Kentucky First Federal Bancorp KFFB

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
19/100
Weak

Ranked against 399 peers in Banks - Regional

About Kentucky First Federal Bancorp

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provides various banking products and services in Kentucky. The company is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. Its loan … Full KFFB analysis →

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.17).
  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.08).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
23
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where KFFB ranks in Banks - Regional

Kentucky First Federal Bancorp ranks #348 of 393 scored companies in Banks - Regional by moat score — the top 89%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
344 Grupo Aval Acciones y Valores S AVAL 21/100 Weak
345 Kearny Financial KRNY 20/100 Weak
346 Triumph Financial, Inc. TFIN 20/100 Weak
347 Bogota Financial Corp. BSBK 20/100 Weak
348 Kentucky First Federal Bancorp KFFB 19/100 Weak
349 Banc of California, Inc. BANC 19/100 Weak
350 Northfield Bancorp, Inc. NFBK 19/100 Weak
351 Flushing Financial Corporation FFIC 19/100 Weak
352 SHF Holdings, Inc. SHFS 18/100 Weak

See every Banks & Lenders company ranked by moat score →

How KFFB scores on the Bank Specialized defenses

Deposit Franchise

Score 23 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 11 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 13 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 9 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 51 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 10 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding KFFB's moat

What is Kentucky First Federal Bancorp's moat score?

Kentucky First Federal Bancorp (KFFB) scores 19 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as weak. It ranks #348 of 393 scored companies in Banks - Regional, the top 89%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (51/100) and its weakest is Cost Discipline (9/100).

How does Kentucky First Federal Bancorp compare with other Banks - Regional companies?

Kentucky First Federal Bancorp ranks #348 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Bogota Financial Corp. (BSBK) at 20 just above it and Banc of California, Inc. (BANC) at 19 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Kentucky First Federal Bancorp scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Kentucky First Federal Bancorp?

The Bank Specialized template measures 6 defenses, and KFFB scores: Deposit Franchise (23), Lending Advantage (11), Capital Strength (13), Cost Discipline (9), Revenue Diversification (51), Risk Management (10). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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