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Kentucky First Federal Bancorp (KFFB) Financials

Kentucky First Federal Bancorp logo
$5.55 -0.07 (-1.25%)
Closing price 03:55 PM Eastern
Extended Trading
$5.55 0.00 (0.00%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Kentucky First Federal Bancorp

Annual Income Statements for Kentucky First Federal Bancorp

This table shows Kentucky First Federal Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 2.07 1.50 0.94 1.32 0.81 -3.22 12 1.59 0.93 -1.72 0.18
Consolidated Net Income / (Loss)		 2.07 1.50 0.94 1.32 0.81 -13 1.82 1.59 0.93 -1.72 0.18
Net Income / (Loss) Continuing Operations		 2.07 1.50 0.94 1.32 0.81 -3.22 12 1.59 0.93 -1.72 0.18
Total Pre-Tax Income 		3.09 2.10 1.45 1.29 0.95 -12 2.17 2.07 1.23 -1.96 0.24
Total Revenue		 11 11 10 10 9.69 9.72 11 9.68 9.16 7.25 8.84
Net Interest Income / (Expense)		 11 10 9.86 9.73 9.45 9.32 10 9.16 8.86 6.99 8.34
Total Interest Income		 12 12 11 12 13 13 12 11 13 16 19
Loans and Leases Interest Income		 12 12 11 12 12 12 12 11 12 15 18
Investment Securities Interest Income		 0.14 0.11 0.06 0.04 0.04 0.04 0.02 0.02 0.45 0.38 0.30
Deposits and Money Market Investments Interest Income		 - - - - 0.64 0.42 0.16 0.23 0.49 0.89 1.19
Total Interest Expense		 1.43 1.36 1.46 2.16 3.25 3.50 2.14 1.75 3.90 9.28 11
Deposits Interest Expense		 1.19 1.06 1.02 1.40 1.98 2.41 1.71 1.39 1.81 6.06 8.15
Long-Term Debt Interest Expense		 0.24 0.30 0.44 0.76 1.28 1.09 0.43 0.37 2.09 3.22 2.75
Total Non-Interest Income		 0.51 0.39 0.36 0.69 0.24 0.40 0.60 0.52 0.30 0.25 0.50
Other Service Charges		 0.27 0.27 0.29 0.20 0.19 0.17 0.18 0.22 0.21 0.15 0.21
Net Realized & Unrealized Capital Gains on Investments		 0.24 0.17 0.15 0.08 0.05 0.19 0.36 0.22 0.02 0.01 0.20
Other Non-Interest Income		 0.01 -0.06 -0.08 0.41 0.01 0.04 0.06 0.08 0.08 0.08 0.09
Provision for Credit Losses		 0.34 0.02 0.24 0.19 0.01 0.10 0.19 -0.06 0.11 0.02 0.04
Total Non-Interest Expense		 8.04 8.55 8.53 8.95 8.73 22 8.24 7.67 7.82 9.18 8.56
Salaries and Employee Benefits		 4.86 5.32 5.34 5.70 5.80 5.54 5.44 4.85 4.92 4.99 4.85
Net Occupancy & Equipment Expense		 1.04 1.07 1.30 1.36 1.36 1.26 1.32 1.18 0.73 0.71 0.69
Marketing Expense		 - - 0.25 0.25 0.23 0.17 0.15 0.14 0.15 0.17 0.19
Property & Liability Insurance Claims		 0.32 0.29 - - - 0.00 0.17 0.07 0.12 0.24 0.25
Other Operating Expenses		 1.82 1.87 1.64 1.64 1.34 1.38 1.16 1.43 1.90 2.13 2.59
Impairment Charge		 - - - - 0.00 14 0.00 - 0.00 0.95 0.00
Income Tax Expense		 1.02 0.60 0.51 -0.04 0.14 0.26 0.35 0.48 0.29 -0.24 0.06
Basic Earnings per Share		 $0.25 $0.18 $0.11 $0.16 $0.10 ($1.52) $0.22 $0.19 $0.11 ($0.21) $0.02
Weighted Average Basic Shares Outstanding		 8.44M 8.44M 0.00 8.43M 8.10M 8.25M 16.44M - 8.09M 8.09M 8.09M
Diluted Earnings per Share		 $0.25 $0.18 $0.11 $0.16 $0.10 ($1.52) $0.22 - - ($0.21) $0.02
Weighted Average Diluted Shares Outstanding		 8.44M 8.44M 0.00 8.43M 8.10M 8.25M 16.44M - 8.09M 8.09M 8.09M
Weighted Average Basic & Diluted Shares Outstanding		 8.44M 8.44M 0.00 8.43M 8.10M 8.25M 16.44M - 8.09M 8.09M 8.09M

Quarterly Income Statements for Kentucky First Federal Bancorp

This table shows Kentucky First Federal Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 -0.18 -0.36 -0.11 -1.07 -0.02 0.01 0.04 0.11 0.34 0.30 0.61
Consolidated Net Income / (Loss)		 -0.18 -0.36 -0.11 -1.08 -0.02 0.01 0.01 0.18 0.34 0.30 0.58
Net Income / (Loss) Continuing Operations		 -0.18 -0.36 -0.11 -1.07 -0.02 0.01 0.04 0.11 0.34 0.30 0.61
Total Pre-Tax Income 		-0.24 -0.46 -0.15 -1.12 -0.02 0.01 0.02 0.24 0.45 0.40 0.76
Total Revenue		 1.74 1.70 1.84 1.96 2.01 2.21 2.21 2.42 2.66 2.83 3.01
Net Interest Income / (Expense)		 1.67 1.66 1.77 1.90 1.87 2.04 2.13 2.30 2.50 2.66 2.87
Total Interest Income		 3.73 3.93 4.17 4.44 4.62 4.78 4.85 4.99 5.05 5.18 5.26
Loans and Leases Interest Income		 3.46 3.63 3.84 4.09 4.27 4.44 4.46 4.58 4.70 4.88 4.96
Investment Securities Interest Income		 0.10 0.09 0.10 0.09 0.08 0.08 0.07 0.07 0.10 0.11 0.10
Deposits and Money Market Investments Interest Income		 0.18 0.21 0.24 0.27 0.27 0.27 0.32 0.33 0.26 0.19 0.20
Total Interest Expense		 2.06 2.27 2.41 2.54 2.75 2.75 2.72 2.69 2.55 2.52 2.39
Deposits Interest Expense		 1.22 1.51 1.59 1.75 1.94 2.00 2.10 2.12 2.07 2.02 1.89
Long-Term Debt Interest Expense		 0.85 0.76 0.82 0.79 0.82 0.75 0.62 0.56 0.48 0.50 0.50
Total Non-Interest Income		 0.07 0.05 0.08 0.05 0.14 0.17 0.08 0.11 0.15 0.18 0.14
Other Service Charges		 0.05 0.02 0.05 0.04 0.06 0.06 0.04 0.06 0.07 0.06 0.05
Net Realized & Unrealized Capital Gains on Investments		 -0.00 0.01 0.01 - 0.06 0.09 0.02 0.04 0.07 0.10 0.06
Other Non-Interest Income		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.03
Provision for Credit Losses		 0.01 0.01 -0.03 0.04 0.02 0.00 0.02 0.00 0.00 0.01 0.04
Total Non-Interest Expense		 1.98 2.15 2.02 3.03 2.01 2.20 2.18 2.17 2.20 2.42 2.21
Salaries and Employee Benefits		 1.24 1.27 1.25 1.23 1.19 1.21 1.22 1.23 1.20 1.31 1.30
Net Occupancy & Equipment Expense		 0.18 0.17 0.19 0.18 0.17 0.17 0.18 0.17 0.17 0.17 0.18
Marketing Expense		 0.04 0.05 0.04 0.04 0.04 0.05 0.04 0.06 0.04 0.06 0.02
Property & Liability Insurance Claims		 0.04 0.07 0.06 0.07 0.06 0.26 0.12 0.06 0.06 0.20 0.08
Other Operating Expenses		 0.47 0.57 0.47 0.61 0.55 0.52 0.59 0.73 0.73 0.69 0.60
Income Tax Expense		 -0.07 -0.09 -0.04 -0.04 -0.01 -0.01 0.01 0.06 0.11 0.10 0.17
Basic Earnings per Share		 ($0.02) ($0.05) ($0.01) ($0.13) $0.00 $0.00 $0.00 $0.02 $0.04 $0.04 $0.07
Weighted Average Basic Shares Outstanding		 8.09M 8.09M 8.10M 0.00 8.09M 8.09M - 0.00 8.09M 8.09M 8.09M
Diluted Earnings per Share		 ($0.02) ($0.05) ($0.01) ($0.13) $0.00 $0.00 $0.00 $0.02 $0.04 $0.04 $0.07
Weighted Average Diluted Shares Outstanding		 8.09M 8.09M 8.10M 0.00 8.09M 8.09M - 0.00 8.09M 8.09M 8.09M
Weighted Average Basic & Diluted Shares Outstanding		 8.09M 8.09M 8.10M 0.00 8.09M 8.09M - 0.00 8.09M 8.09M 8.09M
Cash Dividends to Common per Share		 $0.10 $0.10 $0.00 - $0.00 $0.00 $0.00 - $0.00 $0.00 $0.00

Annual Cash Flow Statements for Kentucky First Federal Bancorp

This table details how cash moves in and out of Kentucky First Federal Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Net Change in Cash & Equivalents		 2.12 -0.53 -0.30 -2.86 -0.08 3.84 7.95 4.18 -18 10 1.19
Net Cash From Operating Activities		 3.10 1.45 2.10 1.15 1.00 1.04 1.58 2.64 1.15 -1.45 -0.09
Net Cash From Continuing Operating Activities		 3.10 1.45 2.10 1.15 1.00 1.04 1.58 2.64 1.15 -1.45 -0.09
Net Income / (Loss) Continuing Operations		 2.07 1.50 0.94 1.32 0.81 -13 1.82 1.59 0.93 -1.72 0.18
Consolidated Net Income / (Loss)		 2.07 1.50 0.94 1.32 0.81 -13 1.82 1.59 0.93 -1.72 0.18
Provision For Loan Losses		 0.34 0.02 0.24 0.19 0.01 0.10 0.19 -0.06 0.11 0.02 0.04
Depreciation Expense		 0.28 0.32 0.34 0.31 0.28 0.28 0.29 0.29 0.26 0.23 0.20
Amortization Expense		 0.22 0.14 0.13 0.11 0.10 0.10 0.03 -0.09 -0.09 -0.03 -0.05
Non-Cash Adjustments to Reconcile Net Income		 -0.47 0.05 -0.02 -0.38 0.04 13 -0.78 1.14 -0.17 0.36 -1.03
Changes in Operating Assets and Liabilities, net		 0.65 -0.57 0.47 -0.39 -0.24 0.24 0.03 -0.22 0.11 -0.32 0.58
Net Cash From Investing Activities		 4.82 3.93 -18 -13 -13 0.24 -8.85 13 -39 -17 6.12
Net Cash From Continuing Investing Activities		 4.82 3.93 -18 -13 -13 0.24 -8.85 13 -39 -17 6.12
Purchase of Property, Leasehold Improvements and Equipment		 -0.88 -1.11 -0.12 -0.15 -0.15 -0.17 -0.10 - -0.13 -0.07 -0.15
Purchase of Investment Securities		 -8.50 -15 -28 -16 -16 -7.74 -12 13 -45 -21 2.48
Sale and/or Maturity of Investments		 14 20 10 3.30 3.62 8.20 3.48 0.42 5.24 4.62 3.79
Net Cash From Financing Activities		 -5.79 -5.91 15 8.57 11 2.56 15 -12 21 28 -4.84
Net Cash From Continuing Financing Activities		 -5.79 -5.91 15 8.57 11 2.56 15 -12 21 28 -4.84
Net Change in Deposits		 -13 -11 -5.69 13 0.18 16 15 13 -14 30 21
Issuance of Debt		 24 33 47 25 43 24 52 9.00 135 85 15
Repayment of Debt		 -14 -27 -25 -27 -29 -35 -49 -32 -99 -86 -41
Payment of Dividends		 -1.39 -1.48 -1.49 -1.45 -1.44 -1.39 -1.39 -1.39 -1.36 -0.67 0.00
Other Financing Activities, Net		 0.08 0.04 0.08 -0.06 0.00 0.04 0.04 -0.07 0.03 0.12 -0.04
Cash Income Taxes Paid		 0.33 0.71 0.40 0.30 0.10 0.00 0.48 0.55 0.29 0.13 0.02

