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Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provides various banking products and services in Kentucky. The company is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. Its loan portfolio comprises one-to four-family, multi-family, and construction residential real estate loans; nonresidential real estate loans comprising of commercial office buildings, churches and properties used for other purposes; and consumer loans, including home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans, as well as commercial non-mortgage loans. Kentucky First Federal Bancorp was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp operates as a subsidiary of First Federal MHC.
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| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Income before tax | 2.50M | 0.24M | -1.96M | 1.23M | 1.55M |
| Net income | 1.91M | 0.18M | -1.72M | 0.93M | 1.07M |
| Selling general administrative | - | 5.20M | 5.23M | 5.03M | 5.86M |
| Selling and marketing expenses | - | 0.19M | 0.17M | 0.15M | 0.14M |
| Gross profit | 11.50M | 8.71M | 7.22M | 9.16M | 9.16M |
| Reconciled depreciation | - | - | 0.23M | 0.26M | 0.28M |
| Ebit | - | 0.24M | -1.96M | 0.97M | 3.82M |
| Ebitda | 2.50M | 0.44M | -1.73M | 1.23M | 4.11M |
| Depreciation and amortization | - | 0.20M | 0.23M | 0.26M | 0.28M |
| Operating income | 2.50M | 0.24M | -1.96M | 1.23M | 3.82M |
| Other operating expenses | 18.92M | 19.41M | 18.49M | -7.93M | -5.34M |
| Interest expense | 9.68M | 10.90M | 9.28M | 3.90M | 1.75M |
| Tax provision | - | - | -0.24M | 0.29M | 0.48M |
| Interest income | - | - | 16.28M | 12.76M | 10.91M |
| Net interest income | - | - | 6.99M | 8.86M | 9.16M |
| Income tax expense | 0.59M | 0.06M | -0.24M | 0.29M | 0.48M |
| Total revenue | 21.42M | 19.65M | 16.53M | 9.16M | 9.16M |
| Total operating expenses | 9.00M | 8.48M | 9.18M | -7.93M | -5.34M |
| Cost of revenue | 9.92M | 10.94M | 9.31M | - | - |
| Total other income expense net | - | -8.56M | -2.00M | - | -2.27M |
| Net income from continuing ops | - | - | -1.72M | 0.93M | 1.55M |
| Net income applicable to common shares | - | - | - | 0.93M | 1.59M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Total assets | 362.40M | 372.16M | 374.97M | 349.02M | 328.08M |
| Other current assets | - | 20.92M | 0.22M | 1.05M | 1.18M |
| Total liab | 312.10M | 323.79M | 326.97M | 70.09M | 276.06M |
| Total stockholder equity | 50.29M | 48.37M | 48.00M | 50.71M | 52.02M |
| Other current liab | - | 202.79M | 256.14M | -0.07M | -0.01M |
| Common stock | 50.29M | 0.09M | 0.09M | 0.09M | 0.09M |
| Capital stock | - | - | 0.09M | 0.09M | 0.09M |
| Retained earnings | - | 17.51M | 17.32M | 20.13M | 20.56M |
| Other liab | - | - | - | 1.84M | 2.12M |
| Good will | - | - | 0.00M | 0.95M | 0.95M |
| Other assets | - | 351.24M | 341.15M | 327.55M | 289.63M |
| Cash | 16.48M | 2.34M | 17.58M | 8.17M | 25.82M |
| Total current liabilities | - | 210.48M | 256.31M | 0.07M | 0.01M |
| Current deferred revenue | - | - | 157.67M | - | - |
| Net debt | 32.11M | 40.42M | 51.40M | 61.92M | 8.24M |
| Short term debt | - | 7.69M | 68.97M | - | - |
| Short long term debt total | 48.59M | 42.76M | 68.99M | 70.09M | 34.07M |
| Other stockholder equity | 50.29M | 30.92M | 30.92M | 30.92M | 31.38M |
| Property plant equipment | - | - | - | 4.43M | 4.56M |
| Total current assets | 16.48M | 20.92M | 28.62M | 8.17M | 22.12M |
| Long term investments | - | - | 9.86M | 12.35M | 10.82M |
| Net tangible assets | - | - | - | 49.76M | 51.08M |
| Short term investments | - | 8.58M | 9.65M | 12.08M | 10.48M |
| Net receivables | - | 1.44M | 1.17M | 0.90M | 0.65M |
| Long term debt | - | - | 68.99M | 70.09M | 34.07M |
| Inventory | - | - | 0.22M | 0.07M | 0.01M |
