KFFB Kentucky First Federal Bancorp - Common Stock

NASDAQ · Banking · View on SEC EDGAR ↗
$5.46
Price · Aug 18, 2026
Fundamentals as of May 15, 2026

KFFB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$5.46
Market Cap
P/E (TTM)
145.5
EPS (TTM)
$0.02
Revenue (TTM)
Div Yield
ROE
0.38%
Debt/Equity
52W Range
$3 – $6

KFFB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income
2-point trend, -11.8%
2018-06-30 2019-06-30
EPS $0.02
5-point trend, -90.9%
2021-06-30 2025-06-30
Free Cash Flow $-235.0K
9-point trend, -110.6%
2015-06-30 2025-06-30
Margins 2.1%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
KFFB
Peer Median
P/E (TTM)
5-point trend, +334.9%
145.5
40.7

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
KFFB
Peer Median
Net Profit Margin
5-point trend, -88.3%
2.1%
23.8%
ROA
5-point trend, -90.9%
0.05%
0.56%
ROE
5-point trend, -89.1%
0.38%
4.6%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
KFFB
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
KFFB
Peer Median
Revenue YoY
2-point trend, -11.8%
22.0%
Revenue CAGR 3Y
2-point trend, -11.8%
-3.2%
Revenue CAGR 5Y
2-point trend, -11.8%
-1.7%

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
KFFB
Peer Median
EPS (Diluted)
5-point trend, -90.9%
$0.02

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
KFFB
Peer Median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
Payout Ratio
5Y Div CAGR
Ex-dateAmount
Oct. 30, 2023$0.1000
July 28, 2023$0.1000
April 27, 2023$0.1000
Jan. 30, 2023$0.1000
Oct. 28, 2022$0.1000
July 28, 2022$0.1000
April 28, 2022$0.1000
Jan. 28, 2022$0.1000
Oct. 28, 2021$0.1000
July 29, 2021$0.1000
April 29, 2021$0.1000
Jan. 28, 2021$0.1000
Oct. 29, 2020$0.1000
July 30, 2020$0.1000
April 29, 2020$0.1000
Jan. 30, 2020$0.1000
Oct. 30, 2019$0.1000
July 30, 2019$0.1000
April 29, 2019$0.1000
Jan. 30, 2019$0.1000

