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KENTUCKY FIRST FEDERAL BANCO (KFFB) Stock Fundamental Analysis

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

4.64 USD
-0.01 (-0.22%)
Last: 1/2/2026, 8:00:02 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to KFFB. KFFB was compared to 388 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.


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 had a positive cash flow from operations.
Of the past 5 years KFFB 4 years were profitable.
In multiple years KFFB reported negative operating cash flow during the last 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -5M -10M

1.2 Ratios

The Return On Assets of KFFB (0.15%) is worse than 87.63% of its industry peers.
KFFB has a worse Return On Equity (1.11%) than 88.14% of its industry peers.
Industry RankSector Rank
ROA 0.15%
ROE 1.11%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -5 -10 -15 -20

1.3 Margins

KFFB has a Profit Margin of 5.69%. This is amonst the worse of the industry: KFFB underperforms 87.11% of its industry peers.
KFFB's Profit Margin has declined in the last couple of years.
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) 5.69%
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 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.
KFFB has less shares outstanding than it did 5 years ago.
There is no outstanding debt for KFFB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
KFFB Yearly Shares OutstandingKFFB Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.2 Solvency

There is no outstanding debt for KFFB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC13.47%
KFFB Yearly LT Debt VS Equity VS FCFKFFB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2022 2023 2024 2025 200K 400K 600K 800K 1M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 135.76% over the past year.
KFFB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -51.04% yearly.
The Revenue has grown by 26.44% in the past year. This is a very strong growth!
Measured over the past years, KFFB shows a decrease in Revenue. The Revenue has been decreasing by -1.88% on average per year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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0

4. Valuation

4.1 Price/Earnings Ratio

KFFB is valuated quite expensively with a Price/Earnings ratio of 66.29.
KFFB's Price/Earnings ratio is rather expensive when compared to the industry. KFFB is more expensive than 86.60% of the companies in the same industry.
KFFB is valuated expensively when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 66.29
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

Based on the Price/Free Cash Flow ratio, KFFB is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 23.19
EV/EBITDA N/A
KFFB Per share dataKFFB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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 0%

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KENTUCKY FIRST FEDERAL BANCO

NASDAQ:KFFB (1/2/2026, 8:00:02 PM)

4.64

-0.01 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-07 2025-11-07
Earnings (Next)02-09 2026-02-09
Inst Owners3.67%
Inst Owner Change-4.15%
Ins Owners1.83%
Ins Owner Change0%
Market Cap37.54M
Revenue(TTM)9.49M
Net Income(TTM)540.00K
Analysts0
Price TargetN/A
Short Float %0.33%
Short Ratio1.5
Dividend
Industry RankSector Rank
Dividend Yield 0%
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 66.29
Fwd PE N/A
P/S 3.95
P/FCF 23.19
P/OCF 21.2
P/B 0.77
P/tB 0.77
EV/EBITDA N/A
EPS(TTM)0.07
EY1.51%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.2
FCFY4.31%
OCF(TTM)0.22
OCFY4.72%
SpS1.17
BVpS6.03
TBVpS6.03
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.08
Profitability
Industry RankSector Rank
ROA 0.15%
ROE 1.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 5.69%
GM N/A
FCFM 17.06%
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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 77.55%
Cap/Sales 1.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 299.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.47%
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 1Y2644.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1165%
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.


Can you provide the valuation status for KENTUCKY FIRST FEDERAL BANCO?

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


Can you provide the profitability details for KENTUCKY FIRST FEDERAL BANCO?

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


Can you provide the PE and PB ratios for KFFB stock?

The Price/Earnings (PE) ratio for KENTUCKY FIRST FEDERAL BANCO (KFFB) is 66.29 and the Price/Book (PB) ratio is 0.77.


How sustainable is the dividend of KENTUCKY FIRST FEDERAL BANCO (KFFB) stock?

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