KFFB logo

KENTUCKY FIRST FEDERAL BANCO

KFFBNASDAQ
πŸ† #4476 by market capUS Equity
$5.86β–² $0.23 (+3.96%)
Market closed Β· at close
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24hβ–² 4.0%
7dβ–² 2.6%
14dβ–² 2.6%
30dβ–² 1.7%
ytdβ–² 28.5%
1yβ–² 82.0%
🏦Market Cap
$47M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+9.0%
Slowing
πŸ“ŠGross Margin
53.7%
Healthy
πŸ’΅FCF Margin
4.2%
Moderate
βš–οΈP/S Ratio
2.2x
Cheap
Otter Score
88
Very Good

Trading Snapshot

Day Range
$5.77 – $5.97
52-Week Range
$2.97 – $6.46
Volume
$5.30B
Avg Volume
$5.84B
Shares Outstanding
8.1M
Next Earnings
Dec 7, 2026

Fundamentals Snapshot

Annual Revenue
$21M
Last Q Revenue
$5M
P/E Ratio
24.8
P/S Ratio
2.2x
EPS (TTM)
$0.24
Dividend Yield
0.85%
Dilution (1yr)
βˆ’0.1%

Why Investors Own KFFB

  • βœ“High-growth profile β€” revenue up +55.1% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 66% gross margin and 30% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

KFFB logo

KENTUCKY FIRST FEDERAL BANCO

KFFB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$21Mβ–² +9.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
53.7%β–² +21.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$3Mβ–² +952.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$0β–Ό βˆ’100.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
8.1Mβ–Ό βˆ’0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$32Mβ–² +$3M YoY
StockOtter Β· stockotter.space

About KENTUCKY FIRST FEDERAL BANCO

Kentucky First Federal Bancorp (KFFB) serves as the holding company for two financial institutions: First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. Together, these subsidiaries deliver a variety of banking products and services to communities throughout Kentucky. Customers can access a suite of deposit products, including passbook savings, certificate accounts, checking accounts, and individual retirement accounts. KFFB's comprehensive loan offerings include residential mortgages for single to four-family homes, construction financing, and loans secured by multi-family properties. A substantial portion of its portfolio consists of non-residential loans, which are backed by commercial office buildings, churches, and other purpose-built properties. Furthermore, it provides commercial loans not tied to real estate, alongside an array of consumer credit options. These range from home equity lines of credit (HELOCs) and loans secured by savings deposits to automobile loans and unsecured personal financing. Beyond direct lending, KFFB also invests in mortgage-backed securities. The company operates through a network of seven branch locations. Established in 2005, its headquarters are located in Hazard, Kentucky. Kentucky First Federal Bancorp itself is a subsidiary of First Federal MHC.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
88/100

Analyst Price Target

β“˜
Average Target
$6.34
β–² +8.2% Upside
High Target$6.95
Low Target$5.15
Based on 18 analysts

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