Kentucky First Federal Bancorp Common Stock (KFFB)

FairStock Score: 44/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett/Graham-style investor, I start with the business: Kentucky First Federal Bancorp is a tiny Kentucky thrift, taking deposits and making residential and consumer loans. That can be a decent local franchise, but with 57 employees and a $46.7M market cap, it has little scale and no obvious durable moat. The filed earnings show why: FY2023 net income was $933,000, FY2024 was a loss of $1.7M, and FY2025 net income was only $181,000 (fiscal years ended 2023-06-30, 2024-06-30, and 2025-06-30). More recently, fiscal Q1 2026 (ended 2025-09-30) net income was $344,000, fiscal Q2 2026 (ended 2025-12-31) was $304,000, and fiscal Q3 2026 (ended 2026-03-31) was $581,000, or $0.07 diluted EPS. That is a genuine turnaround, and the Lynch category is TURNAROUND — returned to profit after a loss within the last three years. But the profits are still small and uneven. At the 2026-10-13 close of $5.77, FairStock's P/B is 0.93, so the price is slightly below book value; the P/E is 24.04 on $0.24 EPS, and ROE is only 3.87%. A 3.48% dividend yield and 0.14 beta are attractive, but a bank must be judged on capital and credit. I lack CET1, net interest margin, loan-loss reserve, and charge-off data, and combined ratio is insurance-specific and absent. Piotroski 7/9 hints at improvement, but I would need those bank-specific numbers before calling this anything more than a low-return, speculative turnaround.

In plain English: Kentucky First Federal Bancorp is a small Kentucky bank that takes in deposits and makes home and consumer loans. It recently returned to small profits after a loss, but the business is not very profitable and earnings have been uneven. The stock trades a little below the accounting value of its net assets, but the price looks full relative to its tiny earnings.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q3 2025 10-Q (period ended 2025-03-31) · FY2025 10-K (period ended 2025-06-30) · FY2024 10-K (period ended 2024-06-30) · FY2023 10-K (period ended 2023-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer