KFFB

BEARISH

$4.41 Live

Kentucky First Federal Bancorp · NASDAQ

$1.96 52W Range $4.98

KFFB Kentucky First Federal Bancorp - Fundamental Analysis

BEARISH

Console Chart News

KFFB Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$4.41

52W High

$4.98

52W Low

$1.96

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 13, 2026

Market cap

$35.66M

P/E

44.1

ROE

1.7%

Profit margin

8.2%

Debt/Equity

N/A

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

85%

KFFB exhibits significant financial fragility, highlighted by a weak Piotroski F-Score of 3/9 and a technical trend score of 10/100. The stock is currently trading at a premium to both its Graham Number ($3.70) and Intrinsic Value ($2.95), suggesting it is overvalued despite a low Price-to-Book ratio. While nominal earnings growth appears explosive, the abysmal ROE of 1.71% and ROA of 0.22% indicate severe operational inefficiency. The combination of poor fundamental health and bearish market sentiment makes this a high-risk asset.

Key Strengths

Strong year-over-year revenue growth of 27.80%

Price-to-Book ratio of 0.73 suggests assets are undervalued relative to market cap

Recent 1-year price recovery of 56.4%

Positive quarterly earnings progression in the most recent period

Operating margin remains positive at 17.67%

Key Risks

Weak Piotroski F-Score (3/9) indicating deteriorating financial health

Extremely low ROE (1.71%) and ROA (0.22%) for a regional bank

Trading significantly above intrinsic value ($2.95) and Graham number ($3.70)

Very bearish technical trend (10/100) and weak insider sentiment (40/100)

Micro-cap status ($40M) leads to high volatility and liquidity risk

AI Fair Value Estimate

Based on comprehensive analysis

$3.33

-24.5% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

Avoid

Key drivers: Poor Piotroski health score, Overvaluation relative to Graham/Intrinsic benchmarks, Inefficient capital utilization (Low ROE), Bearish technicals

Confidence

90%

Value

35/100

Ref P/E 44.10, Graham Number $3.7, Intrinsic Value $2.95

Positives

P/B ratio below 1.0

Watchpoints

Price exceeds Graham Number
Price exceeds Intrinsic Value
High P/E ratio of 44.10

Future

45/100

Ref Revenue Growth 27.80%, Earnings Growth 2238.70%

Positives

High YoY Revenue growth
Strong Q/Q earnings growth

Watchpoints

Growth is likely a recovery from a very low base
Low ROE suggests growth isn't translating to shareholder value

Past

30/100

Ref 5Y Change -24.4%, 3Y Change -27.8%

Positives

1-year positive return

Watchpoints

Negative 3-year and 5-year returns
Inconsistent earnings beat record (1/3)

Health

20/100

Ref Piotroski F-Score 3/9

Positives

Positive profit margins

Watchpoints

Piotroski F-Score of 3/9 (Weak)
Extremely low ROA

Dividend

0/100

Ref Dividend Yield N/A, Payout 0.00%

Positives

No standout positives identified.

Watchpoints

No dividend yield
0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$4.41

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for KFFB and closest competitors.

Updated 2026-04-10

Company	5Y	3Y	1Y	6M	1M	1W
KFFB Kentucky First Federal Bancorp Primary	-24.4%	-27.8%	+56.4%	+19.5%	-9.1%	+2.6%
BNKK Bonk, Inc. Peer	-96.9%	-72.4%	-65.3%	-76.8%	+83.6%	+72.7%
GRAN Grande Group Limited Peer	-72.4%	-72.4%	-72.4%	-57.7%	-24.4%	+13.4%
HERZ Herzfeld Credit Income Fund, Inc. Peer	-1.1%	+15.1%	+35.1%	+21.4%	-6.3%	+2.7%
GOCO GoHealth, Inc. Peer	-99.4%	-92.5%	-89.7%	-76.4%	-49.3%	-17.6%

KFF

Kentucky First Federal Bancorp

Primary

-24.4%

-27.8%

+56.4%

+19.5%

-9.1%

+2.6%

BNK

Bonk, Inc.

Peer

-96.9%

-72.4%

-65.3%

-76.8%

+83.6%

+72.7%

GRA

Grande Group Limited

Peer

-72.4%

-57.7%

-24.4%

+13.4%

HER

Herzfeld Credit Income Fund, Inc.

Peer

-1.1%

+15.1%

+35.1%

+21.4%

-6.3%

+2.7%

GOC

GoHealth, Inc.

Peer

-99.4%

-92.5%

-89.7%

-76.4%

-49.3%

-17.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

44.1

N/A

0.73

3.54

6.69

N/A

$35.66M

Profitability

Profit margins and return metrics

Profit Margin 8.24%

Operating Margin 17.67%

Gross Margin N/A

ROE 1.71%

ROA 0.22%

Growth

Revenue and earnings growth rates

Revenue Growth +27.8%

Earnings Growth +2238.7%

Q/Q Revenue Growth +41.21%

Q/Q Earnings Growth +2238.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$2.43

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

10.7%

Total Assets

$0.4B

Liabilities

$0.3B

Equity

$0.0B

Debt/Equity

6.64x

Operating CF

$-0.0B

CapEx

$-0.0B

Free Cash Flow

$-0.0B

FCF Yield

121%

Quarterly Earnings History

EPS performance vs analyst estimates

2011-05-16

$0.06

+39.5% surprise

2011-02-01

$0.04

-7.0% surprise

2010-11-02

$0.04

-4.8% surprise

Financial Services Sector Comparison

Comparing KFFB against 377 companies in the Financial Services sector (65 bullish, 163 neutral, 149 bearish)

P/E Ratio

44.1

This Stock

50.76

Sector Avg

-13.1% (Discount)

Return on Equity (ROE)

1.71%

This Stock

-0.32%

Sector Avg

-640.9% (Below Avg)

Profit Margin

8.24%

This Stock

64.46%

Sector Avg

-87.2% (Weaker)

Revenue Growth

27.8%

This Stock

44.75%

Sector Avg

-37.9% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
KFFB Kentucky First Federal Bancorp	BEARISH	$35.66M	44.1	1.7%	8.2%	$4.41
BNKK Bonk, Inc.	BEARISH	$32.68M	-	-93.7%	-%	$6.06	Compare
GRAN Grande Group Limited	BEARISH	$31.63M	-	-5.8%	-9.8%	$1.27	Compare
HERZ Herzfeld Credit Income Fund, Inc.	BEARISH	$31.41M	80.6	-3.2%	-80.7%	$16.12	Compare
GOCO GoHealth, Inc.	BEARISH	$30.29M	-	-219.7%	-71.1%	$1.05	Compare

KFFB Kentucky First...

BEARISH

Mkt Cap

$36M

P/E

44.1

ROE

1.7%

Price

$4.41

Compare with KFFB

GRAN Grande Group Limited

Compare with KFFB

Compare with KFFB

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Past News Coverage

Recent headlines mentioning KFFB from our newsroom.

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KFFB

KFFB Kentucky First Federal Bancorp - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Past News Coverage

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