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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):
October 30, 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 |
On October 30, 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 November 30, 2026, to be paid on December 21, 2026. For more information, see the Company’s press
release dated October 30, 2026, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.
| Item 9.01 |
Financial Statements and Exhibits |
| Exhibit No. |
|
Description |
| |
|
|
| 99.1 |
|
Press Release dated October 30, 2026 |
| 104 |
|
Cover Page Interactive Data File (formatted as Inline XBRL) |
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: November 2, 2026 |
By: |
/s/ Tyler Eades |
| |
|
Tyler Eades |
| |
|
Vice President and Chief Finance Officer |
Exhibit 99.1
Kentucky First Federal Bancorp
Hazard, Kentucky, Frankfort, Kentucky, Danville, Kentucky and Lancaster,
Kentucky
For Immediate Release October 30, 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 Announces Payment of Quarterly Dividend
Kentucky First Federal Bancorp
(Nasdaq: KFFB) the holding company for First Federal Savings and Loan Association of Hazard, Kentucky and First Federal Savings Bank of
Kentucky, Frankfort, Kentucky, announced that the Company’s Board of Directors declared a cash dividend of $0.05 per share payable
on December 21, 2026, to shareholders of record on November 30, 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, 2026. 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 September 30, 2026,
the Company had approximately 8,086,715 shares outstanding of which approximately 58.5% was held by First Federal MHC.