Quarterly Cash Flow Statements for Kentucky First Federal Bancorp

This table details how cash moves in and out of Kentucky First Federal Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 4.42 2.00 0.84 2.86 -1.02 3.71 6.78 -8.27 -4.86 5.05 1.62
Net Cash From Operating Activities		 -0.57 -0.52 -0.18 -0.19 -1.41 1.45 -0.16 0.03 0.45 -0.30 0.89
Net Cash From Continuing Operating Activities		 -0.57 -0.52 -0.18 -0.19 -1.41 1.45 -0.16 0.03 0.45 -0.30 0.89
Net Income / (Loss) Continuing Operations		 -0.18 -0.36 -0.11 -1.08 -0.02 0.01 0.01 0.18 0.34 0.30 0.58
Consolidated Net Income / (Loss)		 -0.18 -0.36 -0.11 -1.08 -0.02 0.01 0.01 0.18 0.34 0.30 0.58
Provision For Loan Losses		 0.01 0.01 -0.03 0.04 0.02 - 0.02 0.00 0.00 0.01 0.04
Depreciation Expense		 0.06 0.06 0.06 0.06 0.05 0.05 0.07 0.03 0.05 0.05 0.05
Amortization Expense		 -0.01 -0.01 -0.03 -0.08 -0.01 -0.00 -0.01 -0.05 -0.04 -0.09 -0.02
Non-Cash Adjustments to Reconcile Net Income		 -0.41 -0.11 0.21 0.76 -1.45 1.42 -0.29 -0.70 0.56 -0.29 -0.12
Changes in Operating Assets and Liabilities, net		 -0.05 -0.11 -0.28 0.12 0.00 -0.03 0.04 0.57 -0.46 -0.30 0.34
Net Cash From Investing Activities		 -3.55 -7.06 -2.11 -3.89 0.21 3.42 0.62 1.87 -0.50 -3.16 2.42
Net Cash From Continuing Investing Activities		 -3.55 -7.06 -2.11 -3.89 0.21 3.42 0.62 1.87 -0.50 -3.16 2.42
Purchase of Property, Leasehold Improvements and Equipment		 -0.02 -0.02 -0.02 -0.01 -0.00 -0.08 -0.07 -0.00 -0.01 -0.06 -0.06
Purchase of Investment Securities		 -4.87 -7.62 11 -20 -0.49 2.94 -2.79 2.82 -1.66 -2.86 2.35
Sale and/or Maturity of Investments		 1.35 0.59 -13 16 0.71 0.56 3.48 -0.95 1.16 -0.24 0.13
Net Cash From Financing Activities		 8.53 9.58 3.13 6.94 0.18 -1.16 6.31 -10 -4.80 8.51 -1.68
Net Cash From Continuing Financing Activities		 8.53 9.58 3.13 6.94 0.18 -1.16 6.31 -10 -4.80 8.51 -1.68
Net Change in Deposits		 26 -7.73 1.48 10 -1.22 8.14 14 0.18 -6.15 1.78 0.50
Issuance of Debt		 16 33 21 15 12 2.70 - 0.68 11 16 7.70
Repayment of Debt		 -34 -14 -20 -18 -11 -11 -8.37 -11 -9.71 -8.71 -10
Other Financing Activities, Net		 0.33 -0.79 0.31 0.27 0.33 -1.04 0.34 0.32 0.32 -0.94 0.34
Cash Income Taxes Paid		 0.13 - - - 0.00 - - 0.02 0.15 0.16 0.17

Annual Balance Sheets for Kentucky First Federal Bancorp

This table presents Kentucky First Federal Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Total Assets		 296 292 308 318 331 321 338 328 349 375 371
Cash and Due from Banks		 3.86 4.30 4.04 2.34 1.87 1.66 1.83 2.00 2.28 1.91 2.34
Federal Funds Sold		 - - - - - 0.00 5.00 15 0.67 0.70 8.58
Interest Bearing Deposits at Other Banks		 9.77 8.81 8.77 7.61 7.99 12 15 9.00 5.22 16 8.56
Trading Account Securities		 6.58 4.21 1.56 1.05 1.82 1.14 0.46 0.34 12 9.65 9.76
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 244 238 258 270 281 287 299 275 0.00 0.11 0.88
Premises and Equipment, Net		 5.24 6.02 5.81 5.65 5.03 4.92 4.70 4.56 4.44 4.27 4.21
Other Assets		 12 12 11 11 12 12 11 11 9.31 342 336
Total Liabilities & Shareholders' Equity		 296 292 308 318 331 321 338 328 349 375 371
Total Liabilities		 229 224 241 251 264 269 286 276 298 327 323
Non-Interest Bearing Deposits		 200 189 183 196 196 212 227 240 226 256 278
Interest Bearing Deposits		 0.70 0.74 0.82 0.76 0.76 0.80 0.84 0.77 0.79 0.91 0.87
Accrued Interest Payable		 0.03 0.02 0.02 0.02 0.03 0.03 0.02 0.01 0.07 0.18 0.95
Long-Term Debt		 27 33 56 53 67 55 57 34 70 69 43
Other Long-Term Liabilities		 1.92 1.81 1.88 1.70 1.16 1.41 1.19 1.35 1.05 0.76 0.70
Total Equity & Noncontrolling Interests		 67 68 67 67 66 52 52 52 51 48 48
Total Preferred & Common Equity		 67 68 67 67 66 52 52 52 51 48 48
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 67 68 67 67 66 52 52 52 51 48 48
Common Stock		 35 35 35 35 35 35 35 35 35 35 35
Retained Earnings		 35 35 34 34 34 20 20 21 20 17 18
Treasury Stock		 -0.94 -0.94 -1.36 -1.36 -2.26 -2.80 -2.97 -3.51 -3.97 -3.97 -3.97
Accumulated Other Comprehensive Income / (Loss)		 0.04 0.03 0.00 0.00 0.00 0.00 0.00 0.00 -0.43 -0.34 -0.15

Quarterly Balance Sheets for Kentucky First Federal Bancorp

This table presents Kentucky First Federal Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 9/30/2024 12/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
Total Assets		 357 366 369 376 374 381 366 375 375
Cash and Due from Banks		 1.80 17 1.91 2.88 4.74 2.58 1.86 2.33 2.29
Federal Funds Sold		 0.67 0.68 0.69 0.72 6.93 17 2.10 3.27 5.07
Interest Bearing Deposits at Other Banks		 10 12 13 14 9.30 8.11 11 14 14
Trading Account Securities		 11 11 0.22 9.42 8.63 8.20 12 11 10
Loans and Leases, Net of Allowance		 0.00 326 328 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 318 0.27 - 1.50 0.12 0.27 0.31 0.62 0.66
Premises and Equipment, Net		 4.40 4.36 4.32 4.22 4.25 4.24 4.17 4.18 4.20
Other Assets		 8.90 9.28 9.83 9.87 9.82 9.54 336 339 337
Total Liabilities & Shareholders' Equity		 357 366 369 376 374 381 366 375 375
Total Liabilities		 307 317 320 327 326 333 318 326 325
Non-Interest Bearing Deposits		 252 245 246 255 263 277 271 273 274
Interest Bearing Deposits		 1.12 0.33 0.64 1.24 0.21 0.55 1.19 0.26 0.59
Accrued Interest Payable		 0.16 0.17 0.15 0.24 0.48 0.64 0.40 0.51 0.71
Long-Term Debt		 53 71 72 70 62 53 44 51 49
Other Long-Term Liabilities		 0.91 0.93 0.84 0.97 0.62 0.58 0.93 0.77 0.96
Total Equity & Noncontrolling Interests		 50 49 49 48 48 48 49 49 50
Total Preferred & Common Equity		 50 49 49 48 48 48 49 49 50
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 50 49 49 48 48 48 49 49 50
Common Stock		 35 35 35 35 35 35 35 35 35
Retained Earnings		 19 19 18 17 17 17 18 18 19
Treasury Stock		 -3.97 -3.97 -3.97 -3.97 -3.97 -3.97 -3.97 -3.97 -3.97
Accumulated Other Comprehensive Income / (Loss)		 -0.57 -0.33 -0.40 -0.10 -0.28 -0.19 -0.08 -0.06 -0.09

