A Business at a Glance
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Kentucky First Federal Bancorp
KFFB
$42M
Mkt Cap
$5.22
+0.87%
Kentucky First Federal Bancorp (KFFB) has a current P/E ratio of 52.2, compared to its historical median P/E of 38.2. The stock is currently considered Expensive based on its historical valuation range.
Kentucky First Federal Bancorp (KFFB) has a 5-year average return on invested capital (ROIC) of 0.9%. This is below average and may indicate limited pricing power.
Kentucky First Federal Bancorp (KFFB) has a market capitalization of $45M. 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 expensive. The current P/E of 52.2 is 37% above its historical median of 38.2. The estimated fair value CAGR (P/E method) is -10.1%.
Kentucky First Federal Bancorp (KFFB) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
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.
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 | - | - | - | - | - |
| Net Income | 182M | 181M | -1.7B | 933M | 1.6B | 1.8B |
| EPS | $21.13 | $22.38 | $-0.21 | $0.11 | $0.19 | $0.22 |
| Free Cash Flow | -114K | -235K | -1.5M | 1.0M | 2.5M | 1.5M |
| ROIC | 0.0% | 1.1% | -7.0% | 2.4% | 4.0% | 4.2% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.04 | 0.04 | 5.88 | 5.31 | 5.46 |
| Dividends/Share | $0.00 | - | $0.00 | $0.00 | $0.00 | $0.00 |
| Operating Income | 0 | 238K | -2.0M | 1.2M | 2.1M | 2.2M |
| Operating Margin | 0.0% | - | - | - | - | - |
| ROE | 370.0% | 375.7% | -3585.6% | 1839.8% | 3056.2% | 3480.2% |
| Shares Outstanding | 9M | 8M | 8,195M | 8,482M | 8,368M | 8,273M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 13M | 13M | 12M | 12M | 13M | 13M | 13M | N/A | N/A | N/A | N/A | N/A | 10M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 5.4M | 4.9M | 5.3M | 5.3M | 5.7M | 5.8M | 5.5M | 5.4M | 4.9M | 4.9M | 5.0M | 4.8M | 5.0M |
| EBIT | 2.9M | 3.1M | 2.1M | 1.4M | 1.3M | 187K | -12M | 2.2M | 2.1M | 1.2M | -2.0M | 238K | 0 |
| Op. Margin | 21.4% | 23.9% | 17.4% | 12.4% | 10.2% | 1.4% | -92.9% | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Net Income | 1.9M | 2.1M | 1.5M | 935K | 1.3M | 812K | -13M | 1.8B | 1.6B | 933M | -1.7B | 181M | 182M |
| Net Margin | 14.3% | 16.0% | 12.5% | 8.0% | 10.5% | 6.3% | -94.9% | N/A | N/A | N/A | N/A | N/A | 1795.5% |
| Non-Recurring | 101K | 87K | 151K | 235K | 37K | 75K | 14M | 17K | 14M | 14M | 955K | 14M | 14M |
| Returns on Capital | |||||||||||||
| ROIC | 2.9% | 3.1% | 2.2% | 1.4% | 2.0% | 1.2% | -21.2% | 4.2% | 4.0% | 2.4% | -7.0% | 1.1% | 0.0% |
| ROE | 2.9% | 3.1% | 2.2% | 1.4% | 2.0% | 1.2% | -21.2% | 3480.2% | 3056.2% | 1839.8% | -3585.6% | 375.7% | 370.0% |
| ROA | 0.6% | 0.7% | 0.5% | 0.3% | 0.4% | 0.3% | -3.8% | 552.2% | 477.4% | 275.6% | -475.4% | 48.5% | 48.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 2.5M | 3.1M | 1.4M | 2.1M | 1.1M | 1.0M | 1.0M | 1.6M | 2.6M | 1.2M | -1.5M | -86K | 21K |
| Free Cash Flow | 2.2M | 2.2M | 338K | 2.0M | 998K | 854K | 877K | 1.5M | 2.5M | 1.0M | -1.5M | -235K | -114K |
| Owner Earnings | 2.0M | 2.7M | 937K | 1.5M | 652K | 562K | 653K | 1.2M | 2.3M | 893K | -1.7M | -287K | -6.5M |
| CapEx | 309K | 884K | 1.1M | 124K | 151K | 148K | 165K | 101K | 151K | 127K | 66K | 149K | 135K |
| Maint. CapEx | 288K | 278K | 321K | 336K | 309K | 282K | 277K | 288K | 285K | 255K | 234K | 201K | 6.5M |
| Growth CapEx | 21K | 606K | 787K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 288K | 278K | 321K | 336K | 309K | 282K | 277K | 288K | 285K | 255K | 234K | 201K | 6.5M |
| CapEx/OCF | 12.4% | 28.6% | 76.6% | 5.9% | 13.1% | 14.8% | 15.8% | 6.4% | 5.7% | 11.0% | N/A | N/A | 642.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.5M | 1.4M | 1.5M | 1.5M | 1.5M | 1.4M | 1.4M | 1.4M | 1.4M | 1.4M | 670K | 0 | 0 |
