Kentucky First Federal Bancorp (KFFB) Key Metrics
KFFB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $43.7M
- Enterprise value
- $75.8M
- P/E (TTM)
- 22.5 10-yr median 53.8
- Forward P/E
- 46.1
- PEG ratio
- —
- Price / sales
- 3.8 10-yr median 4.9
- Price / book
- 0.9 10-yr median 1.0
- EV / EBITDA
- — 10-yr median 66.8
- Dividend yield
- 3.70% $0.20 a year
- Beta
- 0.14
KFFB key metrics, FY2017–FY2026
Fiscal year ended June 30, 2026 · U.S. dollarsKFFB valuation Price multiples at each fiscal year-end price.
KFFB returns How much profit the business earns on the capital it uses.
KFFB per-share figures Results divided by the shares outstanding at year-end.
KFFB financial health Debt, liquidity and how easily interest is covered.
KFFB efficiency & capital use Working capital cycle and where the cash goes.
KFFB valuation history
KFFB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
KFFB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
KFFB cash returned to shareholders
KFFB price vs earnings per share
KFFB key metrics
FY2017–FY2026| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $41.1M | $23.6M | $25.6M | $50.5M | $65.5M | $60.5M | $55.7M | $65.4M | $70.7M | $78.8M |
| Enterprise value | $85.4M | $55.4M | $67.3M | $101.0M | $78.1M | $100.4M | $93.9M | $114.4M | $108.1M | $117.5M |
| P/E ratio | 21.5 | 130.2 | — | 54.1 | 41.2 | 33.2 | — | 80.6 | 53.4 | 84.3 |
| Price / sales | 1.9 | 1.2 | 1.5 | 5.5 | 5.7 | 4.7 | 4.2 | 5.1 | 5.6 | 6.7 |
| Price / book | 0.8 | 0.5 | 0.5 | 1.0 | 1.3 | 1.2 | 1.1 | 1.0 | 1.1 | 1.2 |
| Price / free cash flow | 37.0 | — | — | 49.3 | 26.3 | 40.9 | 63.5 | 76.6 | 70.8 | 39.6 |
| Price / operating cash flow | 32.9 | — | — | 43.9 | 24.8 | 38.2 | 53.5 | 65.3 | 61.5 | 37.3 |
| EV / sales | 4.0 | 2.8 | 4.1 | 11.0 | 6.8 | 7.9 | 7.1 | 8.8 | 8.6 | 10.1 |
| EV / EBITDA | 32.2 | 126.2 | — | 68.2 | 33.2 | 40.8 | — | 92.6 | 67.8 | 65.9 |
| EV / free cash flow | 76.9 | — | — | 98.6 | 31.3 | 67.8 | 107.1 | 134.0 | 108.3 | 59.1 |
| Earnings yield | 4.6% | 0.8% | −6.7% | 1.8% | 2.4% | 3.0% | −22.5% | 1.2% | 1.9% | 1.2% |
| Free cash flow yield | 2.7% | −1.0% | −5.9% | 2.0% | 3.8% | 2.4% | 1.6% | 1.3% | 1.4% | 2.5% |
| Dividend yield | — | — | 2.6% | 2.7% | 2.1% | 2.3% | 2.5% | 2.2% | 2.1% | 1.9% |
| Shareholder yield (dividends + buybacks) | — | — | 2.6% | 3.6% | 3.0% | 2.6% | 3.5% | 3.6% | 2.1% | 1.9% |
| Share price at fiscal year-end | $5.08 | $2.91 | $3.16 | $6.21 | $7.97 | $7.36 | $6.75 | $7.85 | $8.45 | $9.44 |
| Per share | ||||||||||
| Revenue per share | $2.65 | $2.43 | $2.04 | $1.13 | $1.39 | $1.55 | $1.60 | $1.55 | $1.50 | $1.40 |
| Earnings per share | $0.24 | $0.02 | −$0.21 | $0.11 | $0.19 | $0.22 | −$1.52 | $0.10 | $0.16 | $0.11 |
| Operating cash flow per share | $0.15 | −$0.01 | −$0.18 | $0.14 | $0.32 | $0.19 | $0.13 | $0.12 | $0.14 | $0.25 |
| Free cash flow per share | $0.14 | −$0.03 | −$0.19 | $0.13 | $0.30 | $0.18 | $0.11 | $0.10 | $0.12 | $0.24 |
| Cash per share | $0.53 | $1.35 | $3.36 | $2.41 | $2.61 | $2.06 | $2.00 | $2.13 | $1.87 | $2.05 |
| Book value per share | $6.22 | $5.97 | $5.93 | $6.24 | $6.33 | $6.36 | $6.29 | $7.95 | $8.03 | $8.05 |
| Tangible book value per share | $6.22 | $5.97 | $5.93 | $6.12 | $6.22 | $6.25 | $6.18 | $6.21 | $4.56 | $4.57 |
| Dividends per share | — | — | $0.08 | $0.17 | $0.17 | $0.17 | $0.17 | $0.17 | $0.17 | $0.18 |
| Capex per share | $0.02 | $0.02 | $0.01 | $0.02 | $0.02 | $0.01 | $0.02 | $0.02 | $0.02 | $0.01 |
| Debt per share | $6.01 | $5.28 | $8.52 | $8.62 | $4.15 | $6.92 | $6.63 | $8.00 | $6.34 | $6.68 |
| Shares outstanding | 8.1M | 8.1M | 8.1M | 8.1M | 8.2M | 8.2M | 8.3M | 8.3M | 8.4M | 8.3M |
| Change in shares outstanding | −0.1% | 0.0% | −0.4% | −1.0% | −0.0% | −0.4% | −1.0% | −0.4% | +0.3% | +0.3% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 3.9% | 0.4% | −3.5% | 1.8% | 3.0% | 3.5% | −21.2% | 1.2% | 2.0% | 1.4% |
| Return on invested capital (ROIC) | 2.2% | 0.2% | −1.6% | 1.1% | 2.0% | 2.0% | −9.4% | 0.7% | 1.2% | 1.0% |
| Return on assets (ROA) | 0.5% | 0.0% | −0.5% | 0.3% | 0.5% | 0.6% | −3.9% | 0.3% | 0.4% | 0.3% |
| Return on tangible assets | 0.5% | 0.0% | −0.5% | 0.3% | 0.5% | 0.5% | −3.9% | 0.3% | 0.5% | 0.3% |
| Free cash flow margin | 5.2% | −1.2% | −9.2% | 11.2% | 21.8% | 11.6% | 6.6% | 6.6% | 7.9% | 17.0% |
| Income quality (OCF / net income) | 0.65 | −0.48 | — | 1.23 | 1.66 | 0.87 | — | 1.23 | 0.87 | 2.26 |
| Financial health | ||||||||||
| Total debt | $48.6M | $42.8M | $69.0M | $70.1M | $34.1M | $56.9M | $54.7M | $66.7M | $53.1M | $55.8M |
| Cash & short-term investments | $4.3M | $10.9M | $27.2M | $19.6M | $21.5M | $16.9M | $16.5M | $17.7M | $15.7M | $17.1M |
| Net debt | $44.3M | $31.8M | $41.8M | $50.5M | $12.6M | $39.9M | $38.2M | $49.0M | $37.4M | $38.7M |
| Debt / equity | 0.97 | 0.88 | 1.44 | 1.38 | 0.65 | 1.09 | 1.05 | 1.01 | 0.79 | 0.83 |
| Debt / assets | 0.13 | 0.11 | 0.18 | 0.20 | 0.10 | 0.17 | 0.17 | 0.20 | 0.17 | 0.18 |
| Net debt / EBITDA | 16.72 | 72.53 | — | 34.08 | 5.35 | 16.24 | — | 39.66 | 23.43 | 21.70 |
| Current ratio | 0.49 | 0.10 | 0.11 | 0.09 | 0.09 | 0.08 | 0.08 | 0.10 | 0.08 | 0.10 |
| Quick ratio | 0.49 | 0.10 | 0.11 | 0.14 | 0.21 | 0.18 | 0.16 | 0.19 | 0.17 | 0.20 |
| Interest coverage | 0.3 | 0.0 | -0.2 | 0.3 | 1.2 | 1.0 | -3.5 | 0.3 | 0.6 | 1.0 |
| Working capital | −$17.1M | −$189.6M | −$227.7M | −$205.8M | −$217.4M | −$209.2M | −$194.9M | −$177.0M | −$179.3M | −$165.1M |
| Invested capital | $94.6M | $80.2M | $89.8M | $101.2M | $64.6M | $92.2M | $90.2M | $115.3M | $104.6M | $105.8M |
| Tangible asset value | $50.3M | $48.4M | $48.0M | $49.8M | $51.1M | $51.3M | $51.0M | $51.8M | $38.2M | $38.1M |
| Net current asset value | −$295.6M | −$302.9M | −$298.4M | −$277.7M | −$253.5M | −$268.1M | −$251.8M | −$245.5M | −$234.8M | −$223.6M |
| Graham number | $5.75 | $1.73 | — | $4.01 | $5.25 | $5.63 | — | $4.17 | $5.35 | $4.50 |
| Graham net-net per share | −$37.92 | −$38.50 | −$36.89 | −$34.82 | −$32.57 | −$34.04 | −$31.62 | −$30.63 | −$29.11 | −$27.90 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | $670,000 | $1.4M | $1.4M | $1.4M | $1.4M | $1.4M | $1.5M | $1.5M |
| Share buybacks (net) | — | — | $0 | $461,000 | $540,000 | $167,000 | $542,000 | $904,000 | $0 | $0 |
| Dividend payout ratio | — | — | — | 146.1% | 87.7% | 76.3% | — | 176.8% | 109.8% | 159.0% |
| Dividends + buybacks / free cash flow | — | — | — | 178.0% | 77.7% | 105.1% | 220.1% | 274.0% | 145.6% | 74.8% |
| Capex / revenue | 0.6% | 0.8% | 0.4% | 1.4% | 1.3% | 0.8% | 1.2% | 1.1% | 1.2% | 1.1% |
| Capex / operating cash flow | 10.9% | — | — | 11.0% | 5.7% | 6.4% | 15.8% | 14.8% | 13.1% | 5.9% |
| Capex / depreciation | 0.92 | 0.74 | 0.28 | 0.50 | 0.53 | 0.35 | 0.60 | 0.52 | 0.49 | 0.37 |
| Stock-based compensation / revenue | — | — | 0.0% | 0.0% | 0.6% | 1.0% | 0.8% | 1.2% | 1.5% | 1.8% |
| SG&A / revenue | 25.3% | 27.4% | 32.6% | 54.9% | 44.3% | 52.7% | 49.7% | 53.1% | 54.1% | 54.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 26.3 | 24.2 | 22.9 | 30.9 | 21.4 | 21.8 | 21.9 | 20.7 | 20.1 | 21.7 |
