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Kentucky First Federal Bancorp

Kentucky First Federal Bancorp

KFFB · NASDAQ · Financial Services / Banks - Regional

5.95USD+0.20 (+3.48%)

Price History

Full chart

Market Stats

Previous Close5.75
Open6.02
Day Range5.71 – 6.04
52-Week Range2.95 – 6.45
Volume7.66K
Market Cap45.58M
P/E (TTM)23.49
Forward P/E46.08
EPS0.24
Dividend Yield3.58%
Beta0.14
50-Day Avg5.60
200-Day Avg4.85

About

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provides various banking products and services in Kentucky. The company is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. Its loan portfolio comprises one-to four-family, multi-family, and construction residential real estate loans; nonresidential real estate loans comprising of commercial office buildings, churches and properties used for other purposes; and consumer loans, including home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans, as well as commercial non-mortgage loans. Kentucky First Federal Bancorp was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp operates as a subsidiary of First Federal MHC.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. R. Clay Hulette CPA
  • Employees54
  • Headquarters655 Main Street, Hazard, KY, United States, 41702, USA
  • Websitehttps://ffsbky.bank

Leadership

  • Mr. R. Clay Hulette CPACEO & Director · b. 1962
  • Mr. Don D. JenningsPresident, COO & Director · b. 1965
  • Ms. Jaime Steele CoffeySecretary · b. 1980
  • Mr. Tyler Wayne EadesCFO & VP · b. 1996

Financials

Income Statement

Currency: USD2001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue196.00K537.00K363.00K2.19M8.42M12.93M13.12M13.27M12.47M11.67M10.99M10.30M12.53M13.49M12.90M12.02M11.68M12.58M12.93M13.22M12.75M11.43M9.16M16.53M19.65M21.42M
Growth (%)-+173.98%-32.40%+504.68%+283.42%+53.58%+1.52%+1.12%-6.04%-6.42%-5.79%-6.32%+21.65%+7.74%-4.38%-6.84%-2.85%+7.70%+2.84%+2.23%-3.58%-10.35%-19.87%+80.48%+18.88%+9.02%
Cost of Revenue5.36M4.67M3.46M2.23M3.41M6.26M7.46M7.58M5.95M6.02M3.85M2.32M2.35M2.20M1.77M1.38M1.70M2.35M3.26M3.60M2.33M1.69M4.01M9.31M10.94M9.92M
Gross Profit196.00K537.00K363.00K-35.00K5.01M6.67M5.67M5.70M6.52M5.64M7.14M7.98M10.18M11.30M11.13M10.65M9.98M10.23M9.67M9.62M10.42M9.73M9.16M7.22M8.71M11.50M
Gross Margin100.00%100.00%100.00%-1.59%59.53%51.57%43.18%42.99%52.29%48.37%64.98%77.49%81.25%83.71%86.27%88.56%85.45%81.35%74.77%72.76%81.70%85.18%100.00%43.69%44.35%53.70%
Operating Expense-6.54M-4.96M-4.63M-1.19M2.51M4.36M4.36M4.33M4.61M5.04M5.28M5.42M5.95M8.41M8.04M8.55M8.53M8.95M8.72M21.90M8.24M7.67M7.93M9.18M8.48M9.00M
Operating Income6.73M5.50M4.99M1.15M2.50M2.31M1.30M1.37M1.91M604.00K1.86M2.56M4.22M2.89M3.09M2.10M1.45M1.29M953.00K-12.28M2.17M2.07M1.23M-1.96M238.00K2.50M
Operating Margin3435.20%1024.02%1374.66%52.53%29.72%17.88%9.92%10.33%15.33%5.18%16.92%24.82%33.72%21.39%23.95%17.44%12.40%10.23%7.37%-92.90%17.04%18.09%13.40%-11.86%1.21%11.69%
EBITDA6.73M5.50M4.99M1.23M2.44M2.33M1.15M1.65M2.22M907.00K2.18M2.83M4.46M3.17M3.37M2.42M1.78M1.59M1.24M-12.01M2.46M2.35M1.48M-1.73M439.00K2.50M
EBITDA Margin3435.20%1024.02%1374.66%56.22%28.97%17.99%8.76%12.42%17.80%7.77%19.80%27.50%35.57%23.52%26.10%20.11%15.28%12.68%9.55%-90.80%19.30%20.58%16.18%-10.44%2.23%11.69%
Net Income1.47M951.00K1.05M761.00K1.63M1.59M885.00K932.00K728.00K401.00K1.76M1.72M2.92M1.93M2.07M1.50M935.00K1.32M812.00K-12.55M1.82M1.59M933.00K-1.72M181.00K1.91M
Net Income Margin748.47%177.09%289.26%34.67%19.36%12.29%6.74%7.02%5.84%3.44%15.98%16.66%23.28%14.33%16.04%12.49%8.01%10.52%6.28%-94.89%14.28%13.91%10.19%-10.41%0.92%8.91%
R&D-----------0000000--------
R&D as % of Total Revenue-----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%--------
Interest Expense5.27M4.55M3.40M2.22M3.35M6.23M7.46M7.57M5.90M4.98M3.18M2.18M1.69M1.62M1.43M1.36M1.46M2.16M3.25M3.50M2.14M1.75M3.90M9.28M10.90M9.68M
Interest Expense % of Total Revenue2686.73%846.93%936.36%101.14%39.84%48.18%56.82%57.01%47.34%42.68%28.94%21.16%13.46%11.99%11.07%11.31%12.48%17.18%25.14%26.46%16.79%15.35%42.61%56.17%55.45%45.19%

