Kentucky First Federal Bancorp

KFFB

$5.55

+0.82%

2026-09-04 11:30:29 EDT+$0.05

Financial Services

Banks - Regional

NASDAQ

Active Trading

Kentucky First Federal Bancorp (KFFB) serves as the holding company for two financial institutions: First Federal Savings and Loan Association of Hazard, ...

Price Action of KFFB

$5.55

+0.82%+$0.05

High—

Low—

52W High-14.0%

Rel. vol—

Interval

Range50m

Volume—SMA5SMA10

—

Kentucky First Federal Bancorp (KFFB) is a bank holding company headquartered in Hazard, Kentucky, formed in March 2005 under federal law. It operates primarily through its two subsidiary banks: First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Frankfort (Frankfort First Bancorp, Inc.). Together, these ...Kentucky First Federal Bancorp (KFFB) is a bank holding company headquartered in Hazard, Kentucky, formed in March 2005 under federal law. It operates primarily through its two subsidiary banks: First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Frankfort (Frankfort First Bancorp, Inc.). Together, these entities provide a comprehensive range of banking products and services to communities across Kentucky. KFFB offers deposit products such as passbook savings accounts, certificate accounts, checking accounts, and individual retirement accounts (IRAs). On the lending side, the company provides residential mortgages for single to four-family homes, construction loans, and loans secured by multi-family properties. A significant portion of its loan portfolio comprises non-residential loans backed by commercial office buildings, churches, and other purpose-built properties. Additionally, it extends commercial loans not tied to real estate and various consumer credit options, including home equity lines of credit (HELOCs), loans secured by savings deposits, automobile loans, and unsecured personal financing. Beyond direct lending, KFFB invests in mortgage-backed securities to enhance portfolio diversification. The company operates through a network of seven branch locations, primarily in Hazard and Frankfort, Kentucky, and employs approximately 54 full-time staff. As of the latest data, KFFB has a market capitalization of around $44.8 million, with a stock price of $5.535. It trades on the NASDAQ Global Market under the symbol KFFB. The company's financial metrics indicate a price-to-earnings ratio of 31.9, a price-to-book ratio of 0.9, and a dividend yield of 7.2% based on a last dividend of $0.4 per share. KFFB has faced regulatory challenges, including a prior agreement with the Office of the Comptroller of the Currency (OCC), but has worked towards compliance and stability. The company's leadership includes R. Clay Hulette as CEO, though some sources indicate Don Jennings as President, suggesting a stable management structure. KFFB focuses on community banking and maintaining strong relationships with its local customers, aiming to empower financial success through personalized service and a range of accessible banking products.ExpandCollapse

Founded

2005

Employees

CEO

R. Clay Hulette

Full Name

Kentucky First Federal Bancorp

Sector

Financial Services

Industry

Banks - Regional

ROE

3.86%

Market Cap

$0.04B

WACC

10.54%

ROIC

11.58%

Contact Information

https://ffsbky.bank

502 223 1638

655 Main Street, Hazard, KY 41702

Key Metrics of KFFB

Snapshot

Latest / TTM · 6 periods

Market Cap

$44.84M

ROCE

0.7%

EV / EBITDA

30.52x

+0.0% YoY

FCF Yield

1.8%

+1.8% YoY

Cash Conversion Cycle

0.0d

Current Ratio

0.00

Quick take

TTM —

Current ratio below 1.0

Financial Highlights of KFFB

Profitability trend

Latest / TTM · 6 periods

Gross Margin

53.7%

Net Margin

8.9%

P/E Ratio

25.60x

n/a

Debt / Equity

0.97

n/a

Current Ratio

0.00

Dividend Yield

0.8%

Understanding

TTM —

Current ratio below 1.0

Calendar of KFFB

Upcoming

Sep 21, 2026In 17 days
Dividend payment
$0.00 per share

Recent history

Aug 31, 2026
Ex-dividend date
$0.00 per share
Jun 30, 2026
FY2026 · Annual results
EPS $0.24 · Revenue $21.42M
May 15, 2026
Q3 FY2026 · Results reported
EPS $0.07 · Revenue $5.40M
View filing
Feb 13, 2026
Q2 FY2026 · Results reported
EPS $0.04 · Revenue $5.35M
View filing
Nov 14, 2025
Q1 FY2026 · Results reported
EPS $0.04 · Revenue $5.21M
View filing
Sep 30, 2025
FY2025 · Annual results
EPS $0.02 · Revenue $19.65M
View filing

Financial Statements of KFFB

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$21.4M	+9.0%	+1.3%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$1.9M	+954.7%	+17.0%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+53.7%	+21.1%	+1.7%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+11.7%	+865.1%	+17.0%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+8.9%	+867.4%	+15.5%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$0	+100.0%	-100.0%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	0.0%	+100.0%	-100.0%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	96.6%	+9.3%	-2.0%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	—	—	—
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$362.4M	-2.6%	-3.2%

Actual vs Estimate

A Jun 30Q Mar 31

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	0.24 vs 0.62	-61.3%	0.08 vs 1.57	-94.6%
Revenue Surprise	$21.4M vs $28.8M	-25.6%	$5.5M vs $7.9M	-30.5%

Insider Transactions of KFFB

Acquisitions (A)

Since Jun 15, 2022

Disposals (D)

Since Jun 15, 2022

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Jun 27, 2025	JOHNSON WILLIAM H	director	Common Stock	D	3,597	$2.85
Dec 23, 2024	JOHNSON WILLIAM H	director	Common Stock	A	10,000	$2.98
Apr 2, 2024	JOHNSON WILLIAM H	director, officer: Vice President	Common Stock	A	1,700	$3.93
Jan 2, 2024	Eades Tyler Wayne	officer: VP & Chief Financial Officer	Common Stock	—	0	—
Jan 23, 2023	Ecton Walter G Jr	director	Common Stock	A	16	$6.65

Leadership Team of KFFB

4 executives

Name	Title	Compensation	Gender	Year Born	Status
Don D. Jennings	President, Chief Operating Officer & Director	USD 201,302	Male	1965	Active
Jaime Steele Coffey	Secretary	USD 128,339	Female	1980	Active
R. Clay Hulette	Chief Executive Officer & Director	USD 16,800	Male	1962	Active
Tyler Eades	Chief Financial Officer & Vice President	—	Male	1996	Active