Annual Metrics And Ratios for Kentucky First Federal Bancorp

This table displays calculated financial ratios and metrics derived from Kentucky First Federal Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
DEI Shares Outstanding		 8,439,515.00 8,439,515.00 0.00 8,444,515.00 8,374,315.00 8,262,215.00 8,226,715.00 8,218,215.00 8,097,695.00 8,086,715.00 8,086,715.00
DEI Adjusted Shares Outstanding		 8,439,515.00 8,439,515.00 0.00 8,444,515.00 8,374,315.00 8,262,215.00 8,226,715.00 8,218,215.00 8,097,695.00 8,086,715.00 8,086,715.00
DEI Earnings Per Adjusted Shares Outstanding		 0.25 0.18 0.00 0.16 0.10 -1.52 0.22 0.19 0.12 -0.21 0.02
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.38% -7.09% -4.13% 1.91% -6.96% 0.33% 9.08% -8.78% -5.34% -20.89% 22.03%
EBITDA Growth		 6.09% -28.84% -24.94% -11.22% -21.62% -992.28% 120.94% -9.35% -38.45% -233.29% 118.99%
EBIT Growth		 7.07% -32.14% -30.95% -11.19% -25.89% -1,388.88% 117.68% -4.83% -40.64% -259.74% 112.14%
NOPAT Growth		 6.98% -27.45% -37.71% 41.50% -38.62% -1,962.67% 56.57% 124.21% -41.32% -247.05% 113.19%
Net Income Growth		 6.98% -27.45% -37.71% 41.50% -38.62% -1,645.20% 114.51% -12.64% -41.32% -284.46% 110.52%
EPS Growth		 8.70% -28.00% -38.89% 45.45% -37.50% -1,620.00% 114.47% 0.00% 0.00% 0.00% 109.52%
Operating Cash Flow Growth		 24.49% -53.29% 44.95% -45.18% -12.79% 3.99% 51.73% 67.05% -56.38% -226.22% 94.09%
Free Cash Flow Firm Growth		 -188.33% 29.40% -302.98% 118.78% -398.30% 194.26% -181.14% 370.73% -236.91% 107.23% 966.65%
Invested Capital Growth		 11.31% 7.21% 22.04% -2.17% 10.58% -19.82% 2.39% -21.14% 40.31% -3.16% -22.10%
Revenue Q/Q Growth		 -1.45% -1.11% -1.69% -0.09% -0.38% 0.22% 4.09% -2.36% -4.19% -3.58% 5.48%
EBITDA Q/Q Growth		 5.25% -7.33% -12.27% -17.70% 33.13% -843.47% 121.83% -3.29% -30.48% -326.21% 135.09%
EBIT Q/Q Growth		 6.22% -10.04% -13.71% -21.73% 56.74% -1,105.16% 118.47% -4.22% -30.36% -239.69% 121.31%
NOPAT Q/Q Growth		 5.78% -9.31% -44.28% -19.48% 54.96% -1,579.93% 20.21% -23.41% -14.95% -147.79% 123.17%
Net Income Q/Q Growth		 5.78% -9.31% -15.00% -13.36% 54.96% -1,327.69% 114.99% -23.41% -14.95% -186.36% 116.87%
EPS Q/Q Growth		 8.70% -10.00% -21.43% -11.11% 66.67% -1,269.23% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 13.32% -26.93% 50.47% -35.27% 40.93% -10.02% 17.11% 80.15% -53.90% -30.05% 71.43%
Free Cash Flow Firm Q/Q Growth		 -214.69% 46.68% -17.04% -30.19% -137.61% 279.78% -224.88% 79.65% 9.97% -75.88% 37.02%
Invested Capital Q/Q Growth		 4.75% -0.51% 1.52% 2.78% 8.52% -11.60% 3.89% -7.85% -8.51% -3.61% -10.29%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 31.28% 23.96% 18.76% 16.34% 13.77% -122.42% 23.51% 23.36% 15.19% -25.59% 3.98%
EBIT Margin		 26.93% 19.67% 14.17% 12.35% 9.83% -126.33% 20.48% 21.36% 13.40% -27.05% 2.69%
Profit (Net Income) Margin		 18.03% 14.08% 9.15% 12.70% 8.38% -129.04% 17.16% 16.43% 10.19% -23.75% 2.05%
Tax Burden Percent		 66.96% 71.58% 64.57% 102.88% 85.20% 102.15% 83.79% 76.92% 76.04% 87.81% 76.05%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 33.04% 28.42% 35.43% -2.88% 14.80% 0.00% 16.21% 23.08% 23.96% 0.00% 23.95%
Return on Invested Capital (ROIC)		 2.32% 1.54% 0.84% 1.09% 0.64% -12.62% -6.09% 1.63% 0.90% -1.15% 0.17%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.32% 1.54% 0.84% 1.09% 0.64% -8.38% 8.95% 1.63% 0.90% -1.66% 0.17%
Return on Net Nonoperating Assets (RNNOA)		 0.76% 0.68% 0.55% 0.88% 0.58% -8.61% 9.58% 1.42% 0.91% -2.33% 0.20%
Return on Equity (ROE)		 3.08% 2.23% 1.39% 1.97% 1.22% -21.23% 3.49% 3.05% 1.82% -3.49% 0.38%
Cash Return on Invested Capital (CROIC)		 -8.38% -5.42% -19.02% 3.28% -9.41% 9.37% -8.44% 25.27% -32.65% 2.05% 25.02%
Operating Return on Assets (OROA)		 1.04% 0.71% 0.48% 0.41% 0.29% -3.77% 0.66% 0.62% 0.36% -0.54% 0.06%
Return on Assets (ROA)		 0.69% 0.51% 0.31% 0.42% 0.25% -3.85% 0.55% 0.48% 0.28% -0.48% 0.05%
Return on Common Equity (ROCE)		 3.08% 2.23% 1.39% 1.97% 1.22% -21.23% 3.49% 3.05% 1.82% -3.49% 0.38%
Return on Equity Simple (ROE_SIMPLE)		 3.07% 2.22% 1.39% 1.97% 1.23% -24.17% 3.48% 3.06% 1.84% -3.59% 0.37%
Net Operating Profit after Tax (NOPAT)		 2.07 1.50 0.94 1.32 0.81 -15 -6.57 1.59 0.93 -1.37 0.18
NOPAT Margin		 18.03% 14.08% 9.15% 12.70% 8.38% -155.56% -61.93% 16.43% 10.19% -18.94% 2.05%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% -4.25% -15.03% 0.00% 0.00% 0.50% 0.00%
SG&A Expenses to Revenue		 51.40% 59.89% 67.41% 70.15% 76.19% 71.64% 65.21% 63.72% 63.33% 81.02% 64.68%
Operating Expenses to Revenue		 70.08% 80.19% 83.47% 85.88% 90.05% 225.27% 77.71% 79.26% 85.37% 126.72% 96.87%
Earnings before Interest and Taxes (EBIT)		 3.09 2.10 1.45 1.29 0.95 -12 2.17 2.07 1.23 -1.96 0.24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.59 2.55 1.92 1.70 1.33 -12 2.49 2.26 1.39 -1.85 0.35
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.68 0.70 0.84 0.79 0.78 0.89 1.02 1.17 0.98 0.53 0.00
Price to Tangible Book Value (P/TBV)		 0.87 0.89 1.08 1.01 0.99 0.90 1.04 1.19 0.99 0.53 0.00
Price to Revenue (P/Rev)		 4.01 4.41 5.55 5.09 5.30 4.74 5.02 6.29 5.41 3.53 0.00
Price to Earnings (P/E)		 22.22 31.33 60.66 40.07 63.29 0.00 4.50 38.28 53.06 0.00 0.00
Dividend Yield		 7.34% 7.18% 5.96% 6.37% 6.52% 7.18% 6.19% 4.05% 4.91% 9.49% 0.00%
Earnings Yield		 4.50% 3.19% 1.65% 2.50% 1.58% 0.00% 22.24% 2.61% 1.88% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.63 0.63 0.78 0.75 0.76 0.80 0.81 0.80 0.92 0.65 0.00
Enterprise Value to Revenue (EV/Rev)		 5.14 5.95 9.34 8.68 10.45 8.73 8.31 7.14 12.17 10.53 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 16.43 24.83 49.81 53.13 75.92 0.00 35.37 30.58 80.10 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 19.09 30.25 65.95 70.32 106.27 0.00 40.60 33.43 90.81 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 28.50 42.25 102.13 68.35 124.72 0.00 0.00 43.46 119.42 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 19.05 43.86 45.56 78.70 101.07 81.42 55.78 26.17 96.72 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 22.64 0.00 7.55 0.00 2.80 0.00 31.24 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.40 0.49 0.83 0.79 1.01 1.05 1.09 0.65 1.38 1.44 0.88
Long-Term Debt to Equity		 0.40 0.49 0.83 0.79 1.01 1.05 1.09 0.65 1.38 1.44 0.88
Financial Leverage		 0.33 0.44 0.66 0.81 0.90 1.03 1.07 0.87 1.01 1.41 1.16
Leverage Ratio		 4.43 4.36 4.46 4.67 4.86 5.52 6.33 6.39 6.59 7.33 7.74
Compound Leverage Factor		 4.43 4.36 4.46 4.67 4.86 5.52 6.33 6.39 6.59 7.33 7.74
Debt to Total Capital		 28.35% 32.97% 45.38% 44.12% 50.16% 51.31% 52.10% 39.57% 58.02% 58.97% 46.92%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 28.35% 32.97% 45.38% 44.12% 50.16% 51.31% 52.10% 39.57% 58.02% 58.97% 46.92%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 71.65% 67.03% 54.62% 55.88% 49.84% 48.69% 47.90% 60.44% 41.98% 41.03% 53.08%
Debt to EBITDA		 7.42 13.00 29.10 31.17 50.00 -4.60 22.81 15.07 50.39 -37.21 121.48
Net Debt to EBITDA		 3.62 6.42 20.23 21.98 37.39 -3.26 14.03 3.65 44.51 -27.35 66.14
Long-Term Debt to EBITDA		 7.42 13.00 29.10 31.17 50.00 -4.60 22.81 15.07 50.39 -37.21 121.48
Debt to NOPAT		 12.87 22.13 59.66 40.10 82.15 -3.62 -8.66 21.43 75.12 -50.28 236.24
Net Debt to NOPAT		 6.28 10.92 41.47 28.28 61.43 -2.56 -5.33 5.18 66.37 -36.95 128.62
Long-Term Debt to NOPAT		 12.87 22.13 59.66 40.10 82.15 -3.62 -8.66 21.43 75.12 -50.28 236.24
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -7.47 -5.28 -21 3.99 -12 11 -9.11 25 -34 2.44 26
Operating Cash Flow to CapEx		 350.23% 130.51% 1,690.32% 760.93% 0.00% 631.52% 1,565.35% 0.00% 0.00% -2,203.03% -57.72%
Free Cash Flow to Firm to Interest Expense		 -5.23 -3.88 -14.60 1.85 -3.66 3.21 -4.26 14.06 -8.66 0.26 2.39
Operating Cash Flow to Interest Expense		 2.17 1.06 1.44 0.53 0.31 0.30 0.74 1.51 0.30 -0.16 -0.01
Operating Cash Flow Less CapEx to Interest Expense		 1.55 0.25 1.35 0.46 0.37 0.25 0.69 1.51 0.31 -0.16 -0.02
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02
Fixed Asset Turnover		 2.33 1.89 1.73 1.82 1.81 1.96 2.21 2.09 2.04 1.67 2.09
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 94 101 123 120 133 107 109 86 121 117 91
Invested Capital Turnover		 0.13 0.11 0.09 0.09 0.08 0.08 0.10 0.10 0.09 0.06 0.09
Increase / (Decrease) in Invested Capital		 9.54 6.78 22 -2.67 13 -26 2.54 -23 35 -3.81 -26
Enterprise Value (EV)		 59 63 95 90 101 85 88 69 111 76 0.00
Market Capitalization		 46 47 57 53 51 46 53 61 50 26 0.00
Book Value per Share		 $7.98 $8.00 $7.95 $7.96 $7.91 $6.28 $6.36 $6.33 $6.26 $0.00 $0.00
Tangible Book Value per Share		 $6.26 $6.28 $6.23 $6.24 $6.18 $6.17 $6.24 $6.22 $6.15 $0.00 $0.00
Total Capital		 94 101 123 120 133 107 109 86 121 117 91
Total Debt		 27 33 56 53 67 55 57 34 70 69 43
Total Long-Term Debt		 27 33 56 53 67 55 57 34 70 69 43
Net Debt		 13 16 39 37 50 39 35 8.24 62 51 23
Capital Expenditures (CapEx)		 0.88 1.11 0.12 0.15 -0.19 0.17 0.10 0.00 -0.05 0.07 0.15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 -2.58 -8.39 0.00 0.00 0.35 0.00
Net Nonoperating Obligations (NNO)		 27 33 56 53 67 55 57 34 70 69 43
Total Depreciation and Amortization (D&A)		 0.50 0.46 0.47 0.42 0.38 0.38 0.32 0.19 0.16 0.11 0.11
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.25 $0.18 $0.11 $0.16 $0.10 ($1.52) $0.22 $0.00 $0.11 ($0.21) $0.02
Adjusted Weighted Average Basic Shares Outstanding		 8.44M 8.44M 0.00 8.43M 8.37M 8.25M 16.44M 0.00 8.09M 0.00 0.00
Adjusted Diluted Earnings per Share		 $0.25 $0.18 $0.11 $0.16 $0.10 ($1.52) $0.22 $0.00 $0.00 $0.00 $0.02
Adjusted Weighted Average Diluted Shares Outstanding		 8.44M 8.44M 0.00 8.43M 8.37M 8.25M 16.44M 0.00 8.09M 0.00 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.25 $0.18 $0.11 $0.16 $0.10 ($1.52) $0.22 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.44M 8.44M 0.00 8.43M 8.37M 8.25M 16.44M 0.00 8.09M 0.00 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 2.07 1.50 0.94 0.90 0.81 -5.63 -6.57 1.59 0.93 -0.71 0.18
Normalized NOPAT Margin		 18.03% 14.08% 9.15% 8.64% 8.38% -57.93% -61.93% 16.43% 10.19% -9.79% 2.05%
Pre Tax Income Margin		 26.93% 19.67% 14.17% 12.35% 9.83% -126.33% 20.48% 21.36% 13.40% -27.05% 2.69%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.16 1.54 0.99 0.60 0.29 -3.51 1.01 1.18 0.31 -0.21 0.02
NOPAT to Interest Expense		 1.45 1.10 0.64 0.61 0.25 -4.32 -3.07 0.91 0.24 -0.15 0.02
EBIT Less CapEx to Interest Expense		 1.54 0.73 0.91 0.53 0.35 -3.56 0.97 1.18 0.33 -0.22 0.01
NOPAT Less CapEx to Interest Expense		 0.83 0.29 0.56 0.54 0.31 -4.37 -3.12 0.91 0.25 -0.15 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 66.94% 98.60% 159.04% 109.83% 176.85% -11.06% 76.26% 87.67% 146.09% -38.93% 0.00%
Augmented Payout Ratio		 100.68% 98.60% 159.04% 109.83% 288.18% -15.38% 85.44% 121.64% 195.50% -38.93% 0.00%

