Kentucky First Federal Bancorp (KFFB) AI Stock Analysis

• Market Cap: $32.23M
• Dividend Yield: N/A
• Average Volume (3M): 28.24K
• Price to Earnings (P/E): 178.7
• Beta (1Y): 0.15
• Revenue Growth: 15.56%
• EPS Growth: N/A
• Country: US
• Employees: 56
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.04
• Shares Outstanding: 8,086,715
• 10 Day Avg. Volume: 79,943
• 30 Day Avg. Volume: 28,242
• PEG Ratio: -1.18
• Price to Book (P/B): 0.49
• Price to Sales (P/S): 2.68
• P/FCF Ratio: -100.29
• Enterprise Value/Market Cap: 1.99
• Enterprise Value/Revenue: 6.47
• Enterprise Value/Gross Profit: 14.54
• Enterprise Value/Ebitda: 453.80
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 52 Neutral
• Price Target: $3.00 ▼(-28.57% Downside)

The overall stock score is primarily influenced by the financial performance, which indicates significant challenges in revenue growth and profitability. Technical analysis shows positive price trends, but valuation concerns arise due to a high P/E ratio. The lack of dividend yield further impacts the valuation score. Earnings call and corporate events were not factored into the score due to lack of data.

Positive Factors

Community Partnerships

Strong community partnerships can drive customer loyalty and retention, providing a stable revenue base and enhancing local market presence.

Interest Income

A focus on interest income from loans provides a steady revenue stream, crucial for long-term financial stability in a banking environment.

Moderate Leverage

Manageable leverage indicates financial stability, allowing the company to invest in growth opportunities without excessive risk.

Negative Factors

Revenue Decline

Declining revenue suggests challenges in market demand or competitive positioning, potentially impacting long-term profitability.

Profitability Challenges

Extremely low profitability indicates operational inefficiencies, which could hinder the company's ability to reinvest in growth and innovation.

Cash Flow Volatility

Volatile cash flow can strain financial resources, limiting the company's ability to fund operations and strategic initiatives effectively.

Kentucky First Federal Bancorp Business Overview & Revenue Model

Company Description

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. that provide various banking products and services in Kentucky. The company accepts deposit products include passbook savings and certificate accounts, checking accounts, and individual retirement accounts. Its loan portfolio comprises one-to four-family residential mortgage loans; construction loans; mortgage loans secured by multi-family property; nonresidential loans that are secured by commercial office buildings, churches, and properties used for other purposes; commercial non-mortgage loans; and consumer loans, such as home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured or personal loans. The company also invests in mortgage-backed securities. It operates through seven banking offices. The company was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp is a subsidiary of First Federal MHC.

How the Company Makes Money

Kentucky First Federal Bancorp generates revenue primarily through interest income from loans and mortgages, as well as fees from banking services. The company's main revenue streams include interest earned on various types of loans, such as residential mortgages and commercial loans, alongside service fees from account maintenance, overdrafts, and transaction services. Additionally, KFFB may earn income from investment securities and other financial products. The bank's profitability is influenced by the interest rate environment, loan demand, and operational efficiency. Partnerships with local businesses and community organizations also play a crucial role in enhancing customer acquisition and retention, thereby contributing to the bank's overall earnings.

Kentucky First Federal Bancorp Financial Statement Overview

Summary

Kentucky First Federal Bancorp faces challenges in revenue growth and profitability, as reflected in its income statement. The balance sheet shows moderate leverage but low returns on equity, while cash flow analysis highlights significant volatility and management concerns. Overall, the financial statements suggest a need for strategic improvements to enhance financial performance and stability.

Income Statement

The income statement shows a declining revenue trend with a negative revenue growth rate of -12.32% in the TTM period. Gross profit margin is moderate at 43.66%, but net profit margin is extremely low at 0.03%. The EBIT and EBITDA margins are also low, indicating challenges in operational efficiency. Overall, the income statement reflects a struggling revenue environment with limited profitability.

Balance Sheet

The balance sheet indicates a moderate debt-to-equity ratio of 0.88, suggesting manageable leverage. However, the return on equity is low at 1.12%, indicating limited profitability relative to equity. The equity ratio is not provided, but the overall balance sheet suggests stability with some room for improvement in profitability.

