Kentucky First Federal Bancorp (KFFB) Stock Price & Analysis
Kentucky First Federal Bancorp (KFFB) closed at USD 5.22 on Thursday, October 22, 2026, up 0.00% on the day. The US market is currently closed (after-hours); this is not a live price.
The prior close was USD 5.22; the Oct 22, 2026 session ranged USD 5.22–5.22 on volume of 262 shares. Market capitalization is $42.21M, with a 52-week range of USD 3.47–6.46 (NGM). Source: Nexqual, retrieved October 23, 2026 at 22:55 UTC.
Also available as compact Markdown for AI agents: nexqual.com/KFFB.md
Key facts (KFFB)
- Last four reported quarters (through Mar 31, 2026): revenue $10.9M, net income $1.4M (12.9% margin) (SEC filings).
- Analysts: None.
- Total return with dividends: 1Y +36.3% vs S&P 500 +13.4%; 5Y -15.8% vs S&P 500 +76.9%.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (KFFB)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | — | — | $9.2M | $7.2M | $8.8M | $10.9M |
| Net income | $1.8M | $1.6M | $933K | -$1.7M | $181K | $1.4M |
| EPS (diluted) | $0.22 | $0.19 | $0.11 | -$0.21 | $0.02 | — |
| Free cash flow | $1.5M | $2.5M | $1.0M | -$1.5M | -$235K | $929K |
| Net margin | — | — | 10.2% | -23.8% | 2.0% | 12.9% |
| Revenue growth | — | — | — | -20.9% | +22.0% | — |
| Cash + short-term investments | $21.7M | — | — | $18.3M | $19.5M | — |
Fiscal years end Jun. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Mar 31, 2026) (KFFB)
P/E at fiscal year-ends: Jun 2025 130.2x, Jun 2023 54.1x.
Analysts (KFFB)
Consensus None.
Total return (dividends reinvested) (KFFB)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +36.3% | -15.8% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +36.6% | -3.4% |
| Volatility (annualized) | 57.1% | 31.8% |
| Max drawdown | -17.1% (Aug 2026→Oct 2026) | -69.2% (Jun 2022→May 2025) |
KFFB analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |
Key Statistics (as of October 23, 2026 at 22:55 UTC)
| Price | USD 5.22 |
|---|---|
| Change | ▲ 0.00% (up) |
| Previous Close | USD 5.22 |
| Open | USD 5.34 |
| Day Range | USD 5.22 – 5.22 |
| 52-Week Range | USD 3.47 – 6.46 |
| Volume | 262 shares |
| Market Cap | $42.21M |
| Exchange | NGM |
Technical Analysis (KFFB)
Nexqual's technical model rates KFFB "SELL" based on 1 bullish and 5 bearish signals across 126 daily candles, as of October 23, 2026 at 22:55 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 38.51 (neutral) |
| vs SMA50 | Below (USD 5.68) |
| MACD | -0.11 (negative) |
Analyst Ratings (KFFB)
Wall Street analysts rate KFFB "None", per Nexqual as of October 23, 2026 at 22:55 UTC.
| Consensus Rating | None |
|---|
Earnings (KFFB)
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2011-03-31 | USD 0.06 vs est 0.04 ▲ beat |
| 2010-12-31 | USD 0.04 vs est 0.04 ▼ miss |
| 2010-09-30 | USD 0.04 vs est 0.04 ▼ miss |
Source: Nexqual, October 23, 2026 at 22:55 UTC.
Financials & Fundamentals (KFFB)
| Total Revenue | $11.50M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +26.80% |
| Gross Margin | +0.00% |
| Operating Margin | +29.88% |
| Profit Margin | +16.60% |
| ROE | +3.87% |
| Total Cash | $16.48M |
| Total Debt | $48.59M |
Source: Nexqual, October 23, 2026 at 22:55 UTC.
Financial Health Score (KFFB)
Nexqual rates Kentucky First Federal Bancorp's overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 22:55 UTC.
| Growth | Strong — Revenue +27% YoY (latest Q) |
|---|---|
| Profitability | Solid — Net margin 17% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Savings Institution, Federally Chartered) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Savings Institution, Federally Chartered) |
| Efficiency | Weak — ROE 4%, ROA 0.5% |
Ownership (KFFB)
| Insider Ownership | +62.69% |
|---|---|
| Institutional Ownership | +3.72% |
| Shares Outstanding | 8.09M |
| Float | 3.03M |
| Short % of Float | +1.05% |
Source: Nexqual, October 23, 2026 at 22:55 UTC.
From Kentucky First Federal Bancorp's Latest SEC 10-K Filing (filed 2026-09-28)
Key Strengths & Strategy (as disclosed to the SEC)
- Further, although adjustable-rate loans allow us to increase the sensitivity of our interest-earning assets to changes in interest rates, the extent of this interest sensitivity is limited by the initial fixed-rate period before the first adjustment and the periodic and lifetime interest rate adjustment limitations.
Partnerships
- The Company held no equity position with Fannie Mae or Freddie Mac. investment objectives are to provide an alternate source of low-risk investments when loan demand is insufficient, to provide and maintain liquidity, to maintain a balance of high quality, diversified investments to minimize risk, to provide collateral for pledging requirements, to establish an acceptable level of interest rate risk, and to generate a favorable return.
- Frankfort First Bancorp has one subsidiary, First Federal of Kentucky. federally chartered savings institutions, the Banks are permitted to invest an amount equal to 2% of assets in subsidiaries, with an additional investment of 1% of assets where such investment serves primarily community, inner-city and community-development purposes.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 4.07 | ▲ 3.04% |
| FITB | Fifth Third Bancorp | USD 52.98 | ▼ 0.47% |
| DB | Deutsche Bank AG | USD 31.2 | ▼ 0.89% |
| TFC | Truist Financial Corporation | USD 48.44 | ▲ 0.04% |
| NWG | NatWest Group plc | USD 16.8 | ▼ 1.12% |
| NU | Nu Holdings Ltd. | USD 15.16 | ▲ 2.92% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 22:55 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt