What is Kentucky First Federal Bancorp's earnings per share (EPS)?

Kentucky First Federal Bancorp (KFFB) reported diluted earnings per share of $0.02 for fiscal year 2025. This represents a 109.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Kentucky First Federal Bancorp (KFFB) Financials

KFFB

Trailing 12 months to March 31, 2026

Revenue $10.9M +30.1% YoY

Net Income $1.4M +230.9% YoY

EPS (Diluted) $0.17 +230.8% YoY

Free Cash Flow $929K +304.2% YoY

Market Cap $45.8M as of Sep 12, 2026

Price / Sales 4.2x on $10.9M revenue, trailing 12 months to March 31, 2026

Price / Earnings 32.6x on $1.4M net income, trailing 12 months to March 31, 2026

Price / Book 0.9x on $49.7M equity, Q3 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2026, ended Mar 31, 2026 Reported May 15, 2026 Currency USD FYE June

Newest figures come from the 10-Q for Q3 FY2026, filed May 15, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the KFFB SEC filings page.

Kentucky First Federal Bancorp (KFFB) reported $10.9M in revenue over the twelve months to Mar 31, 2026, up 30.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI KFFB FY2025 2026-09-05

Interest expense now dominates earnings, leaving a heavily liability-funded balance sheet with negligible returns and weak cash conversion.

The revenue recovery from FY2024 reached $8.8M in FY2025, while interest expense climbed to $10.9M. That financing burden helps explain why net margin was only 2.1%, versus 17.2% in FY2021, despite the return to positive net income.

FY2025 liabilities were 6.7x equity while ROA was 0.1%, a structure where a large asset base produces very little return for owners. The liability-to-equity ratio has risen from 5.5x in FY2021, so leverage increased as profitability weakened.

FY2025 net income of $181K sat beside operating cash flow of -$86K, showing that the small accounting profit did not translate into operating cash. Free cash flow was -$235K after investment, extending the gap between reported earnings and cash generated by operations.

Financial Health Signals

Financial Health Score 18/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Kentucky First Federal Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Kentucky First Federal Bancorp earned a return on assets of 0.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.5% the prior year. Earnings ranks banks on that return over three years, and Kentucky First Federal Bancorp scores 15/100 among other banks.

Growth

Kentucky First Federal Bancorp reported revenue of $8.8M in fiscal year 2025, against $7.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Kentucky First Federal Bancorp scores 13/100 among other banks.

Capital

Kentucky First Federal Bancorp funded 13.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $48.4M of equity against $371.2M of assets. Capital ranks banks on that cushion, and Kentucky First Federal Bancorp scores 69/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Kentucky First Federal Bancorp scores 6/100 on it among other banks.

Credit Quality

Not available for Kentucky First Federal Bancorp, and counted as zero in the overall score.

Stability

Kentucky First Federal Bancorp reported net income of $181K in fiscal year 2025, against a loss of $1.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Kentucky First Federal Bancorp scores 4/100 among other banks.

Piotroski F-Score Partial

4/6

Kentucky First Federal Bancorp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality No Cash Backing

$0.48used

For every $1 of reported earnings, Kentucky First Federal Bancorp used $0.48 of operating cash (-$86K OCF vs $181K net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.

Key Financial Metrics

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Earnings & Revenue

Revenue

$3.0M

YoY+35.9%

QoQ+6.1%

5Y CAGR+2.7%

10Y CAGR+1.9%

Kentucky First Federal Bancorp generated $3.0M in revenue in Q3 2026. This represents an increase of 35.9% from the same quarter a year earlier. Against the prior quarter it is up 6.1%.

Net Income

$581K

YoY+8200.0%

QoQ+91.1%

5Y CAGR+4.2%

10Y CAGR+12.6%

Kentucky First Federal Bancorp reported $581K in net income in Q3 2026. This represents an increase of 8200.0% from the same quarter a year earlier. Against the prior quarter it is up 91.1%.

EPS (Diluted)

$0.07

QoQ+75.0%

Kentucky First Federal Bancorp earned $0.07 per diluted share (EPS) in Q3 2026. Against the prior quarter it is up 75.0%.

EBITDA

Not reported for Q3 2026.

Cash & Balance Sheet

Free Cash Flow

$823K

YoY+474.1%

QoQ+324.3%

5Y CAGR-6.2%

10Y CAGR+24.4%

Kentucky First Federal Bancorp generated $823K in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 474.1% from the same quarter a year earlier. Against the prior quarter it is up 324.3%.

Cash & Debt

$21.3M

YoY-23.3%

QoQ+8.3%

5Y CAGR+7.6%

10Y CAGR+1.9%

Kentucky First Federal Bancorp held $21.3M in cash as of Q3 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.00

Kentucky First Federal Bancorp paid $0.00 per share in dividends in Q3 2026.

Shares Outstanding

YoY0.0%

QoQ0.0%

5Y CAGR-0.3%

10Y CAGR-0.4%

Kentucky First Federal Bancorp had 8M shares outstanding in Q3 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

19.3%

YoY+19.0pp

QoQ+8.6pp

5Y change+1.4pp

10Y change+12.2pp

Kentucky First Federal Bancorp's net profit margin was 19.3% in Q3 2026, showing the share of revenue converted to profit. This is up 19.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 8.6 percentage points.

Return on Equity

1.2%

YoY+1.2pp

QoQ+0.6pp

5Y change+0.3pp

10Y change+0.9pp

Kentucky First Federal Bancorp's ROE was 1.2% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is up 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Gross Margin

Not reported for Q3 2026.

Operating Margin

Not reported for Q3 2026.

Capital Allocation

Capital Expenditures

$63K

YoY-3.1%

QoQ-1.6%

5Y CAGR+35.1%

10Y CAGR-6.5%

Kentucky First Federal Bancorp invested $63K in capex in Q3 2026, funding long-term assets and infrastructure. This represents a decrease of 3.1% from the same quarter a year earlier. Against the prior quarter it is down 1.6%.

R&D Spending

Not reported for Q3 2026.

Share Buybacks

Not reported for Q3 2026.

KFFB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

KFFB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$10.9M	$8.8M+22.0%	$7.2M-20.9%	$9.2M-5.3%	$9.7M-8.8%	$10.6M+9.1%	$9.7M+0.3%	$9.7M-7.0%	$10.4M+1.9%	$10.2M-4.1%	$10.7M-7.1%	$11.5M-3.4%	$11.9M+0.7%	$11.8M+45.3%	$8.1M+3.9%	$7.8M
SG&A Expenses	$5.0M	$4.8M-2.9%	$5.0M+1.5%	$4.9M+1.3%	$4.9M-9.4%	$5.4M-3.2%	$5.5M-4.5%	$5.8M+1.8%	$5.7M+6.6%	$5.3M+0.5%	$5.3M+9.5%	$4.9M-9.2%	$5.4M+24.8%	$4.3M+32.5%	$3.2M+5.9%	$3.1M
Interest Expense	$10.1M	$10.9M+17.4%	$9.3M+137.9%	$3.9M+122.5%	$1.8M-18.1%	$2.1M-38.8%	$3.5M+7.6%	$3.3M+50.5%	$2.2M+48.3%	$1.5M+7.1%	$1.4M-4.8%	$1.4M-11.7%	$1.6M-4.0%	$1.7M-22.6%	$2.2M-31.5%	$3.2M
Income Tax	$442K	$57K+123.8%	-$239K-181.3%	$294K-38.4%	$477K+35.5%	$352K+33.3%	$264K+87.2%	$141K+481.1%	-$37K-107.2%	$513K-13.9%	$596K-41.6%	$1.0M	N/A	N/A	N/A	N/A
Net Income	$1.4M	$181K+110.5%	-$1.7M-284.5%	$933K-41.3%	$1.6M-12.6%	$1.8M+114.5%	-$12.5M-1645.2%	$812K-38.6%	$1.3M+41.5%	$935K-37.7%	$1.5M-27.5%	$2.1M+7.0%	$1.9M-33.7%	$2.9M+70.0%	$1.7M-2.3%	$1.8M
EPS (Basic)	N/A	$0.02+109.5%	-$0.21-290.9%	$0.11-42.1%	$0.19-13.6%	$0.22	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	$0.17	$0.02+109.5%	-$0.21-290.9%	$0.11-42.1%	$0.19-13.6%	$0.22	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Diluted Shares (Avg)	N/A	8M0.0%	8M-0.4%	8M-1.0%	8M0.0%	8M	N/A	8M-0.4%	8M+0.3%	8M+0.3%	8M-0.3%	8M-0.3%	8M+5.3%	8M+5.4%	8M+0.4%	8M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Revenue	$3.0M+35.9%	$2.8M+28.3%	$2.7M+32.4%	$2.4M+23.4%	$2.2M+20.0%	$2.2M+29.7%	$2.0M+15.1%	$2.0M-2.1%
SG&A Expenses	$1.3M+6.5%	$1.3M+8.3%	$1.2M+1.5%	$1.2M+0.2%	$1.2M-2.2%	$1.2M-4.9%	$1.2M-4.5%	$1.2M+0.8%
Interest Expense	$2.4M-12.0%	$2.5M-8.2%	$2.5M-7.3%	$2.7M+5.7%	$2.7M+12.7%	$2.7M+21.0%	$2.8M+33.2%	$2.5M+58.7%
Income Tax	$174K+2075.0%	$97K+1485.7%	$109K+1916.7%	$62K+263.2%	$8K+121.1%	-$7K+92.6%	-$6K+91.3%	-$38K-445.5%
Net Income	$581K+8200.0%	$304K+2238.5%	$344K+2393.3%	$176K+116.3%	$7K+106.5%	$13K+103.6%	-$15K+91.4%	-$1.1M-2666.7%
EPS (Basic)	$0.07	$0.04	$0.04	$0.02+115.4%	$0.00+100.0%	$0.00+100.0%	$0.00+100.0%	-$0.13
EPS (Diluted)	$0.07	$0.04	$0.04	$0.02+115.4%	$0.00+100.0%	$0.00+100.0%	$0.00+100.0%	-$0.13
Diluted Shares (Avg)	8M0.0%	8M0.0%	8M0.0%	N/A	8M-0.1%	8M0.0%	8M0.0%	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

