Kentucky First Federal Bancorp (KFFB) AI Stock Analysis

• Market Cap: $35.95M
• Dividend Yield: N/A
• Average Volume (3M): 28.24K
• Price to Earnings (P/E): 31.0
• 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): 1.20
• P/FCF Ratio: -100.29
• Enterprise Value/Market Cap: 2.35
• Enterprise Value/Revenue: 4.10
• Enterprise Value/Gross Profit: 8.39
• Enterprise Value/Ebitda: 71.63
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 54 Neutral
• Price Target: $4.50 ▲(1.12% Upside)
• Action: Reiterated Date: 02/21/26
• Date: Action: Reiterated 02/21/26

The score is held back mainly by weak cash flow quality and only modest, volatile profitability despite improved leverage. Technicals are supportive with a clear uptrend and positive momentum, and the exit from a regulatory enforcement agreement is a meaningful positive. Valuation remains a headwind due to a very high P/E.

Positive Factors

Regulatory relief: exit of OCC written agreement

Termination of the OCC written agreement removes formal “troubled condition” status and linked minimum capital constraints, granting durable operating flexibility. This reduces regulatory drag, lowers compliance burden and enables management to redeploy capital toward lending and strategic initiatives over coming months.

Negative Factors

Weak cash generation and negative free cash flow

Near‑zero operating cash flow and persistent negative free cash flow constrain the bank’s ability to fund growth, build capital buffers, or return capital to shareholders without external financing. This structural cash weakness reduces resilience and strategic optionality over the next 2–6 months.

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 ...

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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 ...

How the Company Makes Money

KFFB primarily makes money through its subsidiary savings and loan association by earning interest and fee-based income from traditional banking activities. The key revenue stream is net interest income: the bank collects interest on loans and inv...

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KFFB primarily makes money through its subsidiary savings and loan association by earning interest and fee-based income from traditional banking activities. The key revenue stream is net interest income: the bank collects interest on loans and inv...

Kentucky First Federal Bancorp Financial Statement Overview

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	20.56M	19.65M	16.53M	13.05M	11.43M	12.75M
Gross Profit	10.06M	8.71M	7.22M	9.04M	9.73M	10.42M
EBITDA	1.18M	439.00K	-1.73M	1.48M	2.35M	2.46M
Net Income	831.00K	181.00K	-1.72M	933.00K	1.59M	1.82M
Balance Sheet
Total Assets	375.28M	372.16M	374.97M	349.02M	328.08M	338.06M
Cash, Cash Equivalents and Short-Term Investments	13.51M	0.00	27.23M	19.58M	21.48M	16.93M
Total Debt	51.45M	42.76M	68.99M	70.09M	34.07M	56.87M
Total Liabilities	326.18M	323.79M	326.97M	298.31M	276.06M	285.77M
Stockholders Equity	49.10M	48.37M	48.00M	50.71M	52.02M	52.30M
Cash Flow
Free Cash Flow	-114.00K	-235.00K	-1.52M	1.02M	2.49M	1.48M
Operating Cash Flow	21.00K	-86.00K	-1.45M	1.15M	2.64M	1.58M
Investing Cash Flow	-1.17M	6.12M	-16.60M	-39.48M	13.33M	-8.85M
Financing Cash Flow	-156.00K	-4.84M	28.18M	20.68M	-11.80M	15.21M

Kentucky First Federal Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.45
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• 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 4.45 is below the 20-day moving average (MA) of 4.53, below the 50-day MA of 4.62, and above the 200-day MA of 3.93, indicating a neutral trend. The MACD of -0.08 indicates Positive momentum. The RSI at 47.92 is Neutral, neither overbought nor oversold. The STOCH value of 44.98 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
HFBL	78 Outperform	$53.81M	8.12	9.28%	3.21%	0.32%	37.93%
OPHC	78 Outperform	$61.20M	3.00	14.54%	―	14.91%	0.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	54 Neutral	$35.95M	30.97	1.71%	―	15.56%	―
BAFN	46 Neutral	$27.77M	-1.41	-23.19%	4.10%	1.63%	-508.72%
GLBZ	44 Neutral	$13.87M	-427.49	0.09%	―	5.76%	-72.73%

Kentucky First Federal Bancorp Corporate Events