Kentucky First Federal Bancorp
KFFB Nasdaq Savings Institution, Federally Chartered Financials FY2016–FY2025
Last close · Oct 23, 2026
$5.22
0.0%
Revenue
Total sales reported in the income statement.
$8.8M
22.0%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
96.9%
29.9 pts
Net income
Profit after all expenses, interest and tax.
$0.2M
Return on equity
Net income as a share of average shareholders' equity.
0.4%
3.9 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
$42.2M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
30.7x
On $0.17 EPS (TTM)
What Kentucky First Federal Bancorp does
No business description yet.
- Legal name
- Kentucky First Federal Bancorp
- Fiscal year ends
- June 30, 2025
- Latest annual report
- 10-K · Sep 28, 2026
- Accession · CIK
- 0001213900-26-103633
0001297341
Revenue and margins
Kentucky First Federal Bancorp had $8.8M of revenue in fiscal 2025, up 22.0% on the year before.
FY16
Revenue $10.7M
FY17
Revenue $0.0M
FY18
Revenue $0.0M
FY19
Revenue $0.0M
FY20
Revenue $9.6M
FY21
Revenue $10.4M
FY22
Revenue $9.7M
FY23
Revenue $9.2M
FY24
Revenue $7.2M
FY25
Revenue $8.8M
Q4 '23
Revenue $2.0M
Q1 '24
Revenue $1.7M
Q2 '24
Revenue $1.7M
Q3 '24
Revenue $1.8M
Q4 '24
Revenue $2.0M
Q1 '25
Revenue $2.0M
Q2 '25
Revenue $2.2M
Q3 '25
Revenue $2.2M
Q4 '25
Revenue $2.4M
Q1 '26
Revenue $2.7M
Q2 '26
Revenue $2.8M
Q3 '26
Revenue $3.0M
FY16
Net interest share 96.4%
Efficiency ratio 80.2%
FY17
Net interest share 51,889.5%
Efficiency ratio 44,900.0%
FY18
Net interest share 57,205.9%
Efficiency ratio 52,617.6%
FY19
Net interest share 62,986.7%
Efficiency ratio 58,180.0%
FY20
Net interest share 95.9%
Efficiency ratio 227.7%
FY21
Net interest share 94.3%
Efficiency ratio 79.1%
FY22
Net interest share 94.7%
Efficiency ratio 78.8%
FY23
Net interest share 96.7%
Efficiency ratio 85.4%
FY24
Net interest share 96.5%
Efficiency ratio 126.7%
FY25
Net interest share 94.3%
Efficiency ratio 96.9%
Net interest share
Efficiency ratio
Q4 '23
Net interest share 96.7%
Efficiency ratio 97.3%
Q1 '24
Net interest share 95.8%
Efficiency ratio 113.6%
Q2 '24
Net interest share 97.3%
Efficiency ratio 126.2%
Q3 '24
Net interest share 95.8%
Efficiency ratio 109.4%
Q4 '24
Net interest share 97.3%
Efficiency ratio 155.3%
Q1 '25
Net interest share 93.2%
Efficiency ratio 100.3%
Q2 '25
Net interest share 92.3%
Efficiency ratio 99.7%
Q3 '25
Net interest share 96.3%
Efficiency ratio 98.4%
Q4 '25
Net interest share 95.4%
Efficiency ratio 90.0%
Q1 '26
Net interest share 94.2%
Efficiency ratio 83.0%
Q2 '26
Net interest share 93.7%
Efficiency ratio 85.5%
Q3 '26
Net interest share 95.4%
Efficiency ratio 73.5%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2016 to 2025, diluted EPS grew −21.7% a year. Loss periods are shown in red.
FY16
Net income $1.5M
FY17
Net income $0.9M
FY18
Net income $1.3M
FY19
Net income $0.8M
FY20
Net income −$12.5M
FY21
Net income $1.8M
FY22
Net income $1.6M
FY23
Net income $0.9M
FY24
Net income −$1.7M
FY25
Net income $0.2M
Q4 '23
Net income $0.0M
Q1 '24
Net income −$0.2M
Q2 '24
Net income −$0.4M
Q3 '24
Net income −$0.1M
Q4 '24
Net income −$1.1M
Q1 '25
Net income −$0.0M
Q2 '25
Net income $0.0M
Q3 '25
Net income $0.0M
Q4 '25
Net income $0.2M
Q1 '26
Net income $0.3M
Q2 '26
Net income $0.3M
Q3 '26
Net income $0.6M
FY16
Diluted EPS $0.18
FY17
Diluted EPS $0.11
FY18
Diluted EPS $0.16
FY19
Diluted EPS $0.10
FY20
Diluted EPS −$1.52
FY21
Diluted EPS $0.22
FY22
Diluted EPS $0.19
FY23
Diluted EPS $0.11
FY24
Diluted EPS −$0.21
FY25
Diluted EPS $0.02
Q4 '23
Diluted EPS $0.00
Q1 '24
Diluted EPS −$0.02
Q2 '24
Diluted EPS −$0.05
Q3 '24
Diluted EPS −$0.01
Q4 '24
Diluted EPS −$0.13
Q1 '25
Diluted EPS $0.00
Q2 '25
Diluted EPS $0.00
Q3 '25
Diluted EPS $0.00
Q4 '25
Diluted EPS $0.02
Q1 '26
Diluted EPS $0.04
Q2 '26
Diluted EPS $0.04
Q3 '26
Diluted EPS $0.07
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 2.2%
ROTE 2.8%
Efficiency ratio 80.2%
FY17
ROE 1.4%
ROTE 1.8%
Efficiency ratio 44,900.0%
FY18
ROE 2.0%
ROTE 2.5%
Efficiency ratio 52,617.6%
FY19
ROE 1.2%
ROTE 1.6%
Efficiency ratio 58,180.0%
FY20
ROE −21.2%
ROTE −24.6%
Efficiency ratio 227.7%
FY21
ROE 3.5%
ROTE 3,544.4%
Efficiency ratio 79.1%
FY22
ROE 3.0%
ROTE 3,112.9%
Efficiency ratio 78.8%
FY23
ROE 1.8%
ROTE 1,874.8%
Efficiency ratio 85.4%
FY24
ROE −3.5%
ROTE −3,585.6%
Efficiency ratio 126.7%
FY25
ROE 0.4%
ROTE 374.2%
Efficiency ratio 96.9%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Kentucky First Federal Bancorp returned — to shareholders in fiscal 2025. The diluted share count rose 0.0%.
FY16
Dividends $1.5M
Buybacks $0.0M
FY17
Dividends $1.5M
Buybacks —
FY18
Dividends $1.5M
Buybacks —
FY19
Dividends $1.4M
Buybacks —
FY20
Dividends $1.4M
Buybacks —
FY21
Dividends $1.4M
Buybacks —
FY22
Dividends $1.4M
Buybacks —
FY23
Dividends $1.4M
Buybacks $0.5M
FY24
Dividends $0.7M
Buybacks —
FY25
Dividends —
Buybacks —
Dividends
Buybacks
Q4 '23
Dividends $0.3M
Buybacks $0.1M
Q1 '24
Dividends $0.3M
Buybacks —
Q2 '24
Dividends $0.3M
Buybacks —
Q3 '24
Dividends $0.0M
Buybacks —
Q4 '24
Dividends −$0.0M
Buybacks —
Q1 '25
Dividends —
Buybacks —
Q2 '25
Dividends —
Buybacks —
Q3 '25
Dividends —
Buybacks —
Q4 '25
Dividends —
Buybacks —
Q1 '26
Dividends —
Buybacks —
Q2 '26
Dividends —
Buybacks —
Q3 '26
Dividends —
Buybacks —
Dividends
Buybacks
FY16
Diluted shares 0.01B
FY17
Diluted shares 0.01B
FY18
Diluted shares 0.01B
FY19
Diluted shares 0.01B
FY20
Diluted shares 0.01B
FY21
Diluted shares 0.01B
FY22
Diluted shares 0.01B
FY23
Diluted shares 0.01B
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $238M
Deposits $189M
FY17
Loans $258M
Deposits $183M
FY18
Loans $270M
Deposits $196M
FY19
Loans $281M
Deposits $196M
FY20
Loans $286M
Deposits $212M
FY21
Loans $298M
Deposits $227M
FY22
Loans $275M
Deposits $240M
FY23
Loans $314M
Deposits $226M
FY24
Loans —
Deposits $256M
FY25
Loans —
Deposits $278M
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $298M | $275M | $314M | — | — |
| Deposits | $227M | $240M | $226M | $256M | $278M |
| Loans / deposits | 131.3% | 114.5% | 138.7% | — | — |
| Total assets | $338M | $328M | $349M | $375M | $371M |
| Shareholders' equity | $52.3M | $52.0M | $50.7M | $48.0M | $48.4M |
| Goodwill | $0.9M | $0.9M | $0.9M | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $10.7M | $0.0M | $0.0M | $0.0M | $9.6M | $10.4M | $9.7M | $9.2M | $7.2M | $8.8M |
| Net interest income | $10.3M | $9.9M | $9.7M | $9.4M | $9.2M | $9.8M | $9.2M | $8.9M | $7.0M | $8.3M |
| Noninterest income | $0.4M | $0.4M | $0.7M | $0.2M | $0.4M | $0.6M | $0.5M | $0.3M | $0.3M | $0.5M |
| Noninterest expense | $8.5M | $8.5M | $8.9M | $8.7M | $21.9M | $8.2M | $7.7M | $7.8M | $9.2M | $8.6M |
| Provision for credit losses | $0.0M | $0.2M | $0.2M | — | — | — | — | — | $0.0M | $0.0M |
| Interest expense | $1.4M | $1.5M | $2.2M | $3.3M | $3.5M | $2.1M | $1.8M | $3.9M | — | — |
| Pretax income | $2.1M | $1.4M | $1.3M | $1.0M | −$12.3M | $2.2M | $2.1M | $1.2M | −$2.0M | $0.2M |
| Income tax | $0.6M | $0.5M | −$0.0M | $0.1M | $0.3M | $0.4M | $0.5M | $0.3M | −$0.2M | $0.1M |
| Net income | $1.5M | $0.9M | $1.3M | $0.8M | −$12.5M | $1.8M | $1.6M | $0.9M | −$1.7M | $0.2M |
| Net income to common | — | — | — | — | — | $1.8B | $1.6B | $933M | −$1.7B | $181M |
| Diluted EPS | $0.18 | $0.11 | $0.16 | $0.10 | −$1.52 | $0.22 | $0.19 | $0.11 | −$0.21 | $0.02 |
| Diluted shares | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B |
| Cash flow | ||||||||||
| Cash from operations | $1.4M | $2.1M | $1.1M | $1.0M | $1.0M | $1.6M | $2.6M | $1.2M | −$1.5M | −$0.1M |
| Capital expenditure | $1.1M | $0.1M | $0.2M | $0.1M | $0.2M | $0.1M | $0.2M | $0.1M | $0.1M | $0.1M |
| Free cash flow | $0.3M | $2.0M | $1.0M | $0.9M | $0.9M | $1.5M | $2.5M | $1.0M | −$1.5M | −$0.2M |
| Depreciation and amortization | $0.3M | $0.3M | $0.3M | $0.3M | $0.3M | $0.3M | $0.3M | $0.3M | $0.2M | $0.2M |
| Share buybacks | $0.0M | — | — | — | — | — | — | $0.5M | — | — |
| Dividends paid | $1.5M | $1.5M | $1.5M | $1.4M | $1.4M | $1.4M | $1.4M | $1.4M | $0.7M | — |
| Dividends and buybacks | $1.5M | $1.5M | $1.5M | $1.4M | $1.4M | $1.4M | $1.4M | $1.8M | $0.7M | — |
| Balance sheet | ||||||||||
| Cash and short-term investments | $13.1M | $12.8M | $9.9M | $9.9M | $13.7M | $21.6M | $25.8M | $8.2M | $18.3M | $19.5M |