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Next Report
Sep 17, 2026

Peer comparison (GICS sub-industry) Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
KFFB 145.5 22.0% 2.1% 0.38%
MBBC $29M 498.0 3.4% 0.62% 0.11%
TFC $62.13B 12.9 53.0% 26.1% 8.2%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 11
Annual Income Statement data for KFFB
Metric Trend 20252024202320222021202020192018
Revenue 2-point trend, -11.8% · · · · · · $15.0K $17.0K
Interest Expense 6-point trend, +80.6% · · $4M $2M $2M $3M $3M $2M
Interest Income 8-point trend, +61.8% $19M $16M $13M $11M $12M $13M $13M $12M
Other Non-op 5-point trend, -106.4% · · $-608.0K $-573.0K $-522.0K $-711.0K $9M ·
Pretax Income 8-point trend, -81.5% $238.0K $-2M $1M $2M $2M $-12M $953.0K $1M
Income Tax 8-point trend, +254.1% $57.0K $-239.0K $294.0K $477.0K $352.0K $264.0K $141.0K $-37.0K
Net Income 8-point trend, -86.3% $181.0K $-2M $933.0K $2M $2M $-13M $812.0K $1M
EPS (Basic) 5-point trend, -90.9% $0.02 $-0.21 $0.11 $0.19 $0.22 · · ·
EPS (Diluted) 5-point trend, -90.9% $0.02 $-0.21 $0.11 $0.19 $0.22 · · ·
Shares (Basic) 5-point trend, -1.4% 8,098,715 8,098,715 8,131,568 8,213,407 8,216,193 · · ·
Shares (Diluted) 7-point trend, -3.2% 8,098,715 8,098,715 8,131,568 8,213,407 8,216,193 · 8,335,612 8,366,521
Balance Sheet 16
Annual Balance Sheet data for KFFB
Metric Trend 20252024202320222021202020192018
Cash & Equivalents 8-point trend, +95.9% $19M $18M $8M $26M $22M $14M $10M $10M
Short-term Investments 3-point trend, -96.8% · · · · $33.0K $541.0K $1M ·
PP&E (Net) 8-point trend, -25.5% $4M $4M $4M $5M $5M $5M $5M $6M
PP&E (Gross) 8-point trend, -10.2% $11M $11M $11M $10M $10M $10M $10M $12M
Accum. Depreciation 8-point trend, +3.5% $7M $6M $6M $6M $6M $5M $5M $6M
Goodwill 6-point trend, -93.5% · · $947.0K $947.0K $947.0K $947.0K $15M $15M
Total Assets 8-point trend, +16.6% $371M $375M $349M $328M $338M $321M $331M $318M
Deferred Tax 7-point trend, -95.7% $30.0K $113.0K $513.0K $889.0K $614.0K $837.0K $701.0K ·
Total Liabilities 8-point trend, +28.5% $323M $327M $298M $276M $286M $269M $264M $251M
Common Stock Flat — no change across 8 periods $86.0K $86.0K $86.0K $86.0K $86.0K $86.0K $86.0K $86.0K
Paid-in Capital 6-point trend, -0.3% $35M $35M $35M $35M $35M $35M · ·
Retained Earnings 8-point trend, -48.6% $18M $17M $20M $21M $20M $20M $34M $34M
Treasury Stock 8-point trend, +192.9% $4M $4M $4M $4M $3M $3M $2M $1M
AOCI 5-point trend, -3725.0% $-145.0K $-336.0K $-427.0K · · $2.0K $4.0K ·
Stockholders' Equity 8-point trend, -28.0% $48M $48M $51M $52M $52M $52M $66M $67M
Liabilities + Equity 8-point trend, +16.6% $371M $375M $349M $328M $338M $321M $331M $318M
Cash Flow 11
Annual Cash Flow data for KFFB
Metric Trend 20252024202320222021202020192018
Deferred Tax 3-point trend, +35.9% $-150.0K $-289.0K $-234.0K · · · · ·
Operating Cash Flow 8-point trend, -107.5% $-86.0K $-1M $1M $3M $2M $1M $1M $1M
CapEx 8-point trend, -1.3% $149.0K $66.0K $127.0K $151.0K $101.0K $165.0K $148.0K $151.0K
Investing Cash Flow 8-point trend, +148.7% $6M $-17M $-39M $13M $-9M $243.0K $-13M $-13M
Stock Repurchased · · $461.0K · · · · ·
Dividends Paid 7-point trend, -53.9% · $670.0K $1M $1M $1M $1M $1M $1M
Financing Cash Flow 8-point trend, -156.5% $-5M $28M $21M $-12M $15M $3M $11M $9M
Net Change in Cash 2-point trend, +97.1% · · · · · · $-82.0K $-3M
Taxes Paid 7-point trend, -95.0% $15.0K $125.0K $290.0K $550.0K $475.0K · $100.0K $300.0K
Free Cash Flow 7-point trend, -127.5% $-235.0K $-2M $1M $2M $1M $877.0K $854.0K ·
Levered FCF 5-point trend, -1.3% · · $-2M $1M $-314.0K $-3M $-2M ·
Profitability 4
Annual Profitability data for KFFB
Metric Trend 20252024202320222021202020192018
Net Margin 7-point trend, -100.0% 2.1% -23.8% 10.3% 16.3% 17.5% -130.4% 5413.3% ·
Pretax Margin 7-point trend, -100.0% 2.7% -27.1% 13.6% 21.2% 20.9% -127.7% 6353.3% ·
ROA 7-point trend, -80.0% 0.05% -0.48% 0.28% 0.48% 0.55% -3.9% 0.25% ·
ROE 7-point trend, -68.9% 0.38% -3.5% 1.8% 3.0% 3.5% -21.4% 1.2% ·
Efficiency 1
Annual Efficiency data for KFFB
Metric Trend 20252024202320222021202020192018
Asset Turnover 7-point trend, +0.02 0.0 0.0 0.0 0.0 0.0 0.0 0.0 ·
Per Share 4
Annual Per Share data for KFFB
Metric Trend 20252024202320222021202020192018
Revenue / Share 5-point trend, +60550.0% $1.09 $0.89 $1.11 $1.19 · · $0.00 ·
Cash Flow / Share 5-point trend, -108.8% $-0.01 $-0.18 $0.14 $0.32 · · $0.12 ·
Dividend Paid / Share 7-point trend, -50.0% · $0 $0 $0 $0 $0 $0 $0
EPS (TTM) 5-point trend, -90.9% $0.02 $-0.21 $0.11 $0.19 $0.22 · · ·
Growth Rates 7
Annual Growth Rates data for KFFB
Metric Trend 20252024202320222021202020192018
Revenue YoY 5-point trend, +167.0% 22.0% -20.9% -5.9% -6.5% 8.2% · · ·
Revenue CAGR 3Y 3-point trend, -93.9% -3.2% -11.4% -1.6% · · · · ·
Revenue CAGR 5Y -1.7% · · · · · · ·
EPS YoY 2-point trend, -208.7% · · -42.1% -13.6% · · · ·
EPS CAGR 3Y -52.8% · · · · · · ·
Net Income YoY 2-point trend, -226.9% · · -41.3% -12.6% · · · ·
Net Income CAGR 3Y -51.5% · · · · · · ·
Valuation (TTM) 6
Annual Valuation (TTM) data for KFFB
Metric Trend 20252024202320222021202020192018
Revenue TTM 2-point trend, -11.8% · · · · · · $15.0K $17.0K
Net Income TTM 8-point trend, -86.3% $181.0K $-2M $933.0K $2M $2M $-13M $812.0K $1M
P/E 5-point trend, +334.9% 145.5 -15.0 56.5 41.9 33.5 · · ·
Earnings Yield 5-point trend, -76.9% 0.69% -6.7% 1.8% 2.4% 3.0% · · ·
Payout Ratio 6-point trend, -122.0% · -38.9% 146.1% 87.7% 76.3% -11.1% 176.8% ·
Annual Payout 7-point trend, -53.9% · $670.0K $1M $1M $1M $1M $1M $1M

