StockData

Kentucky First Federal Bancorp (KFFB) stock analysis

KFFBNasdaqSavings Institution, Federally CharteredFiscal year ends June 30
Financials through Q4 FY2026, quarter ended Jun 30, 2026Last filing: 10-K on Sep 28, 2026Score 8/30
$5.87+0.09 (+1.62%)

Close on Nov 11, 2026Market cap $47.50MP/E –Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth3Performance2Health1Dividend1

Weak8 of 30 checks passed

Kentucky First Federal Bancorp passes 8 of the 30 checks behind our score; 11 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
3/6
Past performance
2/6
Financial health
1/6
Dividend
1/6

What stands out

  • Earnings grew over 5 years

    Net income grew 1.0% a year on average over the last five fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 29.7% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 955% over the last twelve months, against a 5-year average of 1.0% a year.

  • Well capitalized

    Equity is 13.9% of total assets; 8% or more is a comfortable cushion.

What to watch

  • Return on equity under 15%

    Return on equity was 3.9% over the last twelve months and averaged 1.1% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew 8.6% a year over the last three fiscal years, short of the 10% we look for.

  • Dividend was cut

    The dividend per share fell by more than 10% at least once in the last 8 fiscal years.

  • P/S above the industry

    Kentucky First Federal Bancorp's price-to-sales of 4.05 is above the Savings Institutions median of 3.77.

Valuation1/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S above the industry

    Kentucky First Federal Bancorp's price-to-sales of 4.05 is above the Savings Institutions median of 3.77.

  • P/B below the industry

    Kentucky First Federal Bancorp's price-to-book of 0.94 is below the Savings Institutions median of 1.04.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth3/6

  • Revenue growing under 10% a year

    Revenue grew 8.6% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 29.7% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 955% over the last twelve months, against a 5-year average of 1.0% a year.

  • Growing faster than the industry

    Revenue grew 32.8% over the last twelve months; the Savings Institutions median is 9.0%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance2/6

  • Return on equity under 15%

    Return on equity was 3.9% over the last twelve months and averaged 1.1% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.5%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Kentucky First Federal Bancorp's return on equity of 3.9% is below the Savings Institutions median of 6.1%.

  • Earnings grew over 5 years

    Net income grew 1.0% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 16.3% over the last twelve months, against a 5-year average of 1.2%.

  • Net margin below the industry

    Kentucky First Federal Bancorp's net margin of 16.3% is below the Savings Institutions median of 20.3%.

Financial health1/6

  • Well capitalized

    Equity is 13.9% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • High cost base

    Non-interest expense takes 76.7% of revenue; under 60% is efficient for a bank.

  • Deposits shrinking

    Deposits fell 6.0% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend1/6

  • Pays a dividend

    Kentucky First Federal Bancorp paid dividends worth 0.9% of the share price over the last twelve months.

  • Yield below Treasuries

    The 0.9% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Kentucky First Federal Bancorp yields 0.9%.

  • Dividend was cut

    The dividend per share fell by more than 10% at least once in the last 8 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Kentucky First Federal Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Savings Institutions median 13.7

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$47.15K
Value traded per 1% price move
$7.13K

Downside

Low risk

Typical loss in a bad month
10.2%
Volatility (annualized)
57%
Sharpe ratio, 1 year
0.69
Beta to the S&P 500 (5Y)
-0.13

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2012 to 2026

Net margin

16.3%

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