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Home CompaniesKentucky First Federal Bancorp

Kentucky First Federal Bancorp

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
5.8 USD 0.02 ( 0.35%)
Last update at 2026-11-11T17:52:00Z
VOLUME
3776
Market Cap
47.15M
P/E
25.35

Momentum Score

…

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provides various banking products and services in Kentucky. The company is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. Its loan portfolio comprises one-to four-family, multi-family, and construction residential real estate loans; nonresidential real estate loans comprising of commercial office buildings, churches and properties used for other purposes; and consumer loans, including home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans, as well as commercial non-mortgage loans. Kentucky First Federal Bancorp was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp operates as a subsidiary of First Federal MHC.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
5.80
Low
6.11
High
52 Week Price Range
2.95
Low
6.45
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
5.78
Dividend Yield
-
Revenue TTM
11.50M
Revenue Per Share
1.42
Gross Profit TTM
11.50M
Debt / Equity
0.97
ROE
3.87%
Net Debt
32.11M
ROCE
1.55%
Diluted EPS TTM
0.23

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 2.50M 0.24M -1.96M 1.23M 1.55M
Net income 1.91M 0.18M -1.72M 0.93M 1.07M
Selling general administrative - 5.20M 5.23M 5.03M 5.86M
Selling and marketing expenses - 0.19M 0.17M 0.15M 0.14M
Gross profit 11.50M 8.71M 7.22M 9.16M 9.16M
Reconciled depreciation - - 0.23M 0.26M 0.28M
Ebit - 0.24M -1.96M 0.97M 3.82M
Ebitda 2.50M 0.44M -1.73M 1.23M 4.11M
Depreciation and amortization - 0.20M 0.23M 0.26M 0.28M
Operating income 2.50M 0.24M -1.96M 1.23M 3.82M
Other operating expenses 18.92M 19.41M 18.49M -7.93M -5.34M
Interest expense 9.68M 10.90M 9.28M 3.90M 1.75M
Tax provision - - -0.24M 0.29M 0.48M
Interest income - - 16.28M 12.76M 10.91M
Net interest income - - 6.99M 8.86M 9.16M
Income tax expense 0.59M 0.06M -0.24M 0.29M 0.48M
Total revenue 21.42M 19.65M 16.53M 9.16M 9.16M
Total operating expenses 9.00M 8.48M 9.18M -7.93M -5.34M
Cost of revenue 9.92M 10.94M 9.31M - -
Total other income expense net - -8.56M -2.00M - -2.27M
Net income from continuing ops - - -1.72M 0.93M 1.55M
Net income applicable to common shares - - - 0.93M 1.59M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 362.40M 372.16M 374.97M 349.02M 328.08M
Other current assets - 20.92M 0.22M 1.05M 1.18M
Total liab 312.10M 323.79M 326.97M 70.09M 276.06M
Total stockholder equity 50.29M 48.37M 48.00M 50.71M 52.02M
Other current liab - 202.79M 256.14M -0.07M -0.01M
Common stock 50.29M 0.09M 0.09M 0.09M 0.09M
Capital stock - - 0.09M 0.09M 0.09M
Retained earnings - 17.51M 17.32M 20.13M 20.56M
Other liab - - - 1.84M 2.12M
Good will - - 0.00M 0.95M 0.95M
Other assets - 351.24M 341.15M 327.55M 289.63M
Cash 16.48M 2.34M 17.58M 8.17M 25.82M
Total current liabilities - 210.48M 256.31M 0.07M 0.01M
Current deferred revenue - - 157.67M - -
Net debt 32.11M 40.42M 51.40M 61.92M 8.24M
Short term debt - 7.69M 68.97M - -
Short long term debt total 48.59M 42.76M 68.99M 70.09M 34.07M
Other stockholder equity 50.29M 30.92M 30.92M 30.92M 31.38M
Property plant equipment - - - 4.43M 4.56M
Total current assets 16.48M 20.92M 28.62M 8.17M 22.12M
Long term investments - - 9.86M 12.35M 10.82M
Net tangible assets - - - 49.76M 51.08M
Short term investments - 8.58M 9.65M 12.08M 10.48M
Net receivables - 1.44M 1.17M 0.90M 0.65M
Long term debt - - 68.99M 70.09M 34.07M
Inventory - - 0.22M 0.07M 0.01M
Accounts payable - - 0.18M 0.07M 0.01M
Accumulated other comprehensive income - -0.14M -0.34M -0.43M -
Non currrent assets other 14.18M -5.16M 8.73M -13.30M -16.33M
Non current assets total 345.91M 359.80M 346.35M 13.30M 16.33M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments - - -16.60M -39.48M -10.08M
Change to liabilities - - - 0.07M 0.16M
Total cashflows from investing activities - 6.12M -16.60M -39.48M 13.33M
Net borrowings - - -1.10M 36.02M -22.81M
Total cash from financing activities - -4.84M 28.18M 20.68M -11.80M
Change to operating activities - - - 0.29M -0.42M
Net income 1.91M 0.18M -1.72M 0.93M 1.59M
Change in cash -19.48M 1.19M 10.12M -17.66M 4.17M
Begin period cash flow 19.48M 18.29M 8.17M 25.82M 21.65M
End period cash flow - 19.48M 18.29M 8.17M 25.82M
Total cash from operating activities - -0.09M -1.45M 1.15M 2.64M
Depreciation - 0.20M 0.23M 0.26M 0.28M
Other cashflows from investing activities - 6.06M -19.18M 1.88M 1.88M
Dividends paid - - 0.67M 1.36M 1.39M
Change to account receivables - -0.27M -0.27M -0.25M 0.04M
Sale purchase of stock - - 0.00M -0.46M -0.54M
Other cashflows from financing activities - 21.38M 29.95M 0.03M 21.94M
Change to netincome - - - -0.15M 0.98M
Capital expenditures 0.00M 0.15M 0.07M 0.13M 0.15M
Change in working capital - 0.55M -0.32M 0.11M -0.22M
Stock based compensation - - 0.00M 0.00M 0.07M
Other non cash items -1.91M -1.01M 0.64M 0.08M 0.64M
Free cash flow - -0.23M -1.52M 1.02M 2.49M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
KFFB
Kentucky First Federal Bancorp		 0.02
0.35%		 5.80 25.35 46.08 4.10 0.96 8.26
DBSDY
DBS Group Holdings Ltd ADR		 2.50
1.14%		 221.55 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.26
0.75%		 34.27 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.01
0.01%		 93.32 11.53 10.27 5.72 1.83 8.22