| Days of inventory on hand | — | — | -195.4 | -1,684.0 | -5,340.9 | -3,148.3 | -1,828.7 | -1,999.6 | -2,746.9 | -3,895.4 |
| Days payables outstanding | — | — | 4.8 | 3.7 | 3.4 | 3.7 | 2.8 | 2.8 | 3.3 | 4.6 |
| Cash conversion cycle (days) | — | — | -177.4 | -1,656.9 | -5,322.9 | -3,130.2 | -1,809.6 | -1,981.8 | -2,730.2 | -3,878.4 |
| Receivables turnover | 13.88 | 15.07 | 15.96 | 11.81 | 17.02 | 16.73 | 16.65 | 17.67 | 18.16 | 16.81 |
| Payables turnover | — | — | 75.67 | 97.93 | 105.88 | 99.28 | 130.98 | 130.52 | 109.12 | 79.02 |
| Asset turnover | 0.06 | 0.05 | 0.05 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | $1.5M | $1.3M | $1.0M | $775,500 | $671,500 | $762,000 | $794,000 | $732,000 | $692,500 | $694,500 |
| Average payables | — | — | $123,000 | $41,000 | $16,000 | $23,500 | $27,500 | $25,000 | $21,500 | $21,500 |
| Average inventory | — | — | −$5.0M | −$18.5M | −$24.8M | −$20.1M | −$18.0M | −$17.9M | −$17.7M | −$18.1M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.3% | 0.3% | 0.3% | 0.3% | 4.4% | 9.1% | 9.4% |
Computed from KFFB's annual financial statements (latest annual report filed September 28, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
KFFB valuation and financial ratios
At the end of fiscal 2026 (June 30, 2026), Kentucky First Federal Bancorp traded at 21.5 times earnings, against a 10-year median of 53.8. Based on the latest twelve months, the trailing P/E is 22.5 and the forward P/E is 46.1. Kentucky First Federal Bancorp earned a return on equity of 3.9% and a return on invested capital of 2.2% in fiscal 2026. It ended the year with $48.6 million of debt and $4.3 million in cash and short-term investments, net debt of $44.3 million. The share count fell 3.1% from 8.3M to 8.1M over 9 years.
See the KFFB income statement, the KFFB chart for price history, or the KFFB stock overview for the latest quote and news.
KFFB key metrics FAQ
What is Kentucky First Federal Bancorp's P/E ratio?
Kentucky First Federal Bancorp's trailing P/E ratio is 22.5 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 46.1. At the end of fiscal 2026 it was 21.5, compared with a 10-year median of 53.8.
What is Kentucky First Federal Bancorp's EV/EBITDA?
Kentucky First Federal Bancorp's enterprise value was 32.2 times EBITDA at the end of fiscal 2026 (enterprise value $85.4 million, EBITDA $2.7 million).
What is Kentucky First Federal Bancorp's return on equity?
Kentucky First Federal Bancorp's return on equity (ROE) was 3.9% in fiscal 2026: net income of $1.9 million on average shareholders' equity of $49.3 million.
What is Kentucky First Federal Bancorp's ROIC?
Kentucky First Federal Bancorp's return on invested capital was 2.2% in fiscal 2026, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Kentucky First Federal Bancorp have?
Kentucky First Federal Bancorp had total debt of $48.6 million at the end of fiscal 2026, a debt-to-equity ratio of 0.97 and $44.3 million of net debt (16.72 times EBITDA).
What is Kentucky First Federal Bancorp's free cash flow yield?
Kentucky First Federal Bancorp generated $1.1 million of free cash flow in fiscal 2026, a free cash flow yield of 2.7% on its market value at year-end ($41.1 million).
What is Kentucky First Federal Bancorp's current ratio?
Kentucky First Federal Bancorp's current ratio was 0.49 at the end of fiscal 2026: current assets were 0.49 times current liabilities.