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Kentucky First Federal Bancorp logo

Kentucky First Federal Bancorp

KFFB

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$5.60

+$0.02 · +0.36%

Aug 21, 4:00 PM ET

Pre-market

$5.55

−$0.05 · -0.89%

Aug 24, 4:23 AM ET

KFFB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

71

Undervalued

Momentum

62

Gaining

Sentiment

54

Mixed

Risk resilience

52

Elevated Risk

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Company profile

Company website

Kentucky First Federal Bancorp (KFFB) serves as the holding company for two financial institutions: First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. Together, these subsidiaries deliver a variety of banking products and services to communities throughout Kentucky. Customers can access a suite of deposit products, including passbook savings, certificate accounts, checking accounts, and individual retirement accounts. KFFB's comprehensive loan offerings include residential mortgages for single to four-family homes, construction financing, and loans secured by multi-family properties. A substantial portion of its portfolio consists of non-residential loans, which are backed by commercial office buildings, churches, and other purpose-built properties. Furthermore, it provides commercial loans not tied to real estate, alongside an array of consumer credit options. These range from home equity lines of credit (HELOCs) and loans secured by savings deposits to automobile loans and unsecured personal financing. Beyond direct lending, KFFB also invests in mortgage-backed securities. The company operates through a network of seven branch locations. Established in 2005, its headquarters are located in Hazard, Kentucky. Kentucky First Federal Bancorp itself is a subsidiary of First Federal MHC.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
R. Clay Hulette
Listed since
Mar 3, 2005
Employees
55

Market position

Day range

Current $5.60

52-week range

Current $5.60

Open
$5.48
Previous close
$5.58
Volume
2.52K
0.72× average
Average volume
3.5K
Average daily volume
Market cap
45.29M USD
Beta
0.13
Market reference 1
50-day average
$5.1882
+7.94% above average
200-day average
$4.6622
+20.11% above average

Financials

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends95%56%17%-22%Gross margin, FY2022: 85.18%Gross margin, FY2023: 69.23%Gross margin, FY2024: 43.69%Gross margin, FY2025: 44.35%Gross margin, FY2026: 53.70%Operating margin, FY2022: 18.09%Operating margin, FY2023: 9.40%Operating margin, FY2024: -11.86%Operating margin, FY2025: 1.21%Operating margin, FY2026: 11.69%Net margin, FY2022: 13.91%Net margin, FY2023: 7.15%Net margin, FY2024: -10.41%Net margin, FY2025: 0.92%Net margin, FY2026: 8.91%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 85.18%. Gross margin FY2023 69.23%. Gross margin FY2024 43.69%. Gross margin FY2025 44.35%. Gross margin FY2026 53.70%. Operating margin FY2022 18.09%. Operating margin FY2023 9.40%. Operating margin FY2024 -11.86%. Operating margin FY2025 1.21%. Operating margin FY2026 11.69%. Net margin FY2022 13.91%. Net margin FY2023 7.15%. Net margin FY2024 -10.41%. Net margin FY2025 0.92%. Net margin FY2026 8.91%.

Income trends

Revenue

21.42M USD+9.02%

Operating income

2.5M USD+952.10%

Net income

1.91M USD+954.70%
Income trends across reported periods23.76M USD14.41M USD5.05M USD−4.3M USDRevenue, FY2022: 11.43M USDRevenue, FY2023: 13.05M USDRevenue, FY2024: 16.53M USDRevenue, FY2025: 19.65M USDRevenue, FY2026: 21.42M USDOperating income, FY2022: 2.07M USDOperating income, FY2023: 1.23M USDOperating income, FY2024: −1.96M USDOperating income, FY2025: 238K USDOperating income, FY2026: 2.5M USDNet income, FY2022: 1.59M USDNet income, FY2023: 933K USDNet income, FY2024: −1.72M USDNet income, FY2025: 181K USDNet income, FY2026: 1.91M USDFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 11.43M USD. Revenue FY2023 13.05M USD. Revenue FY2024 16.53M USD. Revenue FY2025 19.65M USD. Revenue FY2026 21.42M USD. Operating income FY2022 2.07M USD. Operating income FY2023 1.23M USD. Operating income FY2024 −1.96M USD. Operating income FY2025 238K USD. Operating income FY2026 2.5M USD. Net income FY2022 1.59M USD. Net income FY2023 933K USD. Net income FY2024 −1.72M USD. Net income FY2025 181K USD. Net income FY2026 1.91M USD.
Metric (USD)FY2026FY2025FY2024FY2023FY2022
Revenue21.42M USD19.65M USD16.53M USD13.05M USD11.43M USD
Cost of goods sold9.92M USD10.94M USD9.31M USD4.02M USD1.69M USD
Gross profit11.5M USD8.71M USD7.22M USD9.04M USD9.74M USD
Selling, general, and administrative—5.2M USD5.39M USD5.18M USD5.06M USD
Operating expenses9M USD8.48M USD9.18M USD7.81M USD7.67M USD
Interest income20.79M USD19.24M USD16.28M USD12.76M USD10.91M USD
Interest expense9.68M USD10.9M USD9.28M USD3.9M USD1.75M USD
Depreciation and amortization—201K USD234K USD255K USD285K USD
Operating income2.5M USD238K USD−1.96M USD1.23M USD2.07M USD
Net income1.91M USD181K USD−1.72M USD933K USD1.59M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.08

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.120.070.01-0.04Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual -0.002, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 11, 2025: actual 0.002, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 0.001, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Sep 19, 2025: actual 0.02, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 6, 2025: actual 0.04, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 10, 2026: actual 0.04, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 0.07, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 0.08, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates5.75M4.38M3.01M1.63MQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q1 '26Q2 '26Q3 '26
Q2 2024, reported May 10, 2024: actual 4.23M USD, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Sep 18, 2024: actual 1.92M USD, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 12, 2024: actual 2.01M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 11, 2025: actual 4.78M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 4.93M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 10, 2026: actual 5.35M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 5.4M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 5.47M USD, estimate —, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Mar 3, 2005

2,349:1,000

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ETFs holding KFFB

Funds reporting this stock among their holdings, ordered by reported position size.

U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
225.55K
Weight
0.00%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.95+0.73%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
198.7K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
101.65K
Weight
—
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
51.47K
Weight
0.00%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
Dimensional - US Core Equity 2 ETF logoDimensional - US Core Equity 2 ETFDFAC
Market value
19.66K
Weight
0.00%
AUM
49.31B USD
Expense ratio
0.17%
Price / 1D
$45.61+0.46%
Dimensional - US Small Cap ETF logoDimensional - US Small Cap ETFDFAS
Market value
19.05K
Weight
0.00%
AUM
15.92B USD
Expense ratio
0.26%
Price / 1D
$83.02+0.73%
Dimensional - US Sustainability Core 1 ETF logoDimensional - US Sustainability Core 1 ETFDFSU
Market value
17.06K
Weight
0.00%
AUM
2.35B USD
Expense ratio
0.15%
Price / 1D
$48.20+0.52%
Dimensional - US Core Equity 1 ETF logoDimensional - US Core Equity 1 ETFDCOR
Market value
5.07K
Weight
0.00%
AUM
3.51B USD
Expense ratio
0.14%
Price / 1D
$84.54+0.42%

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