Profile*

Kentucky First Federal Bancorp

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provides various banking products and services in Kentucky. The company is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. Its loan portfolio comprises one-to four-family, multi-family, and construction residential real estate loans; nonresidential real estate loans comprising of commercial office buildings, churches and properties used for other purposes; and consumer loans, including home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans, as well as commercial non-mortgage loans. Kentucky First Federal Bancorp was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp operates as a subsidiary of First Federal MHC.

655 Main Street, Hazard, KY, United States, 41702

502 223 1638

https://ffsbky.bank

54

Name Title Year Born
Mr. Don D. Jennings Pres, CEO, COO & Director 1965
Mr. R. Clay Hulette CPA VP, Treasurer & CFO 1962
Ms. Teresa A. Kuhl Hulette Exec. VP of First Federal Savings Bank of Kentucky NA
Ms. Lee Ann Hockensmith Sec. NA
Ms. Jaime Steele Coffey Pres & CEO of First Federal of Hazard 1979
Ms. Yvonne Thornberry VP and Head of Loan Processing & Servicing - First Federal Savings Bank of Kentucky NA
Ms. Stacey Greenawalt VP & Head of Residential Lending - First Federal Savings Bank of Kentucky NA
Ms. Deborah C. Bersaglia VP, AVP for Lending & Sec. of First Federal Savings & Loan Association of Hazard NA
Margaret P. Pelley VP & Head Teller - First Federal Savings & Loan Association of Hazard NA
Wick Asbury Head of Lending - First Federal Savings Bank and VP of First Federal Saving Bank NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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