Kentucky First Federal Bancorp
KFFB | NASDAQ
$5.95
+$0.03 (+0.42%)
Sep 22, 2026, 2:01 PM ET · Market open
Market Data
Market Cap $47.91M
Enterprise Value $80.02M
Beta 0.14
Average Volume 4.21K
Shares Outstanding (Diluted) 8.09M
Shares Change YoY -0.15%
Institutional Ownership 3.65%
Exchange NASDAQ
ISIN US4912921081
Price Performance
Price Change 1M 6.7%
Price Change 3M 21.8%
Price Change 6M 39.3%
Price Change YTD 27.6%
Price Change 1Y 71.6%
Price Change 3Y 12.8%
Price Change 5Y -17.0%
1M CAGR (ann.) 7.6%
1Y CAGR (ann.) 76.0%
5Y CAGR (ann.) -1.1%
All-Time CAGR 1.6%
Valuation
PE Ratio 24.67
Forward PE N/A
PEG Ratio 0.03
Forward PEG 0.03
PS Ratio 2.24
Forward PS N/A
PB Ratio 0.95
P/FCF Ratio 53.18
P/Adj. FCF Ratio 53.18
P/OCF Ratio 45.54
EV/Sales 3.74
EV/EBIT 31.96
EV/EBITDA 30.17
EV/FCF 88.81
Earnings Yield 4.0%
FCF Yield 1.9%
Adj. FCF Yield 1.9%
Financial Health
Net Debt $32.11M
Total Debt $48.59M
Cash & Short-Term Investments $16.49M
Total Assets $362.4M
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio 0.97
Debt / EBITDA 18.32
Debt / FCF 53.93
OCF / Debt 0.02
Interest Coverage 0.26
Altman Z-Score 0.23
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 53.7%
Operating Profit Margin 11.7%
EBITDA Margin 12.4%
Net Profit Margin 8.9%
FCF Margin 4.2%
Adj. FCF Margin 4.2%
SBC / Revenue 0.0%
SBC Impact (per share) N/A
Returns
Return on Assets 0.5%
Return on Equity 3.9%
Return on Invested Capital 0.5%
Return on Capital Employed 0.7%
Return on Tangible Assets 0.5%
Historical Growth (CAGR)
Revenue CAGR 3Y 17.9%
Revenue CAGR 5Y 10.9%
Revenue CAGR 10Y 6.0%
EPS CAGR 3Y 26.0%
EPS CAGR 5Y 1.8%
EPS CAGR 10Y 2.9%
FCF CAGR 3Y -4.2%
FCF CAGR 5Y -9.4%
FCF CAGR 10Y 10.3%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Aug 6, 2026
EPS Estimate (next Q) N/A
EPS Growth Est (next Q) N/A
Revenue Est (next Q) N/A
Revenue Growth Est (next Q) N/A
Fair Value Estimates
Graham Number $5.80
Graham Upside -2.0%
Lynch Fair Value $1.20
Lynch Upside -79.7%
Price Target N/A
Price Target Upside N/A
Cash Flow
Operating Cash Flow $1.03M
Free Cash Flow $901K
Adj. Free Cash Flow $901K
FCF Per Share $0.11
OCF Per Share $0.13
OCF/S Ratio 4.8%
Income Statement
Revenue $21.42M
Gross Profit $11.5M
Operating Income $2.5M
EBITDA $2.65M
Net Income $1.91M
EPS (Diluted) $0.24
Revenue / Employee $389.47K
Profit / Employee $34.71K
Employees 55
Dividends
Annual Dividend $0.35
Dividend Yield 5.91%
Payout Ratio 145.8%
FCF Payout Ratio 0.0%
Adj. FCF Payout Ratio 0.0%
Dividend Growth (YoY) -12.5%
Pay Frequency Irregular
Ex-Dividend Date Aug 30, 2026
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