KFFB

MKT CAP:$35M

Kentucky First Federal Bancorp

Market Cap

$35M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$4.41-$0.23 (-5.06%)

Apr 23, 2026

Company Details

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. that provide various banking products and services in Kentucky. The company accepts d...

CEO

R. Clay Hulette

IPO Date

Mar 3, 2005

Website

ffsbky.bank

Key Metrics TTM

Revenue

$21M

+11.4% YoY

Net Income

$831.0K

EPS (Diluted)

$0.10

Free Cash Flow

-$114.0K

Revenue / Share

$2.54

Gross Margin

48.9%

Operating Margin

5.4%

Net Margin

4.0%

FCF Margin

-0.6%

P/S

1.7x

P/E

42.3x

Earnings Reports

Q3 2026

May 11, 2026

PENDING

Q2 2026

Feb 13, 2026

$5M+8.1%EPS $0.04

Q1 2026

Nov 14, 2025

$5M+9.4%EPS $0.04

FY 2025

Sep 30, 2025

$20M+18.9%EPS $0.02

Q4 2025

Sep 30, 2025

$5M+12.9%EPS $0.02

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q3 22	$3M	$2M	$467.0K
Q4 22	$3M	$2M	$309.0K
Q1 23	$3M	$2M	$489.0K
Q2 23	$3M	$3M	$487.0K
Q3 23	$3M	$2M	$198.0K
Q4 23	$4M	$2M	$53.0K
Q1 24	$4M	$2M	-$244.0K
Q2 24	$4M	$2M	-$455.0K
Q3 24	$4M	$2M	-$145.0K
Q4 24	$4M	$2M	-$1M
Q1 25	$5M	$2M	-$21.0K
Q2 25	$5M	$2M	$6.0K
Q3 25	$5M	$2M	$15.0K
Q4 25	$5M	$2M	$239.0K
Q1 26	$5M	$3M	$453.0K
Q2 26	$5M	$3M	$401.0K

Valuation

Quarter	P/S	P/E
Q3 22	2.9x	16.9x
Q4 22	3.1x	22.1x
Q1 23	3.1x	25.2x
Q2 23	3.1x	27.3x
Q3 23	2.9x	32.1x
Q4 23	2.7x	37.7x
Q1 24	2.5x	91.4x
Q2 24	2.4x	—
Q3 24	2.3x	—
Q4 24	2.1x	—
Q1 25	2.0x	—
Q2 25	1.9x	—
Q3 25	1.8x	—
Q4 25	1.8x	194.3x
Q1 26	1.7x	65.1x
Q2 26	1.7x	42.3x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q3 22	-$281.0K	-$328.0K
Q4 22	$1M	$1M
Q1 23	$436.0K	$367.0K
Q2 23	$367.0K	$320.0K
Q3 23	$199.0K	$193.0K
Q4 23	$150.0K	$145.0K
Q1 24	-$570.0K	-$591.0K
Q2 24	-$522.0K	-$546.0K
Q3 24	-$176.0K	-$191.0K
Q4 24	-$186.0K	-$192.0K
Q1 25	-$1M	-$1M
Q2 25	$1M	$1M
Q3 25	-$155.0K	-$220.0K
Q4 25	$29.0K	$28.0K
Q1 26	$450.0K	$445.0K
Q2 26	-$303.0K	-$367.0K

Capital Expenditures

Quarter	CapEx
Q3 22	$47.0K
Q4 22	$24.0K
Q1 23	$69.0K
Q2 23	$47.0K
Q3 23	$6.0K
Q4 23	$5.0K
Q1 24	$21.0K
Q2 24	$24.0K
Q3 24	$15.0K
Q4 24	$6.0K
Q1 25	$2.0K
Q2 25	$81.0K
Q3 25	$65.0K
Q4 25	$1.0K
Q1 26	$5.0K
Q2 26	$64.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q3 22	-15.0%	-12.9%
Q4 22	-19.6%	-8.2%
Q1 23	-6.8%	+1.8%
Q2 23	+11.1%	+15.8%
Q3 23	+23.5%	+40.8%
Q4 23	+33.7%	+48.8%
Q1 24	+27.7%	+62.5%
Q2 24	+24.2%	+63.2%
Q3 24	+29.6%	+42.7%
Q4 24	+24.9%	+58.3%
Q1 25	+24.9%	+17.9%
Q2 25	+24.7%	+11.8%
Q3 25	+15.9%	+11.7%
Q4 25	+12.9%	-13.8%
Q1 26	+9.4%	-0.5%
Q2 26	+8.1%	+0.1%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q3 22	$2.0K	0.1%
Q4 22	$1.0K	0.0%
Q1 23	$3.0K	0.1%
Q2 23	$2.0K	0.1%
Q3 23	-$1.0K	-0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%
Q1 26	$0	0.0%
Q2 26	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q3 22	$1M	$20.0K
Q4 22	$1M	$29.0K
Q1 23	$1M	$32.0K
Q2 23	$1M	$47.0K
Q3 23	$1M	$31.0K
Q4 23	$1M	$41.0K
Q1 24	$1M	$39.0K
Q2 24	$1M	$49.0K
Q3 24	$1M	$36.0K
Q4 24	$1M	$43.0K
Q1 25	$1M	$42.0K
Q2 25	$1M	$49.0K
Q3 25	$1M	$40.0K
Q4 25	$1M	—
Q1 26	—	$43.0K
Q2 26	$1M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q3 22	$12M	$29.0K	$12M
Q4 22	$11M	$10M	$21M
Q1 23	$8M	$14M	$22M
Q2 23	$7M	$14M	$21M
Q3 23	$7M	$13M	$20M
Q4 23	$8M	$12M	$20M
Q1 24	$12M	$11M	$23M
Q2 24	$14M	$11M	$25M
Q3 24	$15M	$10M	$25M
Q4 24	$18M	$10M	$27M
Q1 25	$17M	$9M	$26M
Q2 25	$14M	$9M	$23M
Q3 25	$11M	$8M	$19M
Q4 25	$0	$0	$0
Q1 26	$2M	$12M	$14M
Q2 26	$2M	$11M	$14M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q3 22	8M	-0.0%	+0.0%
Q4 22	8M	-0.2%	-0.1%
Q1 23	8M	-0.6%	-0.8%
Q2 23	8M	-0.0%	-0.8%
Q3 23	8M	-0.3%	-1.1%
Q4 23	8M	-0.5%	-1.4%
Q1 24	8M	+0.1%	-0.7%
Q2 24	8M	0.0%	-0.6%
Q3 24	8M	0.0%	-0.4%
Q4 24	8M	0.0%	+0.1%
Q1 25	8M	-0.1%	-0.1%
Q2 25	8M	+0.1%	0.0%
Q3 25	8M	0.0%	0.0%
Q4 25	8M	0.0%	0.0%
Q1 26	8M	-0.1%	0.0%
Q2 26	8M	+0.1%	0.0%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q3 22	$45.0K	59
Q4 22	$43.4K	62
Q1 23	$48.1K	62
Q2 23	$51.6K	62
Q3 23	$52.9K	62
Q4 23	$60.0K	60
Q1 24	$63.5K	60
Q2 24	$66.2K	60
Q3 24	$70.8K	60
Q4 24	$80.3K	56
Q1 25	$84.9K	56
Q2 25	$88.5K	56
Q3 25	$88.0K	56
Q4 25	$94.0K	54
Q1 26	$96.4K	54
Q2 26	$99.1K	54

Revenue / Employee