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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 $4.31, about 45.7% undervalued vs fair value, +75.9% 1Y return, ranked 943/1037 in sector.
Metrics P/E 130.2× Rev Growth 171.2% ROE 0.4% Gross Margin 44.4%
$4.31
0.00%
As of April 27, 2026
Previous close • Vol 90d: 51.0%
52-Week Range
Market Cap
$34.90M
Enterprise Value
$69.94M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
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: $4.31 +46% 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
22
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
22
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing KFFB's balance between Growth (23.8%), Profitability (18.9%), and Safety (57.4%). Growth 24% Safety 57% Profitability 19%

Click axes to expand details. Marker shows current allocation.

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Growth

23th percentile vs peers
24
Key Signals
EPS Growth YoY 1.11 92p Asset Growth YoY -0.8% 16p Equity Growth YoY -5.3% 4p NII Growth YoY -21.0% 1p
Strengths
  • EPS Growth YoY in top 20% of peers (1.11, 92th percentile)
  • Debt/Assets in top 20% of peers (11.5%, 87th percentile)
  • D/E Ratio in top 20% of peers (88.4%, 80th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Asset Growth YoY in bottom 20% of peers (-0.8%)
  • Equity Growth YoY in bottom 20% of peers (-5.3%)
  • NII Growth YoY in bottom 20% of peers (-21.0%)

Profitability

18th percentile vs peers
19
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
57
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:

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Bear
-
- - -
- upside
-
Base
$6.28
- - -
+45.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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