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KENTUCKY FIRST FEDERAL BANCO (KFFB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:KFFB - US4912921081 - Common Stock

4.2 USD
-0.1 (-2.33%)
Last: 11/28/2025, 7:42:49 PM
Fundamental Rating

2

Overall KFFB gets a fundamental rating of 2 out of 10. We evaluated KFFB against 387 industry peers in the Banks industry. While KFFB seems to be doing ok healthwise, there are quite some concerns on its profitability. KFFB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

KFFB had positive earnings in the past year.
In the past year KFFB has reported a negative cash flow from operations.
Of the past 5 years KFFB 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: KFFB reported negative operating cash flow in multiple years.
KFFB Yearly Net Income VS EBIT VS OCF VS FCFKFFB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -5M -10M

1.2 Ratios

KFFB's Return On Assets of 0.05% is on the low side compared to the rest of the industry. KFFB is outperformed by 89.66% of its industry peers.
The Return On Equity of KFFB (0.37%) is worse than 89.66% of its industry peers.
Industry RankSector Rank
ROA 0.05%
ROE 0.37%
ROIC N/A
ROA(3y)-0.05%
ROA(5y)0.18%
ROE(3y)-0.46%
ROE(5y)1.03%
ROIC(3y)N/A
ROIC(5y)N/A
KFFB Yearly ROA, ROE, ROICKFFB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -5 -10 -15 -20

1.3 Margins

With a Profit Margin value of 2.05%, KFFB is not doing good in the industry: 89.66% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of KFFB has declined.
The Operating Margin and Gross Margin are not available for KFFB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 2.05%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-50.05%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
KFFB Yearly Profit, Operating, Gross MarginsKFFB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -50 -100

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4

2. Health

2.1 Basic Checks

KFFB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for KFFB remains at a similar level compared to 1 year ago.
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.
KFFB Yearly Shares OutstandingKFFB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
KFFB Yearly Total Debt VS Total AssetsKFFB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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 RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.59%
KFFB Yearly LT Debt VS Equity VS FCFKFFB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
KFFB Yearly Current Assets VS Current LiabilitesKFFB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2022 2023 2024 2025 200K 400K 600K 800K 1M

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2

3. Growth

3.1 Past

KFFB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 135.76%, which is quite impressive.
Measured over the past years, KFFB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -51.04% on average per year.
The Revenue has grown by 26.44% in the past year. This is a very strong growth!
KFFB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.88% yearly.
EPS 1Y (TTM)135.76%
EPS 3Y-51.04%
EPS 5YN/A
EPS Q2Q%2336.84%
Revenue 1Y (TTM)26.44%
Revenue growth 3Y-2.98%
Revenue growth 5Y-1.88%
Sales Q2Q%32.39%

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.
KFFB Yearly Revenue VS EstimatesKFFB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 60.00, KFFB can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of KFFB indicates a rather expensive valuation: KFFB more expensive than 86.56% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, KFFB is valued quite expensively.
Industry RankSector Rank
PE 60
Fwd PE N/A
KFFB Price Earnings VS Forward Price EarningsKFFB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
KFFB Per share dataKFFB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for KFFB!.
Industry RankSector Rank
Dividend Yield N/A

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KENTUCKY FIRST FEDERAL BANCO

NASDAQ:KFFB (11/28/2025, 7:42:49 PM)

4.2

-0.1 (-2.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-07 2025-11-07
Earnings (Next)02-09 2026-02-09
Inst Owners3.83%
Inst Owner Change-4.15%
Ins Owners1.98%
Ins Owner Change0%
Market Cap33.98M
Revenue(TTM)9.49M
Net Income(TTM)181.00K
Analysts0
Price TargetN/A
Short Float %0.7%
Short Ratio1.13
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.08
Dividend Growth(5Y)-13.65%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 60
Fwd PE N/A
P/S 3.84
P/FCF N/A
P/OCF N/A
P/B 0.7
P/tB 0.7
EV/EBITDA N/A
EPS(TTM)0.07
EY1.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.03
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS1.09
BVpS5.98
TBVpS5.98
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.07
Profitability
Industry RankSector Rank
ROA 0.05%
ROE 0.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.05%
GM N/A
FCFM N/A
ROA(3y)-0.05%
ROA(5y)0.18%
ROE(3y)-0.46%
ROE(5y)1.03%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-50.05%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 74.13%
Cap/Sales 1.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.59%
ROIC/WACCN/A
Cap/Depr(3y)50.78%
Cap/Depr(5y)47.71%
Cap/Sales(3y)1.34%
Cap/Sales(5y)1.3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)135.76%
EPS 3Y-51.04%
EPS 5YN/A
EPS Q2Q%2336.84%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.44%
Revenue growth 3Y-2.98%
Revenue growth 5Y-1.88%
Sales Q2Q%32.39%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y84.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y94.09%
OCF growth 3YN/A
OCF growth 5YN/A

KENTUCKY FIRST FEDERAL BANCO / KFFB FAQ

What is the ChartMill fundamental rating of KENTUCKY FIRST FEDERAL BANCO (KFFB) stock?

ChartMill assigns a fundamental rating of 2 / 10 to KFFB.


What is the valuation status of KENTUCKY FIRST FEDERAL BANCO (KFFB) stock?

ChartMill assigns a valuation rating of 0 / 10 to KENTUCKY FIRST FEDERAL BANCO (KFFB). This can be considered as Overvalued.


What is the profitability of KFFB stock?

KENTUCKY FIRST FEDERAL BANCO (KFFB) has a profitability rating of 1 / 10.


What are the PE and PB ratios of KENTUCKY FIRST FEDERAL BANCO (KFFB) stock?

The Price/Earnings (PE) ratio for KENTUCKY FIRST FEDERAL BANCO (KFFB) is 60 and the Price/Book (PB) ratio is 0.7.


Can you provide the dividend sustainability for KFFB stock?

The dividend rating of KENTUCKY FIRST FEDERAL BANCO (KFFB) is 0 / 10 and the dividend payout ratio is 0%.