Quarterly Metrics And Ratios for Kentucky First Federal Bancorp

This table displays calculated financial ratios and metrics derived from Kentucky First Federal Bancorp's official financial filings.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00
DEI Adjusted Shares Outstanding		 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00 8,086,715.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.02 -0.04 -0.01 -0.13 0.00 0.00 0.00 0.02 0.04 0.04 0.07
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -31.23% -28.95% -7.99% -12.07% 11.90% 29.71% 20.02% 23.43% 33.13% 28.29% 35.90%
EBITDA Growth		 -137.03% -197.37% -176.03% -487.07% 75.63% 112.99% 167.57% 119.07% 931.25% 586.79% 954.67%
EBIT Growth		 -150.72% -223.98% -266.67% -491.55% 67.34% 101.32% 110.34% 121.85% 579.01% 6,583.33% 4,933.33%
NOPAT Growth		 -145.79% -185.16% -170.49% -1,960.00% 91.39% 104.08% 106.90% 122.53% 2,440.14% 2,238.46% 8,200.00%
Net Income Growth		 -146.92% -196.52% -174.31% -2,666.67% 91.43% 103.60% 106.54% 116.33% 2,393.33% 2,238.46% 8,200.00%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 100.00% 100.00% 100.00% 115.38% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 -230.73% -242.23% -188.44% -224.00% -146.84% 377.20% 11.93% 115.59% 131.98% -120.94% 671.61%
Free Cash Flow Firm Growth		 -101.65% 118.94% 127.49% 108.75% -108,465.54% 137.57% 87.15% 758.63% 262.18% -7.29% -81.99%
Invested Capital Growth		 -0.15% -3.75% -8.09% -3.16% 15.70% -8.61% -16.30% -22.10% -21.74% -8.46% -2.94%
Revenue Q/Q Growth		 -21.90% -2.13% 8.22% 6.29% -0.61% 13.46% 0.14% 9.31% 7.20% 9.34% 6.07%
EBITDA Q/Q Growth		 -167.01% -107.11% 72.79% -925.23% 95.78% 210.42% 41.51% 189.33% 83.87% -8.77% 117.31%
EBIT Q/Q Growth		 -187.32% -83.47% 68.13% -666.90% 92.72% 107.41% 150.00% 1,520.00% 59.67% 3.35% 88.28%
NOPAT Q/Q Growth		 -506.67% -86.48% 68.13% -669.66% 98.12% 188.44% -46.15% 2,414.29% 95.45% -11.63% 91.12%
Net Income Q/Q Growth		 -516.67% -106.29% 70.36% -907.48% 98.61% 186.67% -46.15% 2,414.29% 95.45% -11.63% 91.12%
EPS Q/Q Growth		 0.00% -150.00% 80.00% -1,200.00% 100.00% 0.00% 0.00% 0.00% 100.00% 0.00% 75.00%
Operating Cash Flow Q/Q Growth		 -480.00% 8.42% 66.28% -5.68% -656.45% 202.84% -110.71% 118.71% 1,451.72% -167.33% 392.41%
Free Cash Flow Firm Q/Q Growth		 99.96% 29,556.08% 142.56% -71.33% -629.97% 164.46% 91.08% 31.54% 0.10% -63.15% -62.87%
Invested Capital Q/Q Growth		 -15.38% 17.58% 0.97% -3.61% 1.11% -7.13% -7.53% -10.29% 1.57% 8.63% -1.94%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -11.32% -23.96% -6.02% -58.09% -2.47% 2.40% 3.39% 8.97% 15.39% 12.84% 26.31%
EBIT Margin		 -14.25% -26.72% -7.87% -56.76% -4.16% 0.27% 0.68% 10.05% 14.97% 14.15% 25.12%
Profit (Net Income) Margin		 -10.06% -21.20% -5.81% -55.03% -0.77% 0.59% 0.32% 7.28% 13.27% 10.73% 19.33%
Tax Burden Percent		 71.72% 79.34% 73.79% 96.60% 71.43% 216.67% 46.67% 73.95% 75.94% 75.81% 76.95%
Interest Burden Percent		 98.39% 100.00% 100.00% 100.36% 25.93% 100.00% 100.00% 97.94% 116.75% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 0.00% -116.67% 53.33% 26.05% 24.06% 24.19% 23.05%
Return on Invested Capital (ROIC)		 -0.80% -1.17% -0.33% -2.43% -0.05% 0.04% 0.02% 0.62% 1.19% 1.03% 2.11%
ROIC Less NNEP Spread (ROIC-NNEP)		 -0.81% -1.23% -0.33% -2.86% -0.05% 0.04% 0.02% 0.62% 1.19% 1.03% 2.11%
Return on Net Nonoperating Assets (RNNOA)		 -0.83% -1.76% -0.51% -4.03% -0.06% 0.06% 0.03% 0.72% 1.40% 1.20% 2.20%
Return on Equity (ROE)		 -1.63% -2.93% -0.84% -6.46% -0.12% 0.10% 0.05% 1.34% 2.60% 2.23% 4.31%
Cash Return on Invested Capital (CROIC)		 0.53% 3.56% 7.99% 2.05% -15.66% 8.22% 17.05% 25.02% 24.91% 9.63% 4.39%
Operating Return on Assets (OROA)		 -0.35% -0.58% -0.17% -1.14% -0.08% 0.01% 0.02% 0.24% 0.38% 0.38% 0.73%
Return on Assets (ROA)		 -0.24% -0.46% -0.12% -1.10% -0.02% 0.01% 0.01% 0.17% 0.34% 0.29% 0.56%
Return on Common Equity (ROCE)		 -1.63% -2.93% -0.84% -6.46% -0.12% 0.10% 0.05% 1.34% 2.60% 2.23% 4.31%
Return on Equity Simple (ROE_SIMPLE)		 0.78% -0.71% -1.23% 0.00% -3.24% -2.47% -2.23% 0.00% 1.11% 1.69% 2.83%
Net Operating Profit after Tax (NOPAT)		 -0.17 -0.32 -0.10 -0.78 -0.01 0.01 0.01 0.18 0.34 0.30 0.58
NOPAT Margin		 -9.82% -18.70% -5.51% -39.88% -0.76% 0.59% 0.32% 7.28% 13.27% 10.73% 19.33%
Net Nonoperating Expense Percent (NNEP)		 0.01% 0.06% 0.01% 0.43% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 83.97% 87.38% 79.76% 74.07% 71.85% 64.64% 65.05% 60.05% 54.63% 54.13% 49.90%
Operating Expenses to Revenue		 113.91% 126.19% 109.39% 154.87% 103.39% 99.73% 98.37% 89.83% 85.03% 85.50% 73.52%
Earnings before Interest and Taxes (EBIT)		 -0.25 -0.46 -0.15 -1.11 -0.08 0.01 0.02 0.24 0.39 0.40 0.76
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -0.20 -0.41 -0.11 -1.14 -0.05 0.05 0.08 0.22 0.40 0.36 0.79
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.81 0.73 0.63 0.53 0.46 0.00 0.00 0.00 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.82 0.74 0.64 0.53 0.46 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 4.79 4.67 4.11 3.53 2.96 0.00 0.00 0.00 0.00 0.00 0.00