Balance Sheet

Currency: USD2001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets129.83M133.18M136.10M139.82M273.92M261.94M268.92M247.66M240.90M236.94M226.13M222.95M324.06M299.65M296.30M291.87M308.49M318.39M330.63M321.14M338.06M328.08M349.02M374.97M372.16M362.40M
Total Liabilities--105.42M108.78M207.98M198.06M207.47M187.86M182.51M179.21M167.44M164.10M257.51M232.45M228.99M224.36M241.34M251.19M264.36M269.23M285.77M276.06M298.31M326.97M323.79M312.10M
Total Equity28.73M29.63M30.68M31.04M65.94M63.88M61.45M59.79M58.39M57.73M58.70M58.85M66.55M67.20M67.31M67.52M67.15M67.20M66.28M51.91M52.30M52.02M50.71M48.00M48.37M50.29M
Cash13.67M26.73M30.35M16.86M8.36M2.29M2.72M16.07M4.32M8.46M5.15M5.83M16.54M11.51M13.63M16.82M17.00M15.63M16.68M15.93M16.89M11.00M7.50M17.58M2.34M16.48M
Total Debt---9.00M53.78M54.85M130.26M47.80M40.16M32.01M25.26M27.07M24.31M17.20M26.64M33.21M55.78M53.05M66.70M54.72M56.87M34.07M70.09M68.99M42.76M48.59M
Net Debt-13.67M-26.73M-30.35M-7.86M45.43M52.55M127.54M31.73M35.94M23.55M20.11M21.33M7.77M5.69M13.00M16.39M38.77M37.42M50.02M38.78M39.98M23.07M62.59M51.40M40.42M32.11M

Cash Flow

Currency: USD2003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow-1.02M1.08M1.64M1.02M1.26M1.41M1.19M3.51M1.44M3.77M2.49M3.10M1.45M2.11M1.15M1.00M1.04M1.58M2.64M1.15M-1.45M-86.00K-
Investing Cash Flow--17.47M-5.72M5.21M-5.95M34.86M-5.22M7.19M6.04M4.54M15.86M18.46M4.82M3.93M-17.87M-12.58M-12.58M243.00K-8.85M13.33M-39.48M-16.60M6.12M-
Financing Cash Flow-2.97M-3.86M-12.91M5.36M-22.87M-7.93M-4.23M-12.86M-5.29M-8.82M-25.98M-5.79M-5.91M15.47M8.57M11.49M2.56M15.21M-11.80M20.68M28.18M-4.84M-
Capital Expenditure039.00K65.00K40.00K57.00K110.00K294.00K59.00K121.00K163.00K76.00K309.00K884.00K1.11M124.00K151.00K148.00K165.00K101.00K151.00K127.00K66.00K149.00K0
Free Cash Flow-981.00K1.01M1.60M963.00K1.15M1.11M1.13M3.38M1.28M3.69M2.18M2.21M338.00K1.99M998.00K854.00K877.00K1.48M2.49M1.02M-1.52M-235.00K-
Dividends Paid-1.41M353.00K1.55M1.35M1.18M1.17M1.14M1.11M1.60M1.28M1.51M1.39M1.48M1.49M1.45M1.44M1.39M1.39M1.39M1.36M670.00K--
FCF to OCF-96.18%93.98%97.56%94.41%91.26%79.09%95.03%96.55%88.70%97.98%87.58%71.45%23.37%94.13%86.86%85.23%84.17%93.61%94.28%88.98%104.54%273.26%-
Dividend Paid to FCF-143.73%34.81%96.69%140.71%102.96%105.13%100.71%32.85%125.31%34.73%69.38%62.61%437.87%74.80%145.59%168.15%158.27%93.78%55.98%132.98%-44.08%--

Earnings

Report DateSep 30, 1998Dec 31, 1998Mar 31, 1999Sep 30, 1999Dec 31, 1999Mar 31, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Aug 10, 2005Oct 19, 2005Jan 23, 2006Apr 24, 2006Jul 26, 2006Oct 23, 2006Jan 29, 2007Apr 24, 2007Aug 17, 2007Oct 24, 2007Jan 22, 2008Apr 24, 2008Aug 13, 2008Oct 21, 2008Jan 20, 2009Apr 21, 2009Aug 28, 2009Nov 4, 2009Feb 1, 2010May 4, 2010Nov 2, 2010Feb 1, 2011May 16, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Nov 7, 2016Feb 7, 2017May 8, 2017Aug 28, 2017Nov 7, 2017Feb 7, 2018May 15, 2018Aug 29, 2018Oct 29, 2018Feb 6, 2019May 3, 2019Aug 30, 2019Oct 31, 2019Jan 31, 2020May 4, 2020Sep 21, 2020Nov 5, 2020Jan 29, 2021May 3, 2021Aug 27, 2021Nov 5, 2021Feb 4, 2022May 2, 2022Sep 2, 2022Nov 14, 2022Feb 7, 2023May 15, 2023Sep 6, 2023Nov 10, 2023Feb 12, 2024May 10, 2024Sep 18, 2024Nov 14, 2024Feb 10, 2025May 8, 2025Sep 19, 2025Nov 14, 2025Feb 10, 2026Mar 31, 2026Aug 7, 2026Nov 5, 2026
EPS Estimate--------------------------------0.040.050.050.040.040.040.040.04---------------------0.00-----------------------0.000.000.00--------0.00-----
EPS Actual0.110.110.110.110.110.120.130.140.130.010.120.120.11-0.010.120.110.100.070.060.050.040.040.030.020.030.030.020.030.030.040.040.040.050.04-0.050.030.040.040.040.060.060.050.070.050.070.120.080.100.050.070.060.050.050.070.060.060.060.050.020.050.040.030.020.020.030.030.070.020.020.020.020.020.040.030.030.03-1.610.030.050.060.080.070.060.040.030.050.050.020.01-0.02-0.05-0.01-0.13-0.000.000.000.020.040.080.070.08-
Surprise--------------------------------25.00%-20.00%-200.00%-25.00%0.00%0.00%0.00%50.00%--------------------------------------------------------------
Timing-------------------------------------After-hoursAfter-hoursAfter-hours---------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours-After-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketPre-market------

Key Statistics & Ratios

Market Cap45.58M
Enterprise Value77.69M
Trailing P/E23.49
Forward P/E46.08
PEG Ratio0.00
Price / Sales3.96
Price / Book0.90
EPS0.24
Book Value6.22
Revenue (TTM)11.50M
Gross Profit (TTM)11.50M
Profit Margin16.60%
Operating Margin29.29%
Return on Equity3.87%
Return on Assets0.52%
Shares Outstanding8.09M
Shares Float3.03M
Beta0.14
Dividend Yield3.58%
Dividend Rate0.20
Payout Ratio18.40%

Ownership Breakdown

Institutions
3.73%
Insiders
62.46%
Retail / Other
33.81%

Top Institutional Holders

  • TI-TRUST, INC
    84.93K1.05%
  • Dimensional Fund Advisors, Inc.
    80.64K1.00%
  • Vanguard Capital Management, LLC
    55.11K0.68%
  • Farmers National Bank
    22.08K0.27%
  • Geode Capital Management, LLC
    16.67K0.21%
  • Vanguard Fiduciary Trust Co
    16.61K0.21%
  • Citadel Advisors Llc
    11.94K0.15%
  • Kentucky Trust Co
    11.86K0.15%
  • Morgan Stanley - Brokerage Accounts
    3.24K0.04%
  • Advisor Group Holdings, Inc.
    2.45K0.03%

Top Fund Holders

  • DFA US Micro Cap I
    40.64K0.50%
  • Vanguard MStar Total Stk Mkt Idx Invest
    18.65K0.23%
  • Fidelity Extended Market Index
    14.87K0.18%
  • iShares Micro-Cap ETF
    9.09K0.11%
  • DFA US Core Equity 1 I
    6.57K0.08%
  • DFA US Core Equity 2 I
    5.42K0.07%
  • Dimensional US Core Equity 2 ETF
    3.51K0.04%
  • Dimensional US Small Cap ETF
    3.40K0.04%
  • Dimensional US Sustainability Core 1 ETF
    3.05K0.04%
  • Fidelity Series Total Market Index
    2.80K0.03%

Dividends

20261×
0.05Aug 31, 2026
20234×
0.10Oct 30, 20230.10Jul 28, 20230.10Apr 27, 20230.10Jan 30, 2023
20224×
0.10Oct 28, 20220.10Jul 28, 20220.10Apr 28, 20220.10Jan 28, 2022
20214×
0.10Oct 28, 20210.10Jul 29, 20210.10Apr 29, 20210.10Jan 28, 2021
20204×
0.10Oct 29, 20200.10Jul 30, 20200.10Apr 29, 20200.10Jan 30, 2020
20194×
0.10Oct 30, 20190.10Jul 30, 20190.10Apr 29, 20190.10Jan 30, 2019
20183×
0.10Oct 30, 20180.10Jul 30, 20180.10Apr 27, 2018

Stock Splits

  • Mar 3, 20052349:1000