KFFB Balance Sheet

KFFB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$371.2M-1.0%	$375.0M+7.4%	$349.0M+6.4%	$328.1M-3.0%	$338.1M+5.3%	$321.1M-2.9%	$330.8M+3.9%	$318.4M+3.2%	$308.5M+5.7%	$291.9M-1.5%	$296.3M-1.1%	$299.7M-7.5%	$324.1M+45.4%	$222.9M-1.4%	$226.1M
Cash & Equivalents	$19.5M+6.5%	$18.3M+123.9%	$8.2M-68.4%	$25.8M+19.3%	$21.6M+58.0%	$13.7M+39.0%	$9.9M-0.8%	$9.9M-22.3%	$12.8M-2.3%	$13.1M-3.9%	$13.6M+18.5%	$11.5M-30.4%	$16.5M+188.4%	$5.7M+13.6%	$5.0M
Short-Term Investments	$0	$0	$0	$0-100.0%	$33K-93.9%	$541K-48.2%	$1.0M	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$327.2M-1.7%	$333.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$171K-19.7%	$213K-22.3%	$274K	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$947K0.0%	$947K0.0%	$947K0.0%	$947K-93.5%	$14.5M0.0%	$14.5M0.0%	$14.5M0.0%	$14.5M0.0%	$14.5M0.0%	$14.5M0.0%	$14.5M0.0%	$14.5M0.0%	$14.5M
Total Liabilities	$322.8M-1.3%	$327.0M+9.6%	$298.3M+8.1%	$276.1M-3.4%	$285.8M+6.1%	$269.2M+1.8%	$264.5M+5.3%	$251.2M+4.1%	$241.3M+7.6%	$224.4M-2.0%	$229.0M-1.5%	$232.4M-9.7%	$257.4M+56.9%	$164.1M-2.0%	$167.4M
Total Equity	$48.4M+0.8%	$48.0M-5.4%	$50.7M-2.5%	$52.0M-0.5%	$52.3M+0.7%	$51.9M-21.7%	$66.3M-1.4%	$67.2M+0.1%	$67.1M-0.5%	$67.5M+0.3%	$67.3M+0.2%	$67.2M+0.9%	$66.6M+13.2%	$58.9M+0.3%	$58.7M
Retained Earnings	$17.5M+1.0%	$17.3M-13.9%	$20.1M-2.1%	$20.6M+1.0%	$20.4M+2.2%	$19.9M-41.1%	$33.9M-0.5%	$34.0M-0.4%	$34.2M-1.6%	$34.7M+0.1%	$34.7M+2.0%	$34.0M+1.3%	$33.6M+5.1%	$32.0M+0.3%	$31.9M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Total Assets	$374.5M-1.6%	$375.3M+0.3%	$366.5M-2.4%	$371.2M-1.0%	$380.7M+3.2%	$374.2M+2.2%	$375.6M+5.3%	$375.0M+7.4%
Cash & Equivalents	$21.3M-23.3%	$19.7M-6.2%	$14.6M-15.3%	$19.5M+6.5%	$27.8M+79.9%	$21.0M+43.8%	$17.3M+37.2%	$18.3M+123.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$328.2M	$329.8M	$326.4M	$327.2M-1.7%	N/A	N/A	N/A	$333.0M
Long-Term Investments	$143K-20.6%	$152K-20.0%	$161K-19.1%	$171K-19.7%	$180K	$190K	$199K	$213K-22.3%
Total Liabilities	$324.9M-2.3%	$326.2M0.0%	$317.7M-3.0%	$322.8M-1.3%	$332.6M+3.9%	$326.2M+2.9%	$327.4M+6.6%	$327.0M+9.6%
Total Equity	$49.7M+3.1%	$49.1M+2.2%	$48.8M+1.2%	$48.4M+0.8%	$48.2M-1.8%	$48.1M-2.3%	$48.2M-2.9%	$48.0M-5.4%
Retained Earnings	$18.7M+8.1%	$18.2M+4.8%	$17.9M+3.1%	$17.5M+1.0%	$17.3M-5.8%	$17.3M-6.4%	$17.3M-9.9%	$17.3M-13.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

KFFB Cash Flow Statement

KFFB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$1.1M	-$86K+94.1%	-$1.5M-226.2%	$1.2M-56.4%	$2.6M+67.0%	$1.6M+51.7%	$1.0M+4.0%	$1.0M-12.8%	$1.1M-45.2%	$2.1M+45.0%	$1.4M-53.3%	$3.1M+24.5%	$2.5M-47.4%	$4.7M+227.7%	$1.4M-58.8%	$3.5M
Depreciation & Amortization	N/A	$201K-14.1%	$234K-8.2%	$255K-10.5%	$285K-1.0%	$288K+4.0%	$277K-1.8%	$282K-8.7%	$309K-8.0%	$336K+4.7%	$321K+15.5%	$278K-3.5%	$288K+24.7%	$231K	N/A	N/A
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$160K
Capital Expenditures	$133K	$149K+125.8%	$66K-48.0%	$127K-15.9%	$151K+49.5%	$101K-38.8%	$165K+11.5%	$148K-2.0%	$151K+21.8%	$124K-88.8%	$1.1M+25.3%	$884K+186.1%	$309K+306.6%	$76K-53.4%	$163K+34.7%	$121K
Free Cash Flow	$929K	-$235K+84.5%	-$1.5M-248.3%	$1.0M-58.8%	$2.5M+68.2%	$1.5M+68.8%	$877K+2.7%	$854K-14.4%	$998K-49.4%	$2.0M+483.4%	$338K-84.7%	$2.2M+1.6%	$2.2M-53.2%	$4.7M+263.4%	$1.3M-62.2%	$3.4M
Investing Cash Flow	$623K	$6.1M+136.9%	-$16.6M+58.0%	-$39.5M-396.1%	$13.3M+250.7%	-$8.8M-3740.3%	$243K+101.9%	-$12.6M0.0%	-$12.6M+29.6%	-$17.9M	N/A	N/A	N/A	$15.9M+249.4%	$4.5M-24.9%	$6.0M
Financing Cash Flow	-$8.1M	-$4.8M-117.2%	$28.2M+36.3%	$20.7M+275.2%	-$11.8M-177.6%	$15.2M+495.1%	$2.6M-77.8%	$11.5M+34.1%	$8.6M-44.6%	$15.5M	N/A	N/A	N/A	-$9.8M-84.7%	-$5.3M+58.8%	-$12.9M
Dividends Paid	N/A	$0-100.0%	$670K-50.8%	$1.4M-2.2%	$1.4M+0.4%	$1.4M0.0%	$1.4M-3.3%	$1.4M-1.2%	$1.5M-2.3%	$1.5M+0.5%	$1.5M+6.9%	$1.4M-8.3%	$1.5M+17.8%	$1.3M-20.0%	$1.6M+44.2%	$1.1M
Share Buybacks	N/A	N/A	N/A	$461K	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$698K+1561.9%	$42K-31.1%	$61K-54.8%	$135K-38.1%	$218K

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Operating Cash Flow	$886K+671.6%	-$303K-120.9%	$450K+132.0%	$29K+115.6%	-$155K+11.9%	$1.4M+377.2%	-$1.4M-146.8%	-$186K-224.0%
Depreciation & Amortization	$52K-25.7%	$48K-4.0%	$48K-9.4%	$28K-50.0%	$70K+18.6%	$50K-16.7%	$53K-10.2%	$56K-6.7%
Capital Expenditures	$63K-3.1%	$64K-21.0%	$5K+150.0%	$1K-83.3%	$65K+333.3%	$81K+237.5%	$2K-90.5%	$6K+20.0%
Free Cash Flow	$823K+474.1%	-$367K-126.9%	$445K+131.6%	$28K+114.6%	-$220K-15.2%	$1.4M+350.2%	-$1.4M-138.4%	-$192K-232.4%
Investing Cash Flow	$2.4M+287.2%	-$3.2M-192.4%	-$502K-335.7%	$1.9M+148.0%	$624K+129.6%	$3.4M+148.5%	$213K+106.0%	-$3.9M+35.8%
Financing Cash Flow	-$1.7M-126.6%	$8.5M+834.1%	-$4.8M-2829.0%	-$10.2M-246.5%	$6.3M+101.9%	-$1.2M-112.1%	$176K-97.9%	$6.9M+15.8%
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-$1K-100.3%

Not reported in any period shown, so not listed: Stock-Based Compensation, Share Buybacks.

KFFB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

KFFB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	2.1%+25.8pp	-23.8%-33.9pp	10.2%-6.2pp	16.4%-0.7pp	17.2%	-129.0%	8.4%-4.3pp	12.7%+3.6pp	9.2%-4.9pp	14.1%-3.9pp	18.0%+1.7pp	16.3%-8.4pp	24.7%+3.6pp	21.1%-1.4pp	22.5%
Return on Equity	0.4%+4.0pp	-3.6%-5.4pp	1.8%-1.2pp	3.1%-0.4pp	3.5%+27.6pp	-24.2%-25.4pp	1.2%-0.7pp	2.0%+0.6pp	1.4%-0.8pp	2.2%-0.9pp	3.1%+0.2pp	2.9%-1.5pp	4.4%+1.5pp	2.9%-0.1pp	3.0%
Return on Assets	0.1%+0.5pp	-0.5%-0.7pp	0.3%-0.2pp	0.5%-0.1pp	0.5%+4.5pp	-3.9%-4.2pp	0.3%-0.2pp	0.4%+0.1pp	0.3%-0.2pp	0.5%-0.2pp	0.7%+0.1pp	0.7%-0.2pp	0.9%+0.1pp	0.8%0.0pp	0.8%
Debt-to-Equity	6.67-0.1x	6.81+0.9x	5.88+0.6x	5.31-0.2x	5.46+0.3x	5.19+1.2x	3.99+0.3x	3.74+0.1x	3.59+0.3x	3.32-0.1x	3.40-0.1x	3.46-0.4x	3.86+1.1x	2.79-0.1x	2.85
Asset Turnover	0.020.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.03
FCF Margin	-2.7%+18.3pp	-21.0%-32.2pp	11.2%-14.6pp	25.7%+11.8pp	14.0%+4.9pp	9.0%+0.2pp	8.8%-0.8pp	9.6%-9.7pp	19.3%+16.1pp	3.2%-16.1pp	19.3%+0.9pp	18.3%-21.1pp	39.4%+23.7pp	15.8%-27.6pp	43.3%

