Kentucky First Federal Bancorp (KFFB) Financials

$5.18 +0.14 (+2.68%)

As of 12:44 PM Eastern

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

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

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

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

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

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

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%

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

Kentucky First Federal Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Kentucky First Federal Bancorp's financial year ends in June. Their financial 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. View Kentucky First Federal Bancorp's forecast to see where analysts expect Kentucky First Federal Bancorp to go next.

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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Kentucky First Federal Bancorp (KFFB) Financials

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Kentucky First Federal Bancorp Financials - Frequently Asked Questions

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Kentucky First Federal Bancorp (KFFB) Financials

Annual Income Statements for Kentucky First Federal Bancorp

Quarterly Income Statements for Kentucky First Federal Bancorp

Annual Cash Flow Statements for Kentucky First Federal Bancorp

Quarterly Cash Flow Statements for Kentucky First Federal Bancorp

Annual Balance Sheets for Kentucky First Federal Bancorp

Quarterly Balance Sheets for Kentucky First Federal Bancorp

Annual Metrics And Ratios for Kentucky First Federal Bancorp

Quarterly Metrics And Ratios for Kentucky First Federal Bancorp

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Kentucky First Federal Bancorp Financials - Frequently Asked Questions

When does Kentucky First Federal Bancorp's fiscal year end?

How has Kentucky First Federal Bancorp's net income changed over the last 10 years?

How has Kentucky First Federal Bancorp's revenue changed over the last 10 years?

How much debt does Kentucky First Federal Bancorp have?

How much cash does Kentucky First Federal Bancorp have?

How has Kentucky First Federal Bancorp's book value per share changed over the last 10 years?

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