KFFBNasdaqSavings Institution, Federally CharteredFiscal year ends June 30
Kentucky First Federal Bancorp
Financials through Q3 FY2026, quarter ended Mar 31, 2026Last filing: 10-K on Sep 28, 2026
$5.21−0.19 (-3.52%)
Close on Oct 19, 2026
- Market cap
- $42.13M
- P/E (TTM)
- 260.5
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
2.0%
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +22.0% | – | – | -2.6% | |
| Net income | – | -51.5% | – | -21.6% | |
| EPS, diluted | – | -52.8% | – | +55.0% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 2.2% | -21.2% | 0.4% | |
| Return on assets | 0.5% | -3.8% | 0.0% | |
| Capex to revenue | 10.4% | – | 1.7% | |
| Diluted shares | 8.33B | 8M | 8M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Kentucky First Federal Bancorp generated $6.91M from operations and spent $5.87M on capital expenditure, dividends and share buybacks. 10% of that went back into the business.
Generated
$6.91M
Used
$5.87M
Capital expenditure$594.00K10%Dividends$4.82M82%Share buybacks$461.00K8%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin2.0%
×Asset turnover0.02×
×Equity multiplier7.74×
=Return on equity, FY20250.4%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 2.0% | 0.02× | 7.74× | 0.4% |
| FY2024 | -23.8% | 0.02× | 7.33× | -3.5% |
| FY2023 | 10.2% | 0.03× | 6.59× | 1.8% |
| FY2019 | 5413.3% | 0.00× | 4.86× | 1.2% |
| FY2018 | 7782.4% | 0.00× | 4.67× | 2.0% |
| FY2017 | 4921.1% | 0.00× | 4.46× | 1.4% |
| FY2016 | 14.1% | 0.04× | 4.36× | 2.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$181.00K
- Cash generatingOperating cash flow above zero-$86.00K
- Return on assets improvedROA up on the prior year-0.5% → 0.0%
- Earnings backed by cashOperating cash flow above net income-$86.00K vs $181.00K
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.02 → 0.02