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Kentucky First Federal Bancorp (KFFB)
NASDAQ:KFFB
US Market
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Kentucky First Federal Bancorp (KFFB) AI Stock Analysis

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KFFB

Kentucky First Federal Bancorp

(NASDAQ:KFFB)

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Neutral 52 (OpenAI - 4o)
Rating:52Neutral
Price Target:
$3.00
▼(-14.53% 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 (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 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
45
Neutral
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
50
Neutral
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
40
Negative
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue17.05M8.80M16.53M13.05M11.43M12.75M
Gross Profit8.82M8.80M7.22M9.04M9.73M10.42M
EBITDA173.00K0.00-1.73M1.48M2.35M2.46M
Net Income181.00K181.00K-1.72M933.00K1.59M1.82M
Balance Sheet
Total Assets371.21M371.21M374.97M349.02M328.08M338.06M
Cash, Cash Equivalents and Short-Term Investments29.41M29.41M27.23M19.58M21.48M16.93M
Total Debt42.76M42.76M68.99M70.09M34.07M56.87M
Total Liabilities322.84M322.84M326.97M298.31M276.06M285.77M
Stockholders Equity48.37M48.37M48.00M50.71M52.02M52.30M
Cash Flow
Free Cash Flow-263.00K0.00-1.52M1.02M2.49M1.48M
Operating Cash Flow-115.00K0.00-1.45M1.15M2.64M1.58M
Investing Cash Flow4.26M0.00-16.60M-39.48M13.33M-8.85M
Financing Cash Flow5.33M0.0028.18M20.68M-11.80M15.21M

Kentucky First Federal Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3.51
Price Trends
50DMA
3.30
Positive
100DMA
2.99
Positive
200DMA
2.97
Positive
Market Momentum
MACD
0.12
Negative
RSI
61.81
Neutral
STOCH
57.13
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 3.51 is above the 20-day moving average (MA) of 3.45, above the 50-day MA of 3.30, and above the 200-day MA of 2.97, indicating a bullish trend. The MACD of 0.12 indicates Negative momentum. The RSI at 61.81 is Neutral, neither overbought nor oversold. The STOCH value of 57.13 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 (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$48.40M13.093.36%4.10%6.06%
55
Neutral
$154.09M-0.14-66.89%-11.96%-500.26%
52
Neutral
$30.97M171.750.38%3.03%19.69%
49
Neutral
$13.29M428.040.16%2.18%8.99%-94.06%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
KFFB
Kentucky First Federal Bancorp
3.51
0.77
28.10%
ASRV
Ameriserv Financial
2.98
0.48
19.20%
CARV
Carver Bancorp
2.33
0.45
23.94%
GLBZ
Glen Burnie Bancorp
4.58
-1.10
-19.37%
PNBK
Patriot National Bancorp
1.30
-0.54
-29.35%
PBBK
PB Bankshares
19.37
4.15
27.27%
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: Jul 08, 2025