Cash Flow

Cash flow analysis reveals a significant decline in free cash flow growth at -791.06% in the TTM period, indicating cash flow challenges. The operating cash flow to net income ratio is not favorable, and while the free cash flow to net income ratio is high at 2.29, it reflects volatility rather than strength. Overall, cash flow management appears to be a concern.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	9.88M	0.00	16.53M	13.05M	11.43M	12.75M
Gross Profit	4.40M	0.00	7.22M	9.04M	9.73M	10.42M
EBITDA	141.00K	0.00	-1.73M	1.48M	2.35M	2.46M
Net Income	20.00K	0.00	-1.72M	933.00K	1.59M	1.82M
Balance Sheet
Total Assets	366.49M	372.16M	374.97M	349.02M	328.08M	338.06M
Cash, Cash Equivalents and Short-Term Investments	0.00	0.00	27.23M	19.58M	21.48M	16.93M
Total Debt	43.78M	42.76M	68.99M	70.09M	34.07M	56.87M
Total Liabilities	317.71M	323.79M	326.97M	298.31M	276.06M	285.77M
Stockholders Equity	48.78M	48.37M	48.00M	50.71M	52.02M	52.30M
Cash Flow
Free Cash Flow	1.17M	-235.00K	-1.52M	1.02M	2.49M	1.48M
Operating Cash Flow	1.32M	-86.00K	-1.45M	1.15M	2.64M	1.58M
Investing Cash Flow	5.91M	6.12M	-16.60M	-39.48M	13.33M	-8.85M
Financing Cash Flow	-5.02M	-4.84M	28.18M	20.68M	-11.80M	15.21M

Kentucky First Federal Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.20
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KFFB, the sentiment is Positive. The current price of 4.2 is above the 20-day moving average (MA) of 4.20, above the 50-day MA of 3.94, and above the 200-day MA of 3.18, indicating a bullish trend. The MACD of 0.12 indicates Positive momentum. The RSI at 51.32 is Neutral, neither overbought nor oversold. The STOCH value of 11.45 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KFFB.

Kentucky First Federal Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	78 Outperform	$48.61M	10.75	8.21%	3.40%	0.32%	37.93%
OPHC	72 Outperform	$47.30M	3.13	15.03%	―	14.91%	0.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BAFN	54 Neutral	$35.76M	-2.78	-11.14%	4.04%	1.63%	-508.72%
KFFB	52 Neutral	$32.23M	178.70	1.11%	―	15.56%	―
GLBZ	46 Neutral	$13.60M	521.11	0.09%	―	5.76%	-72.73%

Kentucky First Federal Bancorp Corporate Events

Kentucky First Federal Bancorp Faces Dividend Challenges Amid Regulatory Hurdles

The expiration of previous approvals from the Federal Reserve Board for First Federal MHC to waive dividends poses a significant risk to Kentucky First Federal Bancorp’s future dividend payments. Without securing new approvals, the company may face challenges in distributing dividends to its shareholders, potentially affecting shareholder satisfaction and investment attractiveness. The uncertainty surrounding the ability to obtain both regulatory and member approvals for future dividend waivers adds to the financial risk, as it could lead to reduced dividend payouts. This situation underscores the importance of navigating regulatory requirements and member agreements to maintain financial stability and shareholder value.

Kentucky First Federal Bancorp Delays Yearly Report

Kentucky First Federal Bancorp has announced a delay in filing its Form 10-K (Yearly Report) for the financial period ending June 30, 2025. The delay is primarily due to the need for additional time to complete the audit documentation of the company’s consolidated financial statements, in collaboration with their independent accounting firm, Clark, Schaefer, Hackett & Co. The company anticipates filing the report within a 15-day extension period as allowed by the Securities Exchange Act. Financially, Kentucky First Federal Bancorp has reported a net earnings increase to $181,000, a significant improvement from the previous year’s net loss of $1.7 million. This change is attributed to increased net interest income and decreased non-interest expenses, notably the absence of a goodwill impairment charge from the prior year. The company is actively working on compliance and the notification is signed by Don Jennings, President and CEO.

The most recent analyst rating on (KFFB) stock is a Hold with a $3.00 price target. To see the full list of analyst forecasts on Kentucky First Federal Bancorp stock, see the KFFB Stock Forecast page.