A Business at a Glance
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Forward-Looking Statements Certain statements contained in this report, as well as other periodic reports filed with the Securities and Exchange Commission, that are not historical facts are considered “forward-looking statements” under the Private Securities Litigation Reform Act of 1995, that are subject to certain risks and uncertainties. These forward-looking statements may be identified by the use of words such as “believe,” “expect,” “anticipate,” “plan,” “estimate,” “intend” and “potential,” or words of similar meaning, or future or conditional verbs such as “should,” “could,” or “may.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 10M | 8.8M | 7.2M | 9.2M | 11M | 13M |
| Net Income | 831K | 181K | -1.7M | 933K | 1.6M | 1.8M |
| EPS | $0.10 | $0.02 | $-0.21 | $0.11 | $0.19 | $0.22 |
| Free Cash Flow | -114K | -235K | -1.5M | 1.0M | 2.5M | 1.5M |
| ROIC | 0.0% | - | - | - | 0.3% | 0.3% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 6.67 | 6.81 | 5.88 | 5.31 | 5.46 |
| Dividends/Share | $0.00 | - | $0.08 | $0.16 | $0.17 | $0.17 |
| Operating Income | 0 | - | - | - | 217K | 177K |
| Operating Margin | 0.0% | - | - | - | 1.9% | 1.4% |
| ROE | 1.7% | 0.4% | -3.6% | 1.8% | 3.0% | 3.5% |
| Shares Outstanding | 8M | 9M | 8M | 8M | 8M | 8M |
Kentucky First Federal Bancorp passes 0 of 9 quality checks, indicating weak fundamentals.
Kentucky First Federal Bancorp trades at 44.4x trailing earnings, compared to its 15-year median P/E of 38.2x, suggesting it is currently Fair relative to its historical range. The company's 5-year average ROIC is 0.3%. At current prices, the estimated annualized return to fair value is -10.5%.
Kentucky First Federal Bancorp (KFFB) has a current P/E ratio of 44.4, compared to its historical median P/E of 38.2. The stock is currently considered Fair based on its historical valuation range.
Kentucky First Federal Bancorp (KFFB) has a 5-year average return on invested capital (ROIC) of 0.3%. This is below average and may indicate limited pricing power.
Kentucky First Federal Bancorp (KFFB) has a market capitalization of $36M. It is classified as a small-cap stock.
Kentucky First Federal Bancorp (KFFB) does not currently pay a regular dividend.
Based on historical P/E analysis, Kentucky First Federal Bancorp (KFFB) appears fair. The current P/E of 44.4 is 16% above its historical median of 38.2. The estimated fair value CAGR (P/E method) is -11.4%.
Kentucky First Federal Bancorp (KFFB) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
Kentucky First Federal Bancorp (KFFB) reported annual revenue of $9 million in its most recent fiscal year, based on SEC EDGAR filings.
Kentucky First Federal Bancorp (KFFB) has a net profit margin of 2.0%. This is a modest margin.
Kentucky First Federal Bancorp (KFFB) generated $-235 thousand in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Kentucky First Federal Bancorp (KFFB) has a debt-to-equity ratio of 6.67. This indicates higher leverage, which may increase financial risk.
Kentucky First Federal Bancorp (KFFB) reported earnings per share (EPS) of $0.02 in its most recent fiscal year.
Kentucky First Federal Bancorp (KFFB) has a return on equity (ROE) of 0.4%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for Kentucky First Federal Bancorp (KFFB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Kentucky First Federal Bancorp (KFFB) has a book value per share of $5.34, based on its most recent annual SEC filing.