| Dividend Yield | 3.6% | 3.3% | 3.0% | 2.8% | 2.7% | 3.0% | 3.0% | 0.0% | 0.0% | 0.0% | 0.0% | N/A | N/A |
| Share Buybacks | 42K | 698K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 461K | 0 | 0 | 0 |
| Buyback Yield | 0.1% | 1.6% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.9% | N/A | N/A | 0.0% |
| Stock-Based Comp | 155K | 154K | 188K | 213K | 188K | 158K | 112K | 122K | 73K | 4K | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | -9.2M | N/A | N/A | N/A | -26M | -27M | -31M |
| Cash & Equiv. | 12M | 14M | 13M | 13M | 9.9M | 9.9M | 14M | 22M | 26M | 8.2M | 18M | 19M | 31M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 3.46 | 3.40 | 3.32 | 3.59 | 3.74 | 3.99 | 0.10 | 5.46 | 5.31 | 5.88 | 0.04 | 0.04 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 67M | 67M | 68M | 67M | 67M | 66M | 52M | 52M | 52M | 51M | 48M | 48M | 49M |
| Total Assets | 300M | 296M | 292M | 308M | 318M | 331M | 321M | 338M | 328M | 349M | 375M | 371M | 375M |
| Total Liabilities | 232M | 229M | 224M | 241M | 251M | 264M | 269M | 286M | 276M | 298M | 327M | 323M | 326M |
| Intangibles | 15M | 15M | 15M | 15M | 15M | 15M | 947K | 947K | 947K | 947K | 947K | 15M | 15M |
| Retained Earnings | 34M | 35M | 35M | 34M | 34M | 34M | 20M | 20M | 21M | 20M | 17M | 18M | 18M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.23 | 0.25 | 0.18 | 0.11 | 0.16 | 0.10 | -1.52 | 0.22 | 0.19 | 0.11 | -0.21 | 22.38 | 21.13 |
| Owner EPS | 0.24 | 0.32 | 0.11 | 0.18 | 0.08 | 0.07 | 0.08 | 0.00 | 0.00 | 0.00 | -0.00 | -0.04 | -0.75 |
| Book Value | 7.99 | 8.13 | 8.10 | 7.90 | 8.13 | 8.16 | 6.29 | 0.01 | 0.01 | 0.01 | 0.01 | 5.98 | 5.71 |
| Cash Flow/Share | 0.30 | 0.37 | 0.17 | 0.25 | 0.14 | 0.12 | 0.13 | 0.00 | 0.00 | 0.00 | -0.00 | -0.01 | 21.89 |
| Dividends/Share | 0.18 | 0.17 | 0.18 | 0.17 | 0.18 | 0.18 | 0.17 | 0.00 | 0.00 | 0.00 | 0.00 | N/A | 0.00 |
| Shares Out. | 8.4M | 8.3M | 8.3M | 8.5M | 8.3M | 8.1M | 8.3M | 8.3B | 8.4B | 8.5B | 8.2B | 8.1M | 8.6M |
| Valuation | |||||||||||||
| P/E Ratio | 23.0 | 21.4 | 31.4 | 58.8 | 37.7 | 60.0 | N/A | 28.9 | 38.2 | 56.0 | N/A | 140.0 | 0.2 |
| P/FCF | 20.5 | 20.0 | 139.2 | 27.9 | 50.0 | 57.1 | 49.5 | N/A | N/A | N/A | N/A | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.7 | 0.7 | 0.7 | N/A | 0.7 | 0.7 | 0.8 | 1.0 | 1.2 | 1.0 | 0.5 | 0.5 | 0.9 |
| Price/Sales | 3.5 | 3.7 | 4.6 | 5.1 | 5.1 | 3.8 | 3.7 | 3.7 | 4.9 | 6.0 | 5.0 | 3.0 | 4.4 |
| FCF Yield | 4.9% | 5.0% | 0.7% | 3.6% | 2.0% | 1.8% | 2.0% | 2.8% | 4.1% | 2.0% | -5.9% | -0.9% | -0.3% |
| Market Cap | 45M | 44M | 47M | 55M | 50M | 49M | 43M | 53M | 61M | 52M | 26M | 25M | 45M |
| Avg. Price | 4.94 | 5.13 | 5.82 | 6.15 | 6.48 | 5.81 | 5.65 | 5.59 | 6.50 | 6.49 | 4.45 | 2.92 | 5.22 |
| Year-End Price | 5.30 | 5.35 | 5.64 | 6.47 | 6.03 | 6.00 | 5.26 | 6.37 | 7.26 | 6.16 | 3.16 | 2.80 | 5.22 |
Kentucky First Federal Bancorp passes 3 of 9 quality checks, indicating weak fundamentals.
Kentucky First Federal Bancorp trades at 52.2x trailing earnings, compared to its 15-year median P/E of 38.2x, suggesting it is currently Expensive relative to its historical range. The company's 5-year average ROIC is 0.9%. At current prices, the estimated annualized return to fair value is -11.1%.
Kentucky First Federal Bancorp (KFFB) has a debt-to-equity ratio of 0.04. This indicates a conservatively financed balance sheet.
Kentucky First Federal Bancorp (KFFB) reported earnings per share (EPS) of $22.38 in its most recent fiscal year.
Kentucky First Federal Bancorp (KFFB) has a return on equity (ROE) of 375.7%. This indicates the company generates strong returns for shareholders.
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 $5.98, based on its most recent annual SEC filing.