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Company Analysis

Kentucky First Federal Bancorp KFFB

A comprehensive view of key metrics, scores, and financial health for Kentucky First Federal Bancorp

Overview of Kentucky First Federal Bancorp

KFFB NGM
Financial Services Banks - Regional Micro Cap
Kentucky First Federal Bancorp (KFFB), is a Micro Cap company, in the Banks - Regional industry, last closed at $4.70, about 33.6% undervalued vs fair value, +64.3% 1Y return, ranked 936/1004 in sector.
$4.70
-3.09%
As of March 13, 2026
Previous close • Vol 90d: 58.1%
52-Week Range
Market Cap
$39.22M
Enterprise Value
$74.26M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://ffsbky.bank
HQ Hazard, KY
Employees 54
Fiscal year Jun 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$3
$6
$12
Current: $4.70 +34% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$16.3M
27.6%%
Interest Expense
$10.9M
Net Interest Income
$7.0M
-21%%
Total Revenue
$19.6M
171.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-3.6%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Kentucky First Federal Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
21
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
19
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing KFFB's balance between Growth (85.1%), Profitability (8.4%), and Safety (6.5%). Growth 85% Safety 7% Profitability 8%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

66th percentile vs peers
66
Key Signals
Rev Growth YoY 1.71 96p Revenue CAGR 3Y 26.6% 78p Asset Growth YoY -0.8% 16p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.71, 96th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks
  • Asset Growth Yoy in bottom 20% of peers (-0.8%)

Profitability

6th percentile vs peers
7
Key Signals
Strengths
Risks
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Safety

5th percentile vs peers
5
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Kentucky First Federal Bancorp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$6.28
- - -
+33.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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