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Kentucky First Federal Bancorp (KFFB)
NASDAQ:KFFB
US Market

Kentucky First Federal Bancorp (KFFB) AI Stock Analysis

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KF

Kentucky First Federal Bancorp

(NASDAQ:KFFB)

Rating:49Neutral
Price Target:
$2.50
▼(-14.97%Downside)
The overall stock score reflects significant financial performance challenges, highlighted by negative profitability and cash flow issues. Technical analysis suggests some stability, but valuation concerns weigh heavily due to a negative P/E ratio. The absence of dividend yield and guidance from earnings calls further impacts investor confidence.

Kentucky First Federal Bancorp (KFFB) vs. SPDR S&P 500 ETF (SPY)

Kentucky First Federal Bancorp Business Overview & Revenue Model

Company DescriptionKentucky 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 MoneyKentucky 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
40
Negative
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
65
Positive
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
50
Neutral
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.
BreakdownTTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue13.72M16.53M9.16M9.16M10.61M9.72M
Gross Profit8.23M7.22M9.16M9.16M10.61M9.72M
EBITDA1.93M-1.73M1.48M2.35M2.17M-12.01M
Net Income-1.07M-1.72M933.00K1.07M1.82M-12.55M
Balance Sheet
Total Assets380.74M374.97M349.02M328.08M338.06M321.14M
Cash, Cash Equivalents and Short-Term Investments10.78M27.93M8.17M21.48M21.93M16.47M
Total Debt0.0068.99M70.09M34.07M56.87M54.72M
Total Liabilities332.58M326.97M70.09M276.06M285.77M269.23M
Stockholders Equity48.15M48.00M50.71M52.02M52.30M51.91M
Cash Flow
Free Cash Flow-390.00K-1.52M1.02M2.49M1.48M877.00K
Operating Cash Flow-287.00K-1.45M1.15M2.64M1.58M1.04M
Investing Cash Flow351.00K-16.60M-39.48M13.33M-8.85M243.00K
Financing Cash Flow12.27M28.18M20.68M-11.80M15.21M2.56M

Kentucky First Federal Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price2.94
Price Trends
50DMA
2.60
Positive
100DMA
2.79
Positive
200DMA
2.85
Positive
Market Momentum
MACD
0.07
Negative
RSI
67.09
Neutral
STOCH
64.80
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 2.94 is above the 20-day moving average (MA) of 2.69, above the 50-day MA of 2.60, and above the 200-day MA of 2.85, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 67.09 is Neutral, neither overbought nor oversold. The STOCH value of 64.80 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 Risk Analysis

Kentucky First Federal Bancorp disclosed 29 risk factors in its most recent earnings report. Kentucky First Federal Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Kentucky First Federal Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (58)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
$50.22M13.893.36%3.95%7.80%
58
Neutral
$12.53B5.19-2.71%5.24%5.88%-56.03%
50
Neutral
$124.63M-84.06%-10.46%-984.80%
49
Neutral
$23.78M-2.21%3.03%22.56%-78.84%
$8.73M-38.24%
48
Neutral
$15.17M393.230.21%7.65%13.95%-96.19%
$44.23M21.054.00%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
KFFB
Kentucky First Federal Bancorp
2.94
-0.14
-4.55%
ASRV
Ameriserv Financial
3.02
0.72
31.30%
CARV
Carver Bancorp
1.75
0.36
25.90%
GLBZ
Glen Burnie Bancorp
5.23
1.32
33.76%
PNBK
Patriot National Bancorp
1.47
-0.28
-16.00%
PBBK
PB Bankshares
17.30
2.95
20.56%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 22, 2025