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5.01%
Kentucky first federal bancorp
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
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.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Kentucky first federal bancorp (KFFB) covers the period of 2026Q2 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating KFFB's short-term business performance and financial health. For the latest updates on KFFB's earnings releases, visit this page regularly.
According to historical valuation range analysis, Kentucky first federal bancorp (KFFB)'s current price-to-earnings (P/E) ratio is 46.76, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Kentucky first federal bancorp (KFFB) reported an Operating Profit of 635K with an Operating Margin of 22.49% this period, representing a growth of 294.41% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Kentucky first federal bancorp (KFFB) announced revenue of 2.82M, with a Year-Over-Year growth rate of 27.84%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Kentucky first federal bancorp (KFFB) held Total Cash and Cash Equivalents of 19.67M, accounting for 0.05 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Kentucky first federal bancorp (KFFB) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 22.49%%, and net margin of 10.8%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess KFFB's profit trajectory and future growth potential.
Kentucky first federal bancorp (KFFB)'s Free Cash Flow (FCF) for the period is -367K, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 126.87% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Kentucky first federal bancorp (KFFB) has a Price-To-Earnings (PE) ratio of 46.76 and a Price/Earnings-To-Growth (PEG) ratio of -2.63. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.