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-06-302024-06-302023-06-302022-06-302021-06-30
Net Income $181.0K$-2M$933.0K$2M$2M
Diluted EPS $0.02$-0.21$0.11$0.19$0.22
Cash Flow
2025-06-302024-06-302023-06-302022-06-302021-06-30
Free Cash Flow $-235.0K$-2M$1M$2M$1M

My Metrics Your personal watchlist — selected rows from Full Fundamentals

📊

Pick the metrics that matter to you — click the ➕ next to any row in Full Fundamentals above.

Your selection is saved and follows you across all tickers.

Institutional owners (13F) 20 filers · $1.6M total · As of June 30, 2026

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
5 (+1 vs prior Q) 1 (0 vs prior Q) 2 (-1 vs prior Q) 3 (0 vs prior Q) +7K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
TI-TRUST, INC $431,460 84,933 26.44% Shares
DIMENSIONAL FUND ADVISORS LP $408,539 80,421 25.03% Shares
VANGUARD CAPITAL MANAGEMENT LLC $279,954 55,109 17.15% Shares
Farmers National Bank $112,171 22,081 6.87% Shares
GEODE CAPITAL MANAGEMENT, LLC $90,021 17,714 5.52% Shares
VANGUARD FIDUCIARY TRUST CO $84,389 16,612 5.17% Shares
VANGUARD GROUP INC $77,246 16,612 4.73% Shares
CITADEL ADVISORS LLC $60,660 11,941 3.72% Shares
Kentucky Trust Co $47,270 10,993 2.90% Shares
MORGAN STANLEY $16,459 3,240 1.01% Shares
OSAIC HOLDINGS, INC. $12,426 2,446 0.76% Shares
Tower Research Capital LLC (TRC) $4,003 788 0.25% Shares
DELTA ASSET MANAGEMENT LLC/TN $3,063 603 0.19% Shares
BlackRock, Inc. $3,002 591 0.18% Shares
Glen Eagle Advisors, LLC $1,143 225 0.07% Shares
UBS Group AG $132 26 0.01% Shares
BARCLAYS PLC $51 10 0.00% Shares
SBI Securities Co., Ltd. $15 3 0.00% Shares
WELLS FARGO & COMPANY/MN $2 0 0.00% Shares
ROYAL BANK OF CANADA $0 15 0.00% Shares

Company insiders 14 insiders · 1 officers · 4 directors

Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Roy L Pulliam Jr Vice President and Secretary Dec. 13, 2005 A 5,000 0 0 $0
William D Gorman Director Jan. 8, 2010 M 33,320 0 0 $0
Stephen G Barker Director Dec. 13, 2005 A 8,400 0 0 $0
David R Harrod Director Dec. 13, 2005 A 8,400 0 0 $0
Herman D Regan JR Director Dec. 13, 2005 A 8,400 0 0 $0
William H Johnson June 27, 2025 S 45,848 0 0 $0
Walter G Ecton Jr Jan. 23, 2023 P 13,057 0 0 $0
Teresa K Hulette June 15, 2022 S 17,496 0 0 $0
Clay R Hulette June 15, 2022 S 6,309 0 0 $0
Michael C Davenport Nov. 22, 2019 P 40,028 0 0 $0
Don D Jennings Sept. 19, 2019 P 51,282 0 0 $0
Tony D Whitaker Sept. 9, 2019 P 54,074 0 0 $0
Lou Ella Farler May 14, 2018 S 0 0 0 $0
Danny A Garland May 12, 2005 P 39,357 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

Activists & 5%+ owners 2 positions

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
First Federal MHC June 29, 2009 Initial filing SEC
Undisclosed reporting person March 14, 2005 Initial filing SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

ETF ownership Held by 7 ETFs

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
DFSU · Dimensional ETF Trust 0.00% 3,047 NS April 30, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.00% 3,402 NS April 30, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 905 NS April 30, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 3,510 NS April 30, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS July 15, 2026 Daily
VTI · VANGUARD INDEX FUNDS July 15, 2026 Daily
IWC · iShares Trust Aug. 18, 2026 Daily