Kentucky First Federal Bancorp (KFFB) Income Statement
KFFB FY2026 at a glance
Fiscal year ended June 30, 2026 · U.S. dollarsKFFB revenue and net income
Where KFFB's revenue goes
FY2026Each bar shows an amount and its share of revenue. KFFB kept 8.9% of revenue as net income.
KFFB profit margins
KFFB growth rates
to FY2026| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +9.0% | +32.7% | +10.9% | +5.9% |
| Gross profit | +32.0% | +7.9% | +2.0% | +0.8% |
| Operating income | +952.1% | +26.8% | +2.9% | +1.8% |
| Net income | +954.7% | +27.0% | +1.0% | +2.4% |
| EPS (diluted) | +1,250.0% | +31.0% | +4.2% | +6.1% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
KFFB quarterly EPS vs estimates
Kentucky First Federal Bancorp beat the analyst EPS estimate in 1 of the last 1 quarters. Next report: November 5, 2026.
KFFB income statement
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $21.4M | $19.6M | $16.5M | $9.2M | $11.4M | $12.7M | $13.2M | $12.9M | $12.6M | $11.7M |
| Cost of revenue | $9.9M | $10.9M | $9.3M | $4.0M | $1.7M | $2.3M | $3.6M | $3.3M | $2.3M | $1.7M |
| Gross profit | $11.5M | $8.7M | $7.2M | $9.2M | $9.7M | $10.4M | $9.6M | $9.7M | $10.2M | $10.0M |
| Research & development | — | — | — | — | — | — | — | — | $0 | $0 |
| Sales, general & admin | $5.4M | $5.4M | $5.4M | $5.0M | $5.1M | $6.7M | $6.6M | $6.9M | $6.8M | $6.4M |
| Total operating expenses | $9.0M | $8.5M | $9.2M | −$7.9M | $7.7M | $8.2M | $21.9M | $8.7M | $8.9M | $8.5M |
| Operating income | $2.5M | $238,000 | −$2.0M | $1.2M | $2.1M | $2.2M | −$12.3M | $953,000 | $1.3M | $1.4M |
| Interest income | — | — | $16.3M | $12.8M | $10.9M | $12.2M | $12.8M | $12.7M | $11.9M | $11.3M |
| Interest expense | $9.7M | $10.9M | $9.3M | $3.9M | $1.8M | $2.1M | $3.5M | $3.3M | $2.2M | $1.5M |
| Income before taxes | $2.5M | $238,000 | −$2.0M | $1.2M | $2.1M | $2.2M | −$12.3M | $953,000 | $1.3M | $1.4M |
| Income taxes | $595,000 | $57,000 | −$239,000 | $294,000 | $477,000 | $352,000 | $264,000 | $141,000 | −$37,000 | $513,000 |
| Net income | $1.9M | $181,000 | −$1.7M | $933,000 | $1.6M | $1.8M | −$12.5M | $812,000 | $1.3M | $935,000 |
| EBITDA | $2.7M | $439,000 | −$1.7M | $1.5M | $2.4M | $2.5M | −$12.0M | $1.2M | $1.6M | $1.8M |
| EPS (diluted) | $0.27 | $0.02 | −$0.22 | $0.12 | $0.20 | $0.22 | −$1.52 | $0.10 | $0.14 | $0.10 |
| Gross margin | 53.7% | 44.3% | 43.7% | 100.0% | 85.2% | 81.7% | 72.8% | 74.8% | 81.3% | 85.5% |
| Operating margin | 11.7% | 1.2% | −11.9% | 13.4% | 18.1% | 17.0% | −92.9% | 7.4% | 10.2% | 12.4% |
| Net margin | 8.9% | 0.9% | −10.4% | 10.2% | 13.9% | 14.3% | −94.9% | 6.3% | 10.5% | 8.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.5M | $5.4M | $5.4M | $5.2M | $5.1M | $4.9M | $5.0M | $4.8M | $2.0M | $4.3M | $4.0M | $3.8M |
| Cost of revenue | $2.4M | $2.4M | $2.5M | $2.5M | $2.7M | $2.7M | $2.7M | $2.8M | — | $2.4M | $2.3M | $2.1M |
| Gross profit | $3.1M | $3.0M | $2.8M | $2.7M | $2.4M | $2.2M | $2.2M | $2.0M | — | $1.9M | $1.7M | $1.7M |
| Sales, general & admin | $1.3M | $1.4M | $1.4M | $1.3M | $1.4M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.4M | $1.3M |
| Total operating expenses | $2.2M | $2.2M | $2.4M | $2.2M | $2.1M | $2.2M | $2.2M | $2.0M | — | $2.0M | $2.1M | $2.0M |
| Operating income | $895,000 | $755,000 | $401,000 | $453,000 | $239,000 | $15,000 | $6,000 | −$21,000 | — | −$145,000 | −$455,000 | −$244,000 |
| Interest income | — | $5.3M | $5.2M | $5.1M | — | $4.8M | $4.8M | $4.6M | $4.4M | $4.2M | $3.9M | $3.7M |
| Interest expense | $2.2M | $2.4M | $2.5M | $2.5M | $2.7M | $2.7M | $2.7M | $2.8M | $2.5M | $2.4M | $2.3M | $2.1M |
| Income before taxes | $895,000 | $755,000 | $401,000 | $453,000 | $239,000 | $15,000 | $6,000 | −$21,000 | −$1.1M | −$145,000 | −$455,000 | −$244,000 |
| Income taxes | $215,000 | $174,000 | $97,000 | $109,000 | $63,000 | $8,000 | −$7,000 | −$6,000 | — | −$38,000 | −$94,000 | −$69,000 |
| Net income | $680,000 | $581,000 | $304,000 | $344,000 | $176,000 | $7,000 | $13,000 | −$15,000 | −$1.1M | −$107,000 | −$361,000 | −$175,000 |
| EBITDA | $950,000 | $807,000 | $449,000 | $501,000 | $267,000 | $85,000 | $56,000 | $32,000 | — | −$86,000 | −$395,000 | −$185,000 |
| EPS (diluted) | $0.08 | $0.07 | $0.08 | $0.04 | $0.02 | $0.00 | $0.00 | −$0.00 | −$0.13 | −$0.01 | −$0.05 | −$0.02 |
| Gross margin | 55.9% | 54.9% | 52.7% | 51.0% | 47.0% | 44.5% | 44.6% | 41.9% | — | 44.0% | 42.6% | 45.6% |
| Operating margin | 16.4% | 14.0% | 7.5% | 8.7% | 4.7% | 0.3% | 0.1% | −0.4% | — | −3.4% | −11.5% | −6.4% |
| Net margin | 12.4% | 10.8% | 5.7% | 6.6% | 3.5% | 0.1% | 0.3% | −0.3% | −55.2% | −2.5% | −9.1% | −4.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in KFFB's financial statements (latest annual report filed September 28, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
KFFB financial results
In fiscal year 2026 (ended June 30, 2026), Kentucky First Federal Bancorp reported revenue of $21.4 million, up 9.0% from the year before. It had net income of $1.9 million (up 954.7%), a net profit margin of 8.9%. Diluted earnings per share came to $0.27. Over five years revenue grew at an average rate of 10.9% a year.
See the KFFB stock overview for the latest quote and news, or the KFFB chart for price history and technical indicators.
KFFB income statement FAQ
What is Kentucky First Federal Bancorp's annual revenue?
Kentucky First Federal Bancorp reported total revenue of $21.4 million for fiscal year 2026, which ended on June 30, 2026. That was up 9.0% from $19.6 million the previous year.
Is Kentucky First Federal Bancorp profitable?
Yes. Kentucky First Federal Bancorp reported net income of $1.9 million in fiscal 2026, a net profit margin of 8.9%; its operating margin was 11.7%.
What is Kentucky First Federal Bancorp's gross margin?
Kentucky First Federal Bancorp's gross margin was 53.7% in fiscal 2026: for every $100 of revenue, Kentucky First Federal Bancorp kept $54 after the direct cost of its products and services.
How fast is Kentucky First Federal Bancorp growing?
Revenue grew 10.9% a year on average over the last five fiscal years, from $12.7 million to $21.4 million.
What are Kentucky First Federal Bancorp's earnings per share?
Kentucky First Federal Bancorp earned $0.27 per diluted share in fiscal 2026, compared with $0.02 a year earlier.
When will Kentucky First Federal Bancorp report its next earnings?
Kentucky First Federal Bancorp is expected to report results for the quarter ending September 30, 2026 on November 5, 2026.
When does Kentucky First Federal Bancorp's fiscal year end?
Kentucky First Federal Bancorp's fiscal year ends in June. The latest annual report covers the year ended June 30, 2026 and was filed on September 28, 2026.