Price to Earnings (P/E)		 105.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 6.05% 6.77% 7.85% 9.49% 10.99% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.95% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.78 0.65 0.72 0.65 0.63 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 9.57 10.12 11.69 10.53 10.05 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 121.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 163.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 208.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 548.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 148.06 17.79 8.68 31.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.06 1.44 1.48 1.44 1.45 1.29 1.11 0.88 0.90 1.05 0.99
Long-Term Debt to Equity		 1.06 1.44 1.48 1.44 1.45 1.29 1.11 0.88 0.90 1.05 0.99
Financial Leverage		 1.02 1.43 1.53 1.41 1.25 1.37 1.29 1.16 1.17 1.17 1.05
Leverage Ratio		 6.79 6.96 7.11 7.33 7.48 7.61 7.72 7.74 7.65 7.71 7.72
Compound Leverage Factor		 6.68 6.96 7.11 7.36 1.94 7.61 7.72 7.58 8.93 7.71 7.72
Debt to Total Capital		 51.43% 59.08% 59.61% 58.97% 59.23% 56.25% 52.60% 46.92% 47.30% 51.17% 49.63%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 51.43% 59.08% 59.61% 58.97% 59.23% 56.25% 52.60% 46.92% 47.30% 51.17% 49.63%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 48.57% 40.92% 40.39% 41.03% 40.77% 43.75% 47.40% 53.08% 52.70% 48.83% 50.37%
Debt to EBITDA		 79.42 -430.35 -166.32 -37.21 -41.09 -49.67 -50.50 121.48 54.80 46.35 26.80
Net Debt to EBITDA		 60.41 -253.58 -130.86 -27.35 -30.96 -32.81 -24.27 66.14 36.49 28.63 15.14
Long-Term Debt to EBITDA		 79.42 -430.35 -166.32 -37.21 -41.09 -49.67 -50.50 121.48 54.80 46.35 26.80
Debt to NOPAT		 136.56 -226.43 -130.66 -50.28 -57.62 -69.18 -68.39 236.24 81.08 61.91 34.83
Net Debt to NOPAT		 103.87 -133.42 -102.81 -36.95 -43.41 -45.70 -32.86 128.62 54.00 38.24 19.67
Long-Term Debt to NOPAT		 136.56 -226.43 -130.66 -50.28 -57.62 -69.18 -68.39 236.24 81.08 61.91 34.83
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -0.01 4.36 11 3.03 -16 10 20 26 26 9.60 3.57
Operating Cash Flow to CapEx		 -2,714.29% -2,175.00% -1,173.33% -3,100.00% -70,350.00% 1,786.42% -238.46% 2,900.00% 9,000.00% -473.44% 1,406.35%
Free Cash Flow to Firm to Interest Expense		 -0.01 1.92 4.39 1.19 -5.84 3.77 7.29 9.70 10.23 3.81 1.49
Operating Cash Flow to Interest Expense		 -0.28 -0.23 -0.07 -0.07 -0.51 0.53 -0.06 0.01 0.18 -0.12 0.37
Operating Cash Flow Less CapEx to Interest Expense		 -0.29 -0.24 -0.08 -0.08 -0.51 0.50 -0.08 0.01 0.17 -0.15 0.34
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.03 0.03
Fixed Asset Turnover		 1.87 1.72 1.71 1.67 1.73 1.85 1.95 2.09 2.26 2.40 2.59
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 102 120 121 117 118 110 102 91 93 101 99
Invested Capital Turnover		 0.08 0.06 0.06 0.06 0.07 0.07 0.07 0.09 0.09 0.10 0.11
Increase / (Decrease) in Invested Capital		 -0.16 -4.68 -11 -3.81 16 -10 -20 -26 -26 -9.30 -2.98
Enterprise Value (EV)		 80 78 88 76 75 0.00 0.00 0.00 0.00 0.00 0.00
Market Capitalization		 40 36 31 26 22 0.00 0.00 0.00 0.00 0.00 0.00
Book Value per Share		 $6.14 $6.08 $6.06 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $6.14
Tangible Book Value per Share		 $6.02 $5.96 $5.94 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $6.14
Total Capital		 102 120 121 117 118 110 102 91 93 101 99
Total Debt		 53 71 72 69 70 62 53 43 44 51 49
Total Long-Term Debt		 53 71 72 69 70 62 53 43 44 51 49
Net Debt		 40 42 57 51 53 41 26 23 29 32 28
Capital Expenditures (CapEx)		 0.02 0.02 0.02 0.01 0.00 0.08 0.07 0.00 0.01 0.06 0.06
Net Nonoperating Expense (NNE)		 0.00 0.04 0.01 0.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 53 71 72 69 70 62 53 43 44 51 49
Total Depreciation and Amortization (D&A)		 0.05 0.05 0.03 -0.03 0.03 0.05 0.06 -0.03 0.01 -0.04 0.04
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.02) ($0.05) ($0.01) ($0.13) $0.00 $0.00 $0.00 $0.02 $0.04 $0.04 $0.07
Adjusted Weighted Average Basic Shares Outstanding		 8.09M 8.09M 8.10M 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.09M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 ($0.13) $0.00 $0.00 $0.00 $0.02 $0.04 $0.04 $0.07
Adjusted Weighted Average Diluted Shares Outstanding		 8.09M 8.09M 8.10M 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.09M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.09M 8.09M 8.10M 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.09M
Normalized Net Operating Profit after Tax (NOPAT)		 -0.17 -0.32 -0.10 -0.78 -0.06 0.00 0.01 0.18 0.29 0.30 0.58
Normalized NOPAT Margin		 -9.82% -18.70% -5.51% -39.88% -2.91% 0.19% 0.47% 7.28% 11.37% 10.73% 19.33%
Pre Tax Income Margin		 -14.02% -26.72% -7.87% -56.97% -1.08% 0.27% 0.68% 9.84% 17.48% 14.15% 25.12%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -0.12 -0.20 -0.06 -0.44 -0.03 0.00 0.01 0.09 0.15 0.16 0.32
NOPAT to Interest Expense		 -0.08 -0.14 -0.04 -0.31 -0.01 0.00 0.00 0.07 0.14 0.12 0.24
EBIT Less CapEx to Interest Expense		 -0.13 -0.21 -0.07 -0.44 -0.03 -0.03 -0.02 0.09 0.15 0.13 0.29
NOPAT Less CapEx to Interest Expense		 -0.09 -0.15 -0.05 -0.31 -0.01 -0.02 -0.02 0.07 0.13 0.10 0.22
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 352.21% -385.43% -167.72% -38.93% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 352.21% -385.43% -167.72% -38.93% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