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Net Margin	19.3%+19.0pp	10.7%+10.1pp	13.0%+13.7pp	7.3%+62.4pp	0.3%+6.1pp	0.6%+21.8pp	-0.8%+9.3pp	-55.1%-57.2pp
Return on Equity	1.2%+1.2pp	0.6%+0.6pp	0.7%+0.7pp	0.4%+2.6pp	0.0%+0.2pp	0.0%+0.8pp	0.0%+0.3pp	-2.2%-2.3pp
Return on Assets	0.2%+0.2pp	0.1%+0.1pp	0.1%+0.1pp	0.1%+0.3pp	0.0%0.0pp	0.0%+0.1pp	0.0%+0.1pp	-0.3%-0.3pp
Debt-to-Equity	6.54-0.4x	6.64-0.1x	6.51-0.3x	6.67-0.1x	6.91+0.4x	6.79+0.3x	6.79+0.6x	6.81+0.9x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	27.4%+37.3pp	-13.0%-74.8pp	16.8%+86.9pp	1.2%+11.0pp	-10.0%+0.4pp	61.8%+93.9pp	-70.2%-36.3pp	-9.8%-17.1pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Kentucky First Federal Bancorp KFFB	FY2025	$8.8M	$181K	2.1%	$45.8M	18/100
Marathon Bancorp, Inc. MBBC	FY2025	$6.8M	$42K	0.6%	$44.3M	23/100
Home Federal Bancorp, Inc. of Louisiana HFBL	FY2025	$20.7M	$3.9M	18.8%	$76.1M	24/100
BayFirst Financial Corp. BAFN	FY2025	$63.1M	-$24.6M	-39.0%	$235.9M	6/100
OptimumBank Holdings, Inc. OPHC	FY2025	$49.4M	$16.6M	33.7%	$114.5M	64/100
AmeriServ Financial Inc ASRV	FY2025	$59.3M	$5.6M	9.5%	$83.0M	22/100

Where Kentucky First Federal Bancorp Ranks

Frequently Asked Questions

What is Kentucky First Federal Bancorp's annual revenue?

Kentucky First Federal Bancorp (KFFB) reported $8.8M in total revenue for fiscal year 2025. This represents a 22.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Kentucky First Federal Bancorp's revenue growing?

Kentucky First Federal Bancorp (KFFB) revenue grew by 22.0% year-over-year, from $7.2M to $8.8M in fiscal year 2025.

Is Kentucky First Federal Bancorp profitable?

Yes, Kentucky First Federal Bancorp (KFFB) reported a net income of $181K in fiscal year 2025, with a net profit margin of 2.1%.

What is Kentucky First Federal Bancorp's net profit margin?

Kentucky First Federal Bancorp (KFFB) had a net profit margin of 2.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Kentucky First Federal Bancorp's return on equity (ROE)?

Kentucky First Federal Bancorp (KFFB) has a return on equity of 0.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Kentucky First Federal Bancorp's free cash flow?

Kentucky First Federal Bancorp (KFFB) recorded an outflow of $235K in free cash flow during fiscal year 2025. This represents a 84.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Kentucky First Federal Bancorp's operating cash flow?

Kentucky First Federal Bancorp (KFFB) recorded an outflow of $86K in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are Kentucky First Federal Bancorp's total assets?

Kentucky First Federal Bancorp (KFFB) had $371.2M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Kentucky First Federal Bancorp's capital expenditures?

Kentucky First Federal Bancorp (KFFB) invested $149K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Kentucky First Federal Bancorp have outstanding?

Kentucky First Federal Bancorp (KFFB) had 8M shares outstanding as of fiscal year 2025.

What is Kentucky First Federal Bancorp's debt-to-equity ratio?

Kentucky First Federal Bancorp (KFFB) had a debt-to-equity ratio of 6.67 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Kentucky First Federal Bancorp's return on assets (ROA)?

Kentucky First Federal Bancorp (KFFB) had a return on assets of 0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Kentucky First Federal Bancorp's P/E ratio?

Kentucky First Federal Bancorp (KFFB) trades at 32.6x earnings, its market capitalization divided by net income of $1.4M net income, trailing 12 months to March 31, 2026. The market capitalization is $45.8M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Kentucky First Federal Bancorp's price-to-sales ratio?

Kentucky First Federal Bancorp (KFFB) trades at 4.2x sales, its market capitalization divided by revenue of $10.9M revenue, trailing 12 months to March 31, 2026. The market capitalization is $45.8M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Kentucky First Federal Bancorp's Piotroski F-Score?

Kentucky First Federal Bancorp (KFFB) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Kentucky First Federal Bancorp's earnings high quality?

For every $1 of reported earnings, Kentucky First Federal Bancorp (KFFB) used $0.48 of operating cash (-$86K OCF vs $181K net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Kentucky First Federal Bancorp?

Kentucky First Federal Bancorp (KFFB) scores 18 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.