| Loans, net | $238M | $258M | $270M | $281M | $286M | $298M | $275M | $314M | — | — |
| Deposits | $189M | $183M | $196M | $196M | $212M | $227M | $240M | $226M | $256M | $278M |
| Property and equipment, net | $6.0M | $5.8M | $5.7M | $5.0M | $4.9M | $4.7M | $4.6M | $4.4M | $4.3M | $4.2M |
| Goodwill | $14.5M | $14.5M | $14.5M | $14.5M | $0.9M | $0.9M | $0.9M | $0.9M | — | — |
| Total assets | $292M | $308M | $318M | $331M | $321M | $338M | $328M | $349M | $375M | $371M |
| Total liabilities | $224M | $241M | $251M | $264M | $269M | $286M | $276M | $298M | $327M | $323M |
| Preferred stock | $0.0M | — | — | — | — | — | — | — | — | — |
| Shareholders' equity | $67.5M | $67.1M | $67.2M | $66.3M | $51.9M | $52.3M | $52.0M | $50.7M | $48.0M | $48.4M |
| Margins | ||||||||||
| Net margin | 14.1% | 4,921.1% | 7,782.4% | 5,413.3% | −130.4% | 17.5% | 16.3% | 10.2% | −23.8% | 2.0% |
| FCF margin | 3.2% | 10,378.9% | 5,870.6% | 5,693.3% | 9.1% | 14.2% | 25.6% | 11.2% | −21.0% | −2.7% |
| Net interest share of revenue | 96.4% | 51,889.5% | 57,205.9% | 62,986.7% | 95.9% | 94.3% | 94.7% | 96.7% | 96.5% | 94.3% |
| Efficiency ratio | 80.2% | 44,900.0% | 52,617.6% | 58,180.0% | 227.7% | 79.1% | 78.8% | 85.4% | 126.7% | 96.9% |
| Returns | ||||||||||
| Return on equity | 2.2% | 1.4% | 2.0% | 1.2% | −21.2% | 3.5% | 3.0% | 1.8% | −3.5% | 0.4% |
| Return on assets | 0.5% | 0.3% | 0.4% | 0.3% | −3.8% | 0.6% | 0.5% | 0.3% | −0.5% | 0.0% |
| Return on tangible equity | 2.8% | 1.8% | 2.5% | 1.6% | −24.6% | 3,544.4% | 3,112.9% | 1,874.8% | −3,585.6% | 374.2% |
| Growth | ||||||||||
| Revenue growth | — | −99.8% | −10.5% | −11.8% | 64,033.3% | 8.3% | −6.5% | −5.9% | −20.9% | 22.0% |
| Net income growth | — | −37.7% | 41.5% | −38.6% | −1,645.2% | — | −12.6% | −41.3% | −284.5% | — |
| EPS growth | — | −38.9% | 45.5% | −37.5% | −1,620.0% | — | −13.6% | −42.1% | −290.9% | — |
| FCF growth | — | 483.4% | −49.4% | −14.4% | 2.7% | 68.8% | 68.2% | −58.8% | −248.3% | — |
| Share count change | — | 0.3% | 0.3% | −0.4% | −1.0% | −0.4% | −0.0% | −1.0% | −0.4% | 0.0% |
| Financial health | ||||||||||
| Loans / deposits | 126.5% | 141.2% | 138.2% | 143.5% | 134.7% | 131.3% | 114.5% | 138.7% | — | — |
| Provision / loans | 0.0% | 0.1% | 0.1% | — | — | — | — | — | — | — |
| Capital allocation | ||||||||||
| Capex / revenue | 10.4% | 652.6% | 888.2% | 986.7% | 1.7% | 1.0% | 1.6% | 1.4% | 0.9% | 1.7% |
| Payouts / FCF | 437.9% | 75.4% | 145.6% | 168.1% | 158.3% | 93.8% | 56.0% | 178.0% | — | — |
| Quality scores | ||||||||||
| Accruals ratio | 0.0% | −0.4% | 0.1% | −0.1% | −4.2% | 0.1% | −0.3% | −0.1% | −0.1% | 0.1% |
Source: SEC EDGAR XBRL filings (CIK 0001297341). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.