KFFB · Kentucky First Federal Bancorp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | $48.0K | - | - | $53.0K | - | - | $59.0K | - |
| Operating Income | $755.0K | $401.0K | $453.0K | $6.0K | $15.0K | ($21.0K) | ($455.0K) | ($145.0K) | ($244.0K) | $487.0K |
| Interest Expense | - | - | - | - | - | - | $2.27M | $2.41M | $2.06M | $683.0K |
| Income Tax | $174.0K | $97.0K | $109.0K | ($7.0K) | $8.0K | ($6.0K) | ($94.0K) | ($38.0K) | ($69.0K) | $113.0K |
| Net Income | $581.0K | $304.0K | $344.0K | $13.0K | $7.0K | ($15.0K) | ($361.0K) | ($107.0K) | ($175.0K) | $374.0K |
| EPS - Basic | $0.07 | $0.04 | $0.04 | $0.00 | $0.00 | $0.00 | ($0.05) | ($0.01) | ($0.02) | $0.06 |
| EPS - Diluted | $0.07 | $0.04 | $0.04 | $0.00 | $0.00 | $0.00 | ($0.05) | ($0.01) | ($0.02) | $0.04 |
Balance Sheet
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $21.30M | $19.67M | $14.63M | $19.48M | $27.75M | $17.27M | $18.29M | $15.42M | $12.59M | $8.17M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $374.54M | $375.28M | $366.49M | $371.21M | $380.74M | $375.65M | $374.97M | $369.10M | $356.78M | $349.02M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $324.88M | $326.18M | $317.71M | $322.84M | $332.58M | $327.43M | $326.97M | $320.09M | $307.13M | $298.31M |
| Stockholders' Equity | $49.66M | $49.10M | $48.78M | $48.37M | $48.15M | $48.22M | $48.00M | $49.01M | $50.71M | $50.71M |
| Retained Earnings | $18.73M | $18.15M | $17.85M | $17.51M | $17.33M | $17.31M | $17.32M | $18.40M | $19.21M | $20.13M |
Cash Flow
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | $450.0K | - | - | ($1.41M) | - | - | ($570.0K) | - |
| Investing Cash Flow | - | - | ($502.0K) | - | - | $213.0K | - | - | ($3.54M) | - |
| Financing Cash Flow | - | - | ($4.80M) | - | - | $176.0K | - | - | $8.53M | - |
| CapEx | - | - | $5.0K | - | - | $2.0K | - | - | $21.0K | - |
| Free Cash Flow | - | - | $445.0K | - | - | ($1.41M) | - | - | ($591.0K) | - |
Ratios
| Metric | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | 1.29 | - | - | 93.93 | - | - | 3.38 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 23.0% | 24.2% | 24.1% | -116.7% | 53.3% | - | - | - | - | 23.2% |
| Return on assets | 0.2% | 0.1% | 0.1% | 0.0% | 0.0% | -0.0% | -0.1% | -0.0% | -0.0% | 0.1% |
| Return on equity | 1.2% | 0.6% | 0.7% | 0.0% | 0.0% | -0.0% | -0.8% | -0.2% | -0.3% | 0.7% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | -0.2x | -0.1x | -0.1x | 0.7x |
| Equity multiplier | 7.54 | 7.64 | 7.51 | 7.67 | 7.91 | 7.79 | 7.81 | 7.53 | 7.04 | 6.88 |
| Liabilities / Assets | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.86 | 0.85 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 61.4x | 116.3x | 89.5x | - | - | - | - | - | - | 155.3x |
| P / B | 0.7x | 0.8x | 0.6x | 0.5x | 0.5x | 0.5x | 0.5x | 0.6x | 0.8x | 1.0x |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | 28.6x | - | - | 150.2x | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 4933.3% | 6583.3% | - | - | - | 91.4% | - | - | - | -9.6% |
| Net income growth (YoY) | 8200.0% | 2238.5% | - | - | - | 91.4% | - | - | - | -22.4% |
| EPS growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| EPS CAGR (3y) | 51.8% | 0.0% | -7.2% | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | -138.4% | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 3.1% | 1.5% | 1.2% | 0.8% | -1.8% | -4.9% | -5.4% | -4.2% | -1.8% | -2.5% |
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing Kentucky First Federal Bancorp against the 5 most active filers in the same SIC group.
Dividends
$0.00/share trailing 12 months
| Ex-date | Per share |
|---|---|
| Oct 30, 2023 | $0.1000 |
| Jul 28, 2023 | $0.1000 |
| Apr 27, 2023 | $0.1000 |
| Jan 30, 2023 | $0.1000 |
| Oct 28, 2022 | $0.1000 |
| Jul 28, 2022 | $0.1000 |
| Apr 28, 2022 | $0.1000 |
| Jan 28, 2022 | $0.1000 |
| Oct 28, 2021 | $0.1000 |
| Jul 29, 2021 | $0.1000 |
| Apr 29, 2021 | $0.1000 |
| Jan 28, 2021 | $0.1000 |
| Oct 29, 2020 | $0.1000 |
| Jul 30, 2020 | $0.1000 |
| Apr 29, 2020 | $0.1000 |
| Jan 30, 2020 | $0.1000 |
| Oct 30, 2019 | $0.1000 |
| Jul 30, 2019 | $0.1000 |
| Apr 29, 2019 | $0.1000 |
| Jan 30, 2019 | $0.1000 |
| Oct 30, 2018 | $0.1000 |
| Jul 30, 2018 | $0.1000 |
| Apr 27, 2018 | $0.1000 |
| Jan 30, 2018 | $0.1000 |