Kentucky First Federal Bancorp (NASDAQ: KFFB) showed a meaningful year-over-year improvement in profitability in Q3 2026, but the underlying trend still looks uneven. The company posted $613,000 in net income from continuing operations in Q3 2026, up from $304,000 in Q2 2026 and well above the loss of $15,000 in Q1 2026. Compared with the prior year, results also improved sharply from a Q3 2025 loss of $107,000. That said, revenue growth remains modest and deposit and debt trends deserve attention.

On the balance sheet, KFFB ended Q3 2026 with $374.5 million in assets, roughly in line with prior quarters. Equity was $49.7 million, while total liabilities were $324.9 million. The company continues to rely heavily on deposits and long-term debt, and the mix shifted noticeably over the last year. Non-interest-bearing deposits remain the largest funding source, but interest-bearing deposits and debt balances have moved around meaningfully, which can affect funding costs and earnings stability.

Cash flow was a mixed bag. Operating cash flow was solid in Q3 2026 at $886,000, a big improvement from the weak Q1 2026 figure of $450,000 and a turnaround from negative operating cash in several 2025 and 2024 quarters. However, financing cash flow was negative in Q3 2026, reflecting debt repayment that exceeded new borrowing. That suggests management is actively managing leverage, but it also means the company may be using cash to deleverage rather than expand aggressively.

  • Q3 2026 profitability improved sharply, with net income from continuing operations rising to $613,000 from $304,000 in Q2 2026.
  • Year-over-year earnings improved materially, as Q3 2026 reversed the Q3 2025 loss of $107,000.
  • Operating cash flow strengthened, reaching $886,000 in Q3 2026 versus $450,000 in Q1 2026.
  • Revenue held up quarter over quarter, with Q3 2026 total revenue of $3.0 million above Q2 2026’s $2.8 million.
  • Provision for credit losses stayed low at $41,000 in Q3 2026, which suggests credit costs were manageable in the quarter.
  • Asset size was stable, with total assets of $374.5 million in Q3 2026 versus $375.3 million in Q2 2026.
  • Equity remained steady, ending Q3 2026 at $49.7 million, only slightly above Q2 2026.
  • Loan-related income improved modestly, but the balance sheet still appears to be driven more by securities, deposits, and other assets than by a traditional loan-growth story.
  • Interest expense remains significant, so profitability still depends on maintaining a favorable spread between asset yields and funding costs.
  • Q3 2026 net interest income was only $2.9 million, which remains relatively modest for a bank with this asset base.
  • Funding mix remains sensitive, with long-term debt still elevated at $48.9 million in Q3 2026.
  • Deposits have been volatile across recent quarters, which can make earnings less predictable.
  • Non-interest income is small relative to total revenue, limiting diversification outside core spread income.

Overall, KFFB looks better than it did a year ago, especially on earnings and operating cash flow. The improved quarter suggests the bank can still generate profits, but the business remains highly dependent on interest rate conditions, deposit stability, and disciplined expense control. For retail investors, the key question is whether this recent earnings rebound can turn into a more durable trend.

08/07/26 04:55 PM ETAI Generated. May Contain Errors.

Kentucky First Federal Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Kentucky First Federal Bancorp's fiscal year ends in June. Their fiscal year 2025 ended on June 30, 2025.

Kentucky First Federal Bancorp's net income appears to be on an upward trend, with a most recent value of $181 thousand in 2025, falling from $2.07 million in 2015. The previous period was -$1.72 million in 2024. See where experts think Kentucky First Federal Bancorp is headed by visiting Kentucky First Federal Bancorp's forecast page.

Over the last 10 years, Kentucky First Federal Bancorp's total revenue changed from $11.48 million in 2015 to $8.84 million in 2025, a change of -23.0%.

Kentucky First Federal Bancorp's total liabilities were at $322.84 million at the end of 2025, a 1.3% decrease from 2024, and a 41.0% increase since 2015.

In the past 10 years, Kentucky First Federal Bancorp's cash and equivalents has ranged from $1.66 million in 2020 to $4.30 million in 2016, and is currently $2.34 million as of their latest financial filing in 2025.

Over the last 10 years, Kentucky First Federal Bancorp's book value per share changed from 7.98 in 2015 to 0.00 in 2025, a change of -100.0%.


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Financial statements for NASDAQ:KFFB last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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