Kentucky First Federal Bancorp
KFFB Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 27, 2026
$5.35
KIRA · Stoqly’s AI analyst, in plain words
- Kentucky First Federal Bancorp had $8.8M of revenue in fiscal 2025, up 22.0% on the year before. Over five years, revenue changed −1.7% a year on average.
- Kentucky First Federal Bancorp made $0.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −21.7% a year.
- It earned 0.4% on shareholders’ money. Running costs took 96.9% of revenue (the efficiency ratio; lower is better).
Market cap
$43.3M
P/E
31.5x
Revenue
$8.8M
Net income
$0.2M
Return on equity
0.4%
Efficiency ratio
96.9%
Kentucky First Federal Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+22.0%
Yes. Sales grew 22.0% last year.
Does it make a profit?
2.0%
A little. It keeps 2.0% of every sale as profit.
How lean are its costs?
96.9%
Costly. Running costs take 96.9% of revenue.
How much does it earn on its capital?
0.4%
Low. It earns 0.4% a year on shareholders’ money.
How is the share priced?
31.5x
One share costs 31.5 times its yearly profit per share.
What Kentucky First Federal Bancorp does
No business description yet.
- Fiscal year ends
- June 30, 2025
- Latest annual report
- 10-K · Sep 28, 2026
- Legal name
- Kentucky First Federal Bancorp
- CIK
- 0001297341
Kentucky First Federal Bancorp · KFFB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $10.4M | $9.7M | $9.2M | $7.2M | $8.8M |
| Revenue growth | 8.3% | −6.5% | −5.9% | −20.9% | 22.0% |
| Net interest income | $9.8M | $9.2M | $8.9M | $7.0M | $8.3M |
| Net income | $1.8M | $1.6M | $0.9M | −$1.7M | $0.2M |
| Net margin | 17.5% | 16.3% | 10.2% | −23.8% | 2.0% |
| Diluted EPS | $0.22 | $0.19 | $0.11 | −$0.21 | $0.02 |
| Cash | |||||
| Cash from operations | $1.6M | $2.6M | $1.2M | −$1.5M | −$0.1M |
| Capital expenditure | $0.1M | $0.2M | $0.1M | $0.1M | $0.1M |
| Free cash flow | $1.5M | $2.5M | $1.0M | −$1.5M | −$0.2M |
| FCF margin | 14.2% | 25.6% | 11.2% | −21.0% | −2.7% |
| Dividends paid | $1.4M | $1.4M | $1.4M | $0.7M | — |
| Share buybacks | — | — | $0.5M | — | — |
| Share count change | −0.4% | −0.0% | −1.0% | −0.4% | 0.0% |
| Debt and strength | |||||
| Cash and short-term investments | $21.6M | $25.8M | $8.2M | $18.3M | $19.5M |
| Loans, net | $298M | $275M | $314M | — | — |
| Deposits | $227M | $240M | $226M | $256M | $278M |
| Shareholders' equity | $52.3M | $52.0M | $50.7M | $48.0M | $48.4M |
| Returns and quality | |||||
| Return on equity | 3.5% | 3.0% | 1.8% | −3.5% | 0.4% |
| Return on tangible equity | 3,544.4% | 3,112.9% | 1,874.8% | −3,585.6% | 374.2% |
| Efficiency ratio | 79.1% | 78.8% | 85.4% | 126.7% | 96.9% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Kentucky First Federal Bancorp · KFFB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $5.35 a share, the company is worth $43.3M: 31.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001297341). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.