Kentucky First Federal Bancorp (KFFB) AI Stock Analysis

• Market Cap: $26.28M
• Dividend Yield: 3.03%
• Average Volume (3M): 5.02K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.15
• Revenue Growth: 22.56%
• EPS Growth: -78.84%
• Country: US
• Employees: 56
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): <0.01
• Shares Outstanding: 8,086,715
• 10 Day Avg. Volume: 2,984
• 30 Day Avg. Volume: 5,017
• PEG Ratio: -3.52
• Price to Book (P/B): 1.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 49.27
• Enterprise Value/Market Cap: 4.28
• Enterprise Value/Revenue: 2.46
• Enterprise Value/Gross Profit: 13.66
• Enterprise Value/Ebitda: -46.28
• 1Y Price Target: $2.50
• Price Target Upside: -23.08% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 52 Neutral
• Price Target: $3.00 ▼(-7.69%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 challenges in profitability and cash flow management. The balance sheet is strong due to an equity-heavy structure, but the company struggles with consistent revenue and positive cash flow generation, highlighting risks in stability and growth.

Income Statement

Kentucky First Federal Bancorp's TTM revenue shows a significant decline compared to the previous year, with a negative net income indicating profitability challenges. The absence of EBITDA figures for the TTM further complicates profitability analysis.

Balance Sheet

The company maintains a strong equity position with no current debt, reflected in an improving equity ratio. However, the decline in stockholders' equity and inconsistent ROE across periods suggests volatility in financial stability.

Cash Flow

The cash flow analysis shows negative operating and free cash flow, indicating potential liquidity issues. Despite strong financing cash flows, the lack of consistent positive free cash flow growth is concerning.

Breakdown	TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	13.72M	16.53M	9.16M	9.16M	10.61M	9.72M
Gross Profit	8.23M	7.22M	9.16M	9.16M	10.61M	9.72M
EBITDA	1.93M	-1.73M	1.48M	2.35M	2.17M	-12.01M
Net Income	-1.07M	-1.72M	933.00K	1.07M	1.82M	-12.55M
Balance Sheet
Total Assets	380.74M	374.97M	349.02M	328.08M	338.06M	321.14M
Cash, Cash Equivalents and Short-Term Investments	10.78M	27.93M	8.17M	21.48M	21.93M	16.47M
Total Debt	0.00	68.99M	70.09M	34.07M	56.87M	54.72M
Total Liabilities	332.58M	326.97M	70.09M	276.06M	285.77M	269.23M
Stockholders Equity	48.15M	48.00M	50.71M	52.02M	52.30M	51.91M
Cash Flow
Free Cash Flow	-390.00K	-1.52M	1.02M	2.49M	1.48M	877.00K
Operating Cash Flow	-287.00K	-1.45M	1.15M	2.64M	1.58M	1.04M
Investing Cash Flow	351.00K	-16.60M	-39.48M	13.33M	-8.85M	243.00K
Financing Cash Flow	12.27M	28.18M	20.68M	-11.80M	15.21M	2.56M

Kentucky First Federal Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.25
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 3.25 is above the 20-day moving average (MA) of 2.98, above the 50-day MA of 2.74, and above the 200-day MA of 2.87, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 66.55 is Neutral, neither overbought nor oversold. The STOCH value of 91.67 is Negative, 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
Sector *	70 Neutral	€15.46B	11.89	14.88%	5.79%	7.27%	0.39%
ASRV	66 Neutral	$48.90M	13.80	3.26%	4.05%	6.06%	―
KFFB	52 Neutral	$26.28M	―	-2.21%	3.03%	22.56%	-78.84%
CARV	―	$12.94M	―	-38.24%	―	―	―
GLBZ	52 Neutral	$13.78M	384.21	0.21%	7.83%	13.95%	-96.19%
PNBK	50 Neutral	$130.57M	―	-84.06%	―	-10.46%	-984.80%
PBBK	―	$46.94M	19.68	9.44%	―	―	―