Kentucky First Federal Bancorp (Nasdaq: KFFB) sets $0.05 quarterly dividend

Rhea-AI Filing Summary

Kentucky First Federal Bancorp reported that on July 28, 2026 the members of First Federal MHC voted to waive the MHC’s right to receive quarterly dividends aggregating up to $0.40 per share declared during the next 12-month period. First Federal MHC holds 58.5% of the company’s outstanding common stock.

The board also declared a quarterly cash dividend of $0.05 per share, payable on September 21, 2026 to shareholders of record on August 31, 2026. At June 30, 2026, approximately 8,086,715 shares were outstanding; this is a baseline figure, not the amount being newly declared for payment.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Quarterly dividend: $0.05 per share MHC dividend waiver cap: $0.40 per share MHC ownership stake: 58.5% +3 more

6 metrics

Quarterly dividend $0.05 per share Cash dividend declared payable on September 21, 2026 to shareholders of record on August 31, 2026

MHC dividend waiver cap $0.40 per share Maximum aggregate quarterly dividends per share that First Federal MHC members agreed to waive over the next 12 months

MHC ownership stake 58.5% Portion of outstanding common stock of Kentucky First Federal Bancorp held by First Federal MHC

Shares outstanding 8,086,715 shares Approximate common shares outstanding as of June 30, 2026

Dividend record date August 31, 2026 Shareholders of record on this date are entitled to the $0.05 per share dividend

Dividend payment date September 21, 2026 Scheduled payment date for the declared quarterly cash dividend

Key Terms

First Federal MHC, forward-looking statements, Private Securities Litigation Act of 1995, Nasdaq National Market

4 terms

First Federal MHC financial

"the members of First Federal MHC voted to waive First Federal MHC’s right"

forward-looking statements regulatory

"This press release may contain statements that are forward-looking, as that term is defined"

Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.

Private Securities Litigation Act of 1995 regulatory

"as that term is defined by the Private Securities Litigation Act of 1995"

A U.S. federal law that changed how private lawsuits over alleged securities fraud are brought and handled. It introduced clearer rules for who leads group suits, raised the bar for what plaintiffs must show early on, and limited early-stage discovery and certain lawsuits over forward-looking statements. Investors care because the law affects a company’s legal risk, the likelihood and size of settlements, and short-term stock volatility—like a referee tightening rules to reduce frivolous challenges and keep the game more orderly.

Nasdaq National Market financial

"Kentucky First Federal Bancorp shares are traded on the Nasdaq National Market"

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Available on EDGAR 07/29/2026 - 04:13 PM Accepted by SEC EDGAR 07/29/2026 - 04:13 PM Learn about SEC filing dates

FAQ

What dividend did Kentucky First Federal Bancorp (KFFB) declare on July 28, 2026?

Kentucky First Federal Bancorp declared a $0.05 per share quarterly cash dividend, payable on September 21, 2026 to shareholders of record on August 31, 2026, as approved by its Board of Directors.

When are the record and payment dates for KFFB’s latest dividend?

The dividend is payable on September 21, 2026 to shareholders of record on August 31, 2026. Investors holding shares on the record date are entitled to receive the declared $0.05 per share dividend.

What action did First Federal MHC take regarding dividends from Kentucky First Federal Bancorp (KFFB)?

Members of First Federal MHC voted to waive the MHC’s right to receive quarterly dividends aggregating up to $0.40 per share declared by Kentucky First during the next 12-month period, affecting the majority-owned portion of shares.

How much of KFFB’s common stock is held by First Federal MHC?

First Federal MHC holds 58.5% of Kentucky First Federal Bancorp’s outstanding common stock. This majority ownership makes the MHC’s decision to waive dividend rights significant for how cash dividends are distributed among other shareholders.

How many shares of Kentucky First Federal Bancorp (KFFB) were outstanding as of June 30, 2026?

As of June 30, 2026, Kentucky First Federal Bancorp had approximately 8,086,715 shares of common stock outstanding. This share count provides context for the scale of declared dividends and the impact of the MHC’s waiver.

Has First Federal MHC previously waived dividends from Kentucky First Federal Bancorp (KFFB)?

Members of First Federal MHC had previously approved similar proposals to waive dividends declared and paid by Kentucky First from 2012 through 2023, indicating a recurring pattern of waivers by the mutual holding company.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 28, 2026

KENTUCKY FIRST FEDERAL BANCORP

(Exact Name of Registrant as Specified in Its Charter)

United States		0-51176		61-1484858
(State or other jurisdiction of		(Commission		(IRS Employer
incorporation or organization)		File Number)		Identification No.)

655 Main Street, Hazard, Kentucky		41702
(Address of principal executive offices)		(Zip Code)

(502) 223-1638

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, $0.01 par value per share		KFFB		The NASDAQ Stock Market LLC

Item 8.01 Other Events

On July 28, 2026, Kentucky First Federal Bancorp (the “Company”) announced that the Board of Directors declared a quarterly dividend of $0.05 per share for shareholders of record on August 31, 2026, to be paid on September 21, 2026. For more information, see the Company’s press release dated July 28, 2026, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(a) Not applicable

(b) Not applicable

(c) Not applicable

(d) Exhibits

Exhibit No.		Description
99.1		Press Release dated July 28, 2026
104		Cover Page Interactive Data File (formatted as Inline XBRL)

1

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	KENTUCKY FIRST FEDERAL BANCORP
Date: July 29, 2026	By:	/s/ Tyler Eades
		Tyler Eades
		Vice President and Chief Finance Officer

2

Exhibit 99.1

Kentucky First Federal Bancorp

Hazard, Kentucky, Frankfort, Kentucky, Danville, Kentucky and Lancaster, Kentucky

For Immediate Release July 28, 2026

Contact:	Don D. Jennings, President, or Tyler Eades, Vice President
	(502) 223-1638
	216 West Main Street
	P.O. Box 535
	Frankfort, KY 40602

Kentucky First Federal Bancorp Board of Directors Announces Declaration of $0.05 Quarterly Dividend

Dividend Declaration Follows Vote by First Federal MHC Members to Waive Receipt of Dividends Paid by Kentucky First Federal Bancorp

Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company (the “Company” or “Kentucky First”) for First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, Frankfort, Kentucky, announced that on July 28, 2026, the members of First Federal MHC voted to waive First Federal MHC’s right to receive quarterly dividends aggregating up to $0.40 per share declared by Kentucky First during the next 12-month period. First Federal MHC holds 58.5% of the Company’s outstanding shares of common stock and the members of First Federal MHC previously approved similar proposals to waive First Federal MHC’s right to receive dividends declared and paid by the Company from 2012 through 2023. 

Kentucky First’s Board of Directors also announced that its Board declared a cash dividend of $0.05 per share payable on September 21, 2026 to shareholders of record on August 31, 2026.

Forward-Looking Statements

This press release may contain statements that are forward-looking, as that term is defined by the Private Securities Litigation Act of 1995 or the Securities and Exchange Commission in its rules, regulations and releases. The Company intends that such forward-looking statements be subject to the safe harbors created thereby. These forward-looking statements may be identified by the use of words such as “believe,” “expect,” “anticipate,” “plan,” “estimate,” “intend” and “potential,” or words of similar meaning, or future or conditional verbs such as “should,” “could,” or “may.” Forward-looking statements include statements of our goals, intentions and expectations; statements regarding our business plans, prospects, growth and operating strategies; statements regarding the quality of our loan and investment portfolios; and estimates of our risks and future costs and benefits. Kentucky First Federal Bancorp’s actual results, performance or achievements may materially differ from those expressed or implied in the forward-looking statements. Risks and uncertainties that could cause or contribute to such material differences include, but are not limited to, general economic conditions; prices for real estate in the Company’s market areas; the interest rate environment and the impact of the interest rate environment on our business, financial condition and results of operations; our ability to successfully execute our strategy to increase earnings, increase core deposits, reduce reliance on higher cost funding sources and shift more of our loan portfolio towards higher-earning loans; our ability to pay future dividends and if so at what level; our ability to receive any required regulatory approval or non-objection to pay dividends to shareholders; our ability to pay dividends from First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky to the Company in order for the Company to pay dividends to shareholders; the ability of First Federal MHC to receive approval of its members to waive the payment of any Company dividends to First Federal MHC; competitive conditions in the financial services industry; changes in the level of inflation; the impacts of tariffs, sanctions and other trade policies of the United States and its global trading counterparts; changes in the demand for loans, deposits and other financial services that we provide; the possibility that future credit losses may be higher than currently expected; competitive pressures among financial services companies; the ability to attract, develop and retain qualified employees; our ability to maintain the security of our data processing and information technology systems; the outcome of pending or threatened litigation, or of matters before regulatory agencies; changes in law, governmental policies and regulations, rapidly changing technology affecting financial services, and the other matters mentioned in Item 1A of the Company’s Annual Report on Form 10-K for the year ended June 30, 2025. Except as required by applicable law or regulation, the Company does not undertake the responsibility, and specifically disclaims any obligation, to release publicly the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of the statements or to reflect the occurrence of anticipated or unanticipated events.

About Kentucky First Federal Bancorp

Kentucky First Federal Bancorp is the parent company of First Federal Savings and Loan Association of Hazard, which operates one banking office in Hazard, Kentucky, and First Federal Savings Bank of Kentucky, which operates three banking offices in Frankfort, Kentucky, two banking offices in Danville, Kentucky and one banking office in Lancaster, Kentucky. Kentucky First Federal Bancorp shares are traded on the Nasdaq National Market under the symbol KFFB. At June 30, 2026, the Company had approximately 8,086,715 shares outstanding of which approximately 58.5% was held by First Federal MHC.

Filing Exhibits & Attachments

4 documents

Press Releases

• EX-99.1 PRESS RELEASE DATED JULY 28, 2026 8.4 KB

Other Documents

• EX-101 XBRL SCHEMA FILE 2.9 KB
• EX-101 XBRL LABEL FILE 33.4 KB
• EX-101 XBRL PRESENTATION FILE 21.8 KB