KENTUCKY FIRST FEDERAL BANCO (KFFB)
US4912921081 - Common Stock
We assign a fundamental rating of 2 out of 10 to KFFB. KFFB was compared to 412 industry peers in the Banks industry. The financial health of KFFB is average, but there are quite some concerns on its profitability. KFFB is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
KFFB had negative earnings in the past year.
KFFB had a negative operating cash flow in the past year.
Of the past 5 years KFFB 4 years were profitable.
In the past 5 years KFFB always reported a positive cash flow from operatings.
1.2 Ratios
KFFB has a Return On Assets of -0.10%. This is amonst the worse of the industry: KFFB underperforms 94.16% of its industry peers.
Looking at the Return On Equity, with a value of -0.72%, KFFB is doing worse than 94.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -0.72% | ||
| ROIC | N/A |
ROA(3y)0.43%
ROA(5y)-0.47%
ROE(3y)2.79%
ROE(5y)-2.92%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
KFFB's Profit Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for KFFB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-4.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
KFFB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, KFFB has less shares outstanding
The number of shares outstanding for KFFB has been reduced compared to 5 years ago.
KFFB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
KFFB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
KFFB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -121.28%.
The Earnings Per Share has been decreasing by -6.01% on average over the past years.
Looking at the last year, KFFB shows a very negative growth in Revenue. The Revenue has decreased by -20.76% in the last year.
Measured over the past years, KFFB shows a decrease in Revenue. The Revenue has been decreasing by -2.54% on average per year.
EPS 1Y (TTM)-121.28%
EPS 3YN/A
EPS 5Y-6.01%
EPS growth Q2Q-189.14%
Revenue 1Y (TTM)-20.76%
Revenue growth 3Y-1.96%
Revenue growth 5Y-2.54%
Revenue growth Q2Q-32.42%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for KFFB. In the last year negative earnings were reported.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.13%, KFFB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.83, KFFB pays a better dividend. On top of this KFFB pays more dividend than 98.05% of the companies listed in the same industry.
KFFB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
5.2 History
The dividend of KFFB decreases each year by -0.67%.
KFFB has paid a dividend for at least 10 years, which is a reliable track record.
KFFB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.67%
Div Incr Years0
Div Non Decr Years18
5.3 Sustainability
The earnings of KFFB are negative and hence is the payout ratio. KFFB will probably not be able to sustain this dividend level.
The Dividend Rate of KFFB has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-376.69%
EPS Next 2YN/A
EPS Next 3YN/A
KENTUCKY FIRST FEDERAL BANCO
NASDAQ:KFFB (4/25/2024, 7:01:12 PM)
3.9
+0.1 (+2.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap31.55M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -0.72% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-121.28%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-20.76%
Revenue growth 3Y-1.96%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y