Kentucky First Federal Bancorp (KFFB) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2026, Kentucky First Federal Bancorp reported revenue of $11.7M, up 32.8% from $8.8M the year before. Net income was $1.9M (a 16.3% net margin), or $0.24 per diluted share. Net interest income was $11.1M, and the efficiency ratio (noninterest expense / revenue) was 76.7%. Operating activities generated $1.2M of cash, leaving $1.1M of free cash flow. At fiscal year end, Kentucky First Federal Bancorp held $362.4M in total assets against $312.1M in total liabilities, including $16.5M of cash and equivalents.
Open the full interactive Kentucky First Federal Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Kentucky First Federal Bancorp Key Stats
| Share Price | $5.77 |
|---|---|
| Market Cap | $46.7M |
| P/E Ratio | 24.0 |
| Revenue YoY Growth | +32.8% |
| 52-Week Range | $3.35 – $6.29 |
| Shares Outstanding | 8.1 million (basic, 2026 Q4) |
Kentucky First Federal Bancorp Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $10.0M | $9.2M | $8.9M | $7.0M | $8.3M | $11.1M |
| Provision for Credit Losses | $192,000 | -$60,000 | $113,000 | $24,000 | $39,000 | $237,000 |
| Noninterest Income | $595,000 | $515,000 | $302,000 | $251,000 | $500,000 | $629,000 |
| Noninterest Expense | $8.2M | $7.7M | $7.8M | $9.2M | $8.6M | $9.0M |
| Revenue | $10.6M | $9.7M | $9.2M | $7.2M | $8.8M | $11.7M |
| Pre-Tax Income | $2.2M | $2.1M | $1.2M | -$2.0M | $238,000 | $2.5M |
| Income Tax | $352,000 | $477,000 | $294,000 | -$239,000 | $57,000 | $595,000 |
| Net Income | $1.8M | $1.6M | $933,000 | -$1.7M | $181,000 | $1.9M |
| Diluted EPS | $0.22 | $0.19 | $0.11 | -$0.21 | $0.02 | $0.24 |
Kentucky First Federal Bancorp Quarterly Results
| 2026 Q1 | 2026 Q2 | 2026 Q3 | 2026 Q4 | |
|---|---|---|---|---|
| Revenue | $2.7M | $2.8M | $3.0M | $3.2M |
| Net Income | $344,000 | $304,000 | $581,000 | $680,000 |
| Diluted EPS | $0.04 | $0.04 | $0.07 | $0.08 |
Kentucky First Federal Bancorp Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $21.6M | $25.8M | $8.2M | $18.3M | $19.5M | $16.5M |
| Loans (Net) | $297.9M | $274.6M | $313.8M | — | — | — |
| Total Assets | $338.1M | $328.1M | $349.0M | $375.0M | $371.2M | $362.4M |
| Deposits | $226.8M | $239.9M | $226.3M | $256.1M | $277.6M | $260.8M |
| Total Long-Term Debt | $56.9M | $34.1M | $70.1M | $71.0M | $44.8M | $48.6M |
| Total Liabilities | $285.8M | $276.1M | $298.3M | $327.0M | $322.8M | $312.1M |
| Shareholders' Equity | $52.3M | $52.0M | $50.7M | $48.0M | $48.4M | $50.3M |
Kentucky First Federal Bancorp Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $1.6M | $2.6M | $1.2M | -$1.5M | -$86,000 | $1.2M |
| Cash From Investing | -$8.8M | $13.3M | -$39.5M | -$16.6M | $6.1M | $6.6M |
| Cash From Financing | $15.2M | -$11.8M | $20.7M | $28.2M | -$4.8M | -$10.8M |
| Free Cash Flow | $1.5M | $2.5M | $1.0M | -$1.5M | -$235,000 | $1.1M |
Figures from Kentucky First Federal Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Kentucky First Federal Bancorp financials page for every line item.
Kentucky First Federal Bancorp Company Profile
| Ticker | KFFB |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Hazard, Kentucky |
| Fiscal Year End | June 30 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001297341 |
Frequently Asked Questions
What was Kentucky First Federal Bancorp's revenue in fiscal 2026?
Kentucky First Federal Bancorp (KFFB) reported revenue of $11.7M for fiscal 2026.
What is Kentucky First Federal Bancorp's annual revenue history?
Kentucky First Federal Bancorp's annual revenue by fiscal year: 2021: $10.6M; 2022: $9.7M; 2023: $9.2M; 2024: $7.2M; 2025: $8.8M; 2026: $11.7M.
What was Kentucky First Federal Bancorp's net income in fiscal 2026?
Kentucky First Federal Bancorp reported net income of $1.9M for fiscal 2026.
What was Kentucky First Federal Bancorp's earnings per share (EPS) in fiscal 2026?
Kentucky First Federal Bancorp's diluted EPS was $0.24 for fiscal 2026 (adjusted for any later stock splits).
How much free cash flow did Kentucky First Federal Bancorp generate in fiscal 2026?
Kentucky First Federal Bancorp generated $1.1M of free cash flow in fiscal 2026.
What was Kentucky First Federal Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q4), Kentucky First Federal Bancorp reported revenue of $3.2M.
How much debt does Kentucky First Federal Bancorp have?
Kentucky First Federal Bancorp reported $48.6M of long-term debt, including the current portion, at the end of fiscal 2026.
How many shares of Kentucky First Federal Bancorp are outstanding?
Kentucky First Federal Bancorp reported a weighted average of 8.1 million basic shares outstanding in 2026 Q4.
What is Kentucky First Federal Bancorp's market cap?
Based on its latest closing price, Kentucky First Federal Bancorp (KFFB) has a market capitalization of about $46.7M.
When does Kentucky First Federal Bancorp's fiscal year end?
Kentucky First Federal Bancorp's fiscal year end, as registered with the SEC, is June 30.
Where is Kentucky First Federal Bancorp headquartered?
Kentucky First Federal Bancorp lists its business address in Hazard, Kentucky in its SEC filings.
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