3M | $244.8M | $252.5M |
| Long-term debt | $0 | $48.9M | $51.4M | $43.8M | $0 | $53.4M | $61.8M | $70.1M | $69.0M | $72.3M | $71.0M | $52.6M |
| Other long-term liabilities | $312.1M | $275.9M | $1.0M | $2.1M | $316.1M | $1.1M | $828,000 | $2.2M | — | $1.5M | $1.3M | $2.0M |
| Total liabilities | $312.1M | $324.9M | $326.2M | $317.7M | $323.8M | $332.6M | $326.2M | $327.4M | $327.0M | $320.1M | $317.1M | $307.1M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $86,000 | $86,000 | $86,000 | $86,000 | $86,000 | $86,000 | $86,000 | $86,000 | — | $86,000 | $86,000 | $86,000 |
| Retained earnings (deficit) | $19.4M | $18.7M | $18.2M | $17.9M | $17.5M | $17.3M | $17.3M | $17.3M | $17.3M | $18.4M | $18.5M | $19.2M |
| Accumulated other comprehensive income | −$129,000 | −$85,000 | −$61,000 | −$79,000 | −$145,000 | −$186,000 | −$276,000 | −$95,000 | — | −$396,000 | −$334,000 | −$565,000 |
| Total shareholders' equity | $50.3M | $49.7M | $49.1M | $48.8M | $48.4M | $48.2M | $48.1M | $48.2M | $48.0M | $49.0M | $49.2M | $49.6M |
| Key figures | ||||||||||||
| Total debt | $48.6M | $48.9M | $51.4M | $43.8M | $42.8M | $53.4M | $61.8M | $70.1M | $69.0M | $72.3M | $71.0M | $52.6M |
| Net cash (debt) | −$32.1M | −$46.6M | −$23.9M | −$19.5M | −$40.4M | −$34.5M | −$39.1M | −$44.1M | −$41.8M | −$47.4M | −$46.2M | −$29.4M |
| Working capital | −$17.1M | $21.2M | −$244.5M | −$246.1M | −$3.9M | −$257.6M | −$239.4M | −$227.7M | — | −$219.8M | −$218.7M | −$228.1M |
| Tangible book value | $50.3M | $49.7M | $49.1M | $48.8M | $48.4M | $48.2M | $48.1M | $48.2M | $48.0M | $48.1M | $48.2M | $48.7M |
| Book value per share | $6.22 | $6.14 | $6.06 | $6.03 | $5.97 | $5.95 | $5.93 | $5.96 | $5.94 | $6.05 | $6.07 | $6.13 |
| Shares outstanding | 8.1M | 8.1M | 8.1M | 8.1M | 8.1M | 8.1M | 8.1M | 8.1M | 8.1M | 8.1M | 8.1M | 8.1M |
| Current ratio | 0.49 | 177.47 | 0.11 | 0.09 | 0.49 | 0.07 | 0.09 | 0.11 | — | 0.11 | 0.11 | 0.10 |
| Quick ratio | 0.54 | 32.35 | 0.11 | 0.09 | 0.49 | 0.07 | 0.09 | 0.11 | — | 0.11 | 0.11 | 0.10 |
| Debt / equity | 0.97 | 0.99 | 1.05 | 0.90 | 0.88 | 1.11 | 1.29 | 1.45 | 1.44 | 1.48 | 1.44 | 1.06 |
| Equity / assets | 13.9% | 13.3% | 13.1% | 13.3% | 13.0% | 12.6% | 12.8% | 12.8% | 12.8% | 13.3% | 13.4% | 13.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed September 28, 2026); data from EODHD.
KFFB financial position
At the end of fiscal 2026 (June 30, 2026), Kentucky First Federal Bancorp had total assets of $362.4 million (down 2.6% from a year earlier), total liabilities of $312.1 million and shareholders' equity of $50.3 million. It held $4.3 million in cash and short-term investments against $48.6 million of debt, net debt of $44.3 million. Its current ratio was 0.49.
Related: KFFB income statement, KFFB cash flow statement, KFFB key metrics. See the KFFB stock overview for the latest quote and news.
KFFB balance sheet FAQ
What are Kentucky First Federal Bancorp's total assets?
Kentucky First Federal Bancorp reported total assets of $362.4 million at the end of fiscal 2026 (June 30, 2026), compared with $372.2 million a year earlier.
How much debt does Kentucky First Federal Bancorp have?
Kentucky First Federal Bancorp had $48.6 million of total debt at the end of fiscal 2026, including short-term borrowings. Its debt-to-equity ratio was 0.97.
How much cash does Kentucky First Federal Bancorp have?
Kentucky First Federal Bancorp held $4.3 million in cash and short-term investments at the end of fiscal 2026; with $48.6 million of debt that is net debt of $44.3 million.
What is Kentucky First Federal Bancorp's book value?
Kentucky First Federal Bancorp's shareholders' equity (book value) was $50.3 million at the end of fiscal 2026, or $6.22 per share.
What is Kentucky First Federal Bancorp's current ratio?
Kentucky First Federal Bancorp had current assets of $16.5 million and current liabilities of $33.6 million, a current ratio of 0.49 (current liabilities exceed current assets).