# Kentucky First Federal Bancorp (KFFB)

> Source: Nexqual · https://nexqual.com/KFFB · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Kentucky First Federal Bancorp (KFFB), nexqual.com/KFFB" · informational, not investment advice.

**Price:** USD 5.22 (+0.00% on the day) · last close of Oct 22, 2026; US market after hours, not a live price. Prev close 5.22 · day 5.22–5.22 · 52w 3.47–6.46 · market cap $42.2M · NGM

## Key facts
- Last four reported quarters (through Mar 31, 2026): revenue $10.9M, net income $1.4M (12.9% margin) (SEC filings).
- Valuation: P/E 30.0x (avg 92.1x at the last 2 fiscal year-ends).
- 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)
| 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)
P/E 30.0x · P/S 3.9x · P/FCF 45.4x · P/B 0.8x · FCF yield 2.20% · Earnings yield 3.33%
P/E at fiscal year-ends: Jun 2025 130.2x, Jun 2023 54.1x.

## Analysts
Consensus None.

## Total return (dividends reinvested)
|  | 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) |

## Peers (Banks - Regional)
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%

## More
Full page: https://nexqual.com/KFFB · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |