NASDAQ : KFFB
Kentucky First Federal Bancorp — Financial statements
Financials · Banks - Regional · United States
Last price 5.397 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 43.64M
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Financial statements
Income statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 19.53M | 19.53M | 17.74M | 15.01M | 11.81M | 10.66M |
| Interest Income on Investments | 1.26M | 1.26M | 1.50M | 1.26M | 946.00K | 255.00K |
| Total Interest Income | 20.79M | 20.79M | 19.24M | 16.28M | 12.76M | 10.91M |
| Interest Paid on Deposits | 7.69M | 7.69M | 8.15M | 6.06M | 1.81M | 1.39M |
| Interest Paid on Borrowings | 1.99M | 1.99M | 2.75M | 3.22M | 2.09M | 367.00K |
| Total Interest Expense | 9.68M | 9.68M | 10.90M | 9.28M | 3.90M | 1.75M |
| Net Interest Income | 11.11M | 11.11M | 8.34M | 6.99M | 8.86M | 9.16M |
| Other Non-Interest Income | 320.00K | 320.00K | 299.00K | 237.00K | 287.00K | 295.00K |
| Total Non-Interest Income | 629.00K | 629.00K | 500.00K | 251.00K | 302.00K | 515.00K |
| Revenues Before Loan Losses | 11.74M | 11.74M | 8.84M | 7.25M | 9.16M | 9.68M |
| Provision for Loan Losses | 237.00K | 237.00K | 39.00K | 24.00K | 113.00K | -60.00K |
| Revenue | 11.50M | 11.50M | 8.80M | 7.22M | 9.04M | 9.73M |
| Salaries and Employee Benefits | 5.07M | 5.07M | 4.85M | 4.99M | 4.91M | 4.78M |
| Occupancy Expenses | 564.00K | 564.00K | 550.00K | 592.00K | 610.00K | 632.00K |
| Federal Deposit Insurance | 232.00K | 232.00K | 253.00K | 238.00K | 117.00K | 71.00K |
| Selling, General & Administrative | 2.34M | 2.34M | 2.17M | 1.60M | 1.25M | 1.26M |
| Other Non-Interest Expense | 738.00K | 738.00K | 662.00K | 725.00K | 825.00K | 826.00K |
| Total Non-Interest Expense | 9.00M | 9.00M | 8.56M | 8.23M | 7.82M | 7.67M |
| EBT Excluding Unusual Items | 2.50M | 2.50M | 238.00K | -1.01M | 1.23M | 2.07M |
| Pretax Income | 2.50M | 2.50M | 238.00K | -1.96M | 1.23M | 2.07M |
| Income Tax Expense | 595.00K | 595.00K | 57.00K | -239.00K | 294.00K | 477.00K |
| Net Income | 1.91M | 1.91M | 181.00K | -1.72M | 933.00K | 1.59M |
| Net Income to Common | 1.91M | 1.91M | 181.00K | -1.72M | 933.00K | 1.59M |
| Basic Shares Outstanding | 8.09M | 8.09M | 8.09M | 8.10M | 8.13M | 8.21M |
| Diluted Shares Outstanding | 8.09M | 8.09M | 8.09M | 8.10M | 8.13M | 8.21M |
| EPS (Basic) | 0.24 | 0.24 | 0.02 | -0.21 | 0.11 | 0.19 |
| EPS (Diluted) | 0.24 | 0.24 | 0.02 | -0.21 | 0.11 | 0.19 |
| Dividend Per Share | 0.10 | 0.40 | 0.40 | |||
| Effective Tax Rate | 23.76% | 23.76% | 23.95% | 23.96% | 23.08% |
Balance sheet
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 16.48M | 16.48M | 19.48M | 18.29M | 8.17M | 25.82M |
| Mortgage-Backed Securities | 11.04M | 11.04M | 9.93M | 9.86M | 12.35M | 10.82M |
| Total Investments | 11.04M | 11.04M | 9.93M | 9.86M | 12.35M | 10.82M |
| Gross Loans | 321.69M | 321.69M | 329.42M | 335.15M | 315.44M | 276.11M |
| Allowance for Loan Losses | -2.26M | -2.26M | -2.17M | -2.13M | -1.63M | -1.53M |
| Net Loans | 319.43M | 319.43M | 327.25M | 333.02M | 313.81M | 274.58M |
| Property, Plant & Equipment | 4.14M | 4.14M | 4.21M | 4.27M | 4.43M | 4.56M |
| Goodwill | 947.00K | 947.00K | ||||
| Loans Held for Sale | 1.19M | 1.19M | 877.00K | 110.00K | 152.00K | |
| Accrued Interest Receivable | 1.65M | 1.65M | 1.44M | 1.17M | 902.00K | 649.00K |
| Other Current Assets | 1.41M | 1.41M | 1.05M | 1.09M | 886.00K | 1.29M |
| Other Real Estate Owned & Foreclosed | 79.00K | 79.00K | 10.00K | 70.00K | 10.00K | |
| Other Long-Term Assets | 3.09M | 3.09M | 3.00M | 2.92M | 2.83M | 2.75M |
| Total Assets | 362.40M | 362.40M | 371.21M | 374.97M | 349.02M | 328.08M |
| Interest Bearing Deposits | 110.90M | 110.90M | 213.59M | 202.96M | 180.21M | 187.13M |
| Institutional Deposits | 116.74M | 116.74M | 34.60M | 21.00M | 14.70M | 13.10M |
| Non-Interest Bearing Deposits | 33.20M | 33.20M | 29.37M | 32.18M | 31.40M | 39.63M |
| Total Deposits | 260.83M | 260.83M | 277.56M | 256.14M | 226.31M | 239.86M |
| Current Income Taxes Payable | 96.00K | 96.00K | 63.00K | |||
| Accrued Interest Payable | 666.00K | 666.00K | 949.00K | 176.00K | 70.00K | 12.00K |
| Federal Home Loan Bank Debt, Long-Term | 48.59M | 48.59M | 42.76M | 68.99M | 70.09M | 34.07M |
| Long-Term Deferred Tax Liabilities | 37.00K | 37.00K | 30.00K | 113.00K | 513.00K | 889.00K |
| Other Long-Term Liabilities | 1.88M | 1.88M | 1.48M | 1.55M | 1.33M | 1.23M |
| Total Liabilities | 312.10M | 312.10M | 322.84M | 326.97M | 298.31M | 276.06M |
| Common Stock | 86.00K | 86.00K | 86.00K | 86.00K | 86.00K | 86.00K |
| Additional Paid-In Capital | 34.89M | 34.89M | 34.89M | 34.89M | 34.89M | 34.89M |
| Retained Earnings | 19.41M | 19.41M | 17.51M | 17.32M | 20.13M | 20.56M |
| Treasury Stock | -3.97M | -3.97M | -3.97M | -3.97M | -3.97M | -3.51M |
| Comprehensive Income & Other | -129.00K | -129.00K | -145.00K | -336.00K | -427.00K | -5.00K |
| Shareholders' Equity | 50.29M | 50.29M | 48.37M | 48.00M | 50.71M | 52.02M |
| Total Liabilities & Equity | 362.40M | 362.40M | 371.21M | 374.97M | 349.02M | 328.08M |
| Total Debt | 48.59M | 48.59M | 42.76M | 68.99M | 70.09M | 34.07M |
| Net Cash (Debt) | -32.11M | -32.11M | -23.28M | -50.70M | -61.92M | -8.24M |
| Net Cash Per Share | -3.97 | -3.97 | -2.88 | -6.26 | -7.61 | -1.00 |
| Filing Date Shares Outstanding | 8.09M | 8.09M | 8.09M | 8.09M | 8.09M | 8.15M |
| Total Common Shares Outstanding | 8.09M | 8.09M | 8.09M | 8.09M | 8.09M | 8.15M |
| Book Value Per Share | 6.22 | 6.22 | 5.98 | 5.94 | 6.27 | 6.38 |
| Tangible Book Value | 50.29M | 50.29M | 48.37M | 48.00M | 49.76M | 51.08M |
| Tangible Book Value Per Share | 6.22 | 6.22 | 5.98 | 5.94 | 6.15 | 6.26 |
Cash flow statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 1.91M | 1.91M | 181.00K | -1.72M | 933.00K | 1.59M |
| Depreciation & Amortization | 203.00K | 203.00K | 201.00K | 234.00K | 255.00K | 285.00K |
| Gain (Loss) on Sale of Assets | 3.00K | -8.00K | -10.00K | 35.00K | ||
| Gain (Loss) on Sale of Investments | -48.00K | -48.00K | -20.00K | -25.00K | -29.00K | 6.00K |
| Total Asset Writedown | 947.00K | |||||
| Provision for Credit Losses | 237.00K | 237.00K | 39.00K | 24.00K | 113.00K | -60.00K |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 1.00K | 1.00K | -566.00K | -96.00K | 157.00K | 1.41M |
| Accrued Interest Receivable | -210.00K | -210.00K | -269.00K | -267.00K | -253.00K | 45.00K |
| Change in Accounts Payable | 299.00K | 299.00K | -30.00K | 50.00K | 74.00K | -114.00K |
| Change in Income Taxes | 33.00K | 33.00K | 63.00K | |||
| Change in Other Net Operating Assets | -360.00K | -360.00K | 43.00K | -208.00K | 232.00K | -415.00K |
| Other Operating Activities | -225.00K | -225.00K | -270.00K | -379.00K | -332.00K | 99.00K |
| Operating Cash Flow | 1.25M | 1.25M | -86.00K | -1.45M | 1.15M | 2.64M |
| Capital Expenditures | -136.00K | -136.00K | -149.00K | -66.00K | -127.00K | -151.00K |
| Sale of Property, Plant and Equipment | 180.00K | |||||
| Investment in Securities | -1.04M | -1.04M | 207.00K | 2.64M | -2.08M | -10.08M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 7.64M | 7.64M | 5.81M | -19.64M | -39.34M | 23.51M |
| Other Investing Activities | 88.00K | 88.00K | 250.00K | 393.00K | 1.88M | |
| Investing Cash Flow | 6.55M | 6.55M | 6.12M | -16.60M | -39.48M | 13.33M |
| Long-Term Debt Issued | 42.16M | 42.16M | 15.12M | 84.88M | 135.30M | 9.00M |
| Long-Term Debt Repaid | -36.33M | -36.33M | -41.35M | -85.98M | -99.28M | -31.81M |
| Net Debt Issued (Repaid) | 5.83M | 5.83M | -26.23M | -1.10M | 36.02M | -22.81M |
| Repurchase of Common Stock | -461.00K | -540.00K | ||||
| Common Dividends Paid | -670.00K | -1.36M | -1.39M | |||
| Net Increase (Decrease) in Deposit Accounts | -16.73M | -16.73M | 21.42M | 29.83M | -13.55M | 13.01M |
| Other Financing Activities | 105.00K | 105.00K | -40.00K | 116.00K | 27.00K | -72.00K |
| Financing Cash Flow | -10.79M | -10.79M | -4.84M | 28.18M | 20.68M | -11.80M |
| Net Cash Flow | -3.00M | -3.00M | 1.19M | 10.12M | -17.66M | 4.17M |
| Free Cash Flow | 1.11M | 1.11M | -235.00K | -1.52M | 1.02M | 2.49M |
| Free Cash Flow Margin | 9.66% | 9.66% | -2.67% | -21.05% | 11.33% | 25.58% |
| Free Cash Flow Per Share | 0.14 | 0.14 | -0.03 | -0.19 | 0.13 | 0.30 |
| Cash Interest Paid | 9.96M | 9.96M | 10.90M | 9.18M | 3.84M | 1.76M |
| Cash Income Tax Paid | 715.00K | 715.00K | 15.00K | 125.00K | 290.00K | 550.00K |
Ratios
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 43.18M | 41.08M | 23.53M | 25.59M | 50.31M | 65.50M |
| Last Close Price | 5.34 | 5.04 | 2.89 | 3.13 | 5.93 | 7.18 |
| PE Ratio | 22.62 | 21.52 | 130.01 | 53.92 | 41.19 | |
| PS Ratio | 3.75 | 3.57 | 2.67 | 3.54 | 5.56 | 6.73 |
| PB Ratio | 0.86 | 0.82 | 0.49 | 0.53 | 0.99 | 1.26 |
| P/FCF Ratio | 38.87 | 36.98 | 49.08 | 26.30 | ||
| P/OCF Ratio | 34.63 | 32.94 | 43.67 | 24.80 | ||
| Debt / Equity Ratio | 0.97 | 0.97 | 0.88 | 1.44 | 1.38 | 0.66 |
| Debt / FCF Ratio | 43.74 | 43.74 | 68.38 | 13.68 | ||
| Net Debt / Equity Ratio | 0.64 | 0.64 | 0.48 | 1.06 | 1.22 | 0.16 |
| Net Debt / FCF Ratio | 28.90 | 28.90 | -99.06 | -33.36 | 60.41 | 3.31 |
| Return on Equity (ROE) | 3.87% | 3.87% | 0.38% | -3.49% | 1.82% | 3.05% |
| Return on Assets (ROA) | 0.52% | 0.52% | 0.05% | -0.47% | 0.28% | 0.48% |
| Earnings Yield | 4.42% | 4.65% | 0.77% | -6.73% | 1.85% | 2.43% |
| FCF Yield | 2.57% | 2.70% | -1.00% | -5.94% | 2.04% | 3.80% |
| Dividend Yield | 3.74% | 3.16% | 6.43% | 4.98% | ||
| Payout Ratio | 21.18% | 146.09% | 87.67% | |||
| Buyback Yield / Dilution | 0.15% | 0.40% | 1.00% | 0.03% | ||
| Total Shareholder Return | 3.74% | 0.15% | 3.56% | 7.43% | 5.01% |