| Accounts payable | - | - | 0.18M | 0.07M | 0.01M |
| Accumulated other comprehensive income | - | -0.14M | -0.34M | -0.43M | - |
| Non currrent assets other | 14.18M | -5.16M | 8.73M | -13.30M | -16.33M |
| Non current assets total | 345.91M | 359.80M | 346.35M | 13.30M | 16.33M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Investments | - | - | -16.60M | -39.48M | -10.08M |
| Change to liabilities | - | - | - | 0.07M | 0.16M |
| Total cashflows from investing activities | - | 6.12M | -16.60M | -39.48M | 13.33M |
| Net borrowings | - | - | -1.10M | 36.02M | -22.81M |
| Total cash from financing activities | - | -4.84M | 28.18M | 20.68M | -11.80M |
| Change to operating activities | - | - | - | 0.29M | -0.42M |
| Net income | 1.91M | 0.18M | -1.72M | 0.93M | 1.59M |
| Change in cash | -19.48M | 1.19M | 10.12M | -17.66M | 4.17M |
| Begin period cash flow | 19.48M | 18.29M | 8.17M | 25.82M | 21.65M |
| End period cash flow | - | 19.48M | 18.29M | 8.17M | 25.82M |
| Total cash from operating activities | - | -0.09M | -1.45M | 1.15M | 2.64M |
| Depreciation | - | 0.20M | 0.23M | 0.26M | 0.28M |
| Other cashflows from investing activities | - | 6.06M | -19.18M | 1.88M | 1.88M |
| Dividends paid | - | - | 0.67M | 1.36M | 1.39M |
| Change to account receivables | - | -0.27M | -0.27M | -0.25M | 0.04M |
| Sale purchase of stock | - | - | 0.00M | -0.46M | -0.54M |
| Other cashflows from financing activities | - | 21.38M | 29.95M | 0.03M | 21.94M |
| Change to netincome | - | - | - | -0.15M | 0.98M |
| Capital expenditures | 0.00M | 0.15M | 0.07M | 0.13M | 0.15M |
| Change in working capital | - | 0.55M | -0.32M | 0.11M | -0.22M |
| Stock based compensation | - | - | 0.00M | 0.00M | 0.07M |
| Other non cash items | -1.91M | -1.01M | 0.64M | 0.08M | 0.64M |
| Free cash flow | - | -0.23M | -1.52M | 1.02M | 2.49M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| KFFB Kentucky First Federal Bancorp |
0.02 0.35% |
5.80 | 25.35 | 46.08 | 4.10 | 0.96 | 8.26 |
| DBSDY DBS Group Holdings Ltd ADR |
2.50 1.14% |
221.55 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.26 0.75% |
34.27 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.01 0.01% |
93.32 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provides various banking products and services in Kentucky. The company is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. Its loan portfolio comprises one-to four-family, multi-family, and construction residential real estate loans; nonresidential real estate loans comprising of commercial office buildings, churches and properties used for other purposes; and consumer loans, including home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans, as well as commercial non-mortgage loans. Kentucky First Federal Bancorp was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp operates as a subsidiary of First Federal MHC.
| Name | Title | Year Born |
|---|---|---|
| Mr. Don D. Jennings | Pres, CEO, COO & Director | 1965 |
| Mr. R. Clay Hulette CPA | VP, Treasurer & CFO | 1962 |
| Ms. Teresa A. Kuhl Hulette | Exec. VP of First Federal Savings Bank of Kentucky | NA |
| Ms. Lee Ann Hockensmith | Sec. | NA |
| Ms. Jaime Steele Coffey | Pres & CEO of First Federal of Hazard | 1979 |
| Ms. Yvonne Thornberry | VP and Head of Loan Processing & Servicing - First Federal Savings Bank of Kentucky | NA |
| Ms. Stacey Greenawalt | VP & Head of Residential Lending - First Federal Savings Bank of Kentucky | NA |
| Ms. Deborah C. Bersaglia | VP, AVP for Lending & Sec. of First Federal Savings & Loan Association of Hazard | NA |
| Margaret P. Pelley | VP & Head Teller - First Federal Savings & Loan Association of Hazard | NA |
| Wick Asbury | Head of Lending - First Federal Savings Bank and VP of First Federal Saving Bank | NA |
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