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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $201.0K | $234.0K | $255.0K | $285.0K | $288.0K | $277.0K |
| Operating Income | $238.0K | ($1.96M) | $1.23M | $2.07M | $2.17M | ($12.28M) |
| Interest Expense | - | - | $3.90M | $1.75M | $2.14M | $3.50M |
| Income Tax | $57.0K | ($239.0K) | $294.0K | $477.0K | $352.0K | $264.0K |
| Net Income | $181.0K | ($1.72M) | $933.0K | $1.59M | $1.82M | ($12.55M) |
| EPS - Basic | $0.02 | ($0.21) | $0.11 | $0.22 | - | - |
| EPS - Diluted | $0.02 | ($0.21) | $0.11 | $0.19 | - | - |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $19.48M | $18.29M | $8.17M | $25.82M | $21.65M | $13.70M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $371.21M | $374.97M | $349.02M | $328.08M | $338.06M | $321.14M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $322.84M | $326.97M | $298.31M | $276.06M | $285.77M | $269.23M |
| Stockholders' Equity | $48.37M | $48.00M | $50.71M | $52.02M | $52.30M | $51.91M |
| Retained Earnings | $17.51M | $17.32M | $20.13M | $20.56M | $20.36M | $19.93M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | ($86.0K) | ($1.45M) | $1.15M | $2.64M | $1.58M | $1.04M |
| Investing Cash Flow | $6.12M | ($16.60M) | ($39.48M) | $13.33M | ($8.85M) | $243.0K |
| Financing Cash Flow | ($4.84M) | $28.18M | $20.68M | ($11.80M) | $15.21M | $2.56M |
| CapEx | $149.0K | $66.0K | $127.0K | $101.0K | $101.0K | $165.0K |
| Free Cash Flow | ($235.0K) | ($1.52M) | $1.02M | $2.54M | $1.48M | $877.0K |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | -1.30 | 0.88 | 1.10 | 1.60 | 0.81 | -0.07 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 23.9% | - | 24.0% | 23.1% | 16.2% | - |
| Return on assets | 0.0% | -0.5% | 0.3% | 0.5% | 0.5% | -3.9% |
| Return on equity | 0.4% | -3.6% | 1.8% | 3.1% | 3.5% | -24.2% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.3x | 1.2x | 1.0x | -3.5x |
| Equity multiplier | 7.67 | 7.81 | 6.88 | 6.31 | 6.46 | 6.19 |
| Liabilities / Assets | 0.87 | 0.87 | 0.85 | 0.84 | 0.85 | 0.84 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 145.5x | - | 56.5x | 41.9x | - | - |
| P / B | 0.5x | 0.5x | 1.0x | 1.3x | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 9.3x | - | 28.6x | 16.9x | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | -40.6% | -4.8% | - | - |
| Net income growth (YoY) | - | - | -41.3% | -12.6% | - | - |
| EPS growth (YoY) | - | - | -42.1% | - | - | - |
| EPS CAGR (3y) | -52.8% | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - |
| FCF growth (YoY) | 84.5% | - | -59.6% | 71.6% | 68.8% | 2.7% |
| FCF CAGR (5y) | - | - | 0.5% | 5.0% | 34.4% | -16.9% |
| Book value growth (YoY) | 0.8% | -5.4% | -2.5% | -0.5% | 0.7% | -21.7% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✗Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |