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: 15.71%
• 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: 0.00
• Enterprise Value/Market Cap: 1.99
• Enterprise Value/Revenue: 4.37
• Enterprise Value/Gross Profit: 10.01
• Enterprise Value/Ebitda: 369.86
• 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 ▼(-26.83% Downside)

The overall stock score reflects significant financial challenges, including negative profitability and cash flow issues, which weigh heavily on the score. While technical indicators suggest some positive momentum, the negative P/E ratio and lack of a dividend yield further impact the score negatively. Investors should be cautious due to the company's operational inefficiencies and financial instability.

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 the interest income it earns from its lending activities. The company offers various types of loans, such as residential mortgage loans, consumer loans, and commercial loans, and charges interest on these loans, which constitutes a significant portion of its income. Additionally, KFFB earns money from fees and service charges associated with deposit accounts and other banking services. The spread between the interest earned on loans and the interest paid on deposits and borrowings is a crucial factor in its profitability. The company may also engage in investment activities to earn returns on its capital reserves, contributing further to its revenue streams.

Kentucky First Federal Bancorp Financial Statement Overview

Summary

Kentucky First Federal Bancorp faces multiple financial challenges. Income and cash flow statements reveal negative profits and cash generation issues, while the balance sheet shows increased leverage. The company needs to address operational inefficiencies and manage its debt to improve financial stability.

Income Statement

The income statement of Kentucky First Federal Bancorp reveals declining financial health. Gross profit margin is positive but has decreased from previous years. The net profit margin is negative, indicating losses. Revenue growth is positive in the latest period, but the company has experienced volatility in EBIT and EBITDA margins, moving from profits to losses, suggesting operational challenges.

Balance Sheet

The balance sheet shows a moderate level of financial health. The debt-to-equity ratio has increased, indicating higher leverage, which could be a risk. The equity ratio is stable but has shown slight declines. Return on equity is negative, reflecting current profitability issues.

Cash Flow

Kentucky First Federal Bancorp's cash flow statement indicates stress with negative free cash flow and a decrease in operating cash flow. The free cash flow to net income ratio is concerning, reflecting challenges in converting profits into cash. The company needs to improve its cash generation capabilities.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	14.64M	8.80M	16.53M	13.05M	11.43M	12.75M
Gross Profit	6.39M	8.80M	7.22M	9.04M	9.73M	10.42M
EBITDA	173.00K	0.00	-1.73M	1.48M	2.35M	2.46M
Net Income	5.00K	181.00K	-1.72M	933.00K	1.59M	1.82M
Balance Sheet
Total Assets	371.21M	371.21M	374.97M	349.02M	328.08M	338.06M
Cash, Cash Equivalents and Short-Term Investments	29.41M	29.41M	27.23M	19.58M	21.48M	16.93M
Total Debt	42.76M	42.76M	68.99M	70.09M	34.07M	56.87M
Total Liabilities	322.84M	322.84M	326.97M	298.31M	276.06M	285.77M
Stockholders Equity	48.37M	48.37M	48.00M	50.71M	52.02M	52.30M
Cash Flow
Free Cash Flow	-263.00K	0.00	-1.52M	1.02M	2.49M	1.48M
Operating Cash Flow	-115.00K	0.00	-1.45M	1.15M	2.64M	1.58M
Investing Cash Flow	4.26M	0.00	-16.60M	-39.48M	13.33M	-8.85M
Financing Cash Flow	5.33M	0.00	28.18M	20.68M	-11.80M	15.21M

Kentucky First Federal Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.10
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 4.1 is above the 20-day moving average (MA) of 3.84, above the 50-day MA of 3.68, and above the 200-day MA of 3.11, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 58.38 is Neutral, neither overbought nor oversold. The STOCH value of 63.47 is Neutral, 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
OPHC	74 Outperform	$47.30M	3.13	15.03%	―	25.77%	12.09%
HFBL	72 Outperform	$48.61M	10.75	8.21%	3.32%	0.32%	37.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BAFN	54 Neutral	$35.76M	-2.78	-11.14%	3.84%	1.41%	-508.14%
KFFB	52 Neutral	$32.23M	178.70	1.11%	―	15.71%	―
GLBZ	46 Neutral	$13.60M	521.11	0.13%	―	5.76%	-72.73%