Financial Services - Banks - Regional - NASDAQ - US
$ 2.56
-5.19 %
$ 20.7 M
Market Cap
-12.19
P/E
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 deposit products include passbook savings and certificate accounts, checking accounts, and individual retirement accounts. Its loan portfolio comprises one-to four-family residential mortgage loans; construction loans; mortgage loans secured by multi-family property; nonresidential loans that are secured by commercial office buildings, churches, and properties used for other purposes; commercial non-mortgage loans; and consumer loans, such as home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured or personal loans.[ Read More ]
The intrinsic value of one KFFB stock under the base case scenario is HIDDEN Compared to the current market price of 2.56 USD, Kentucky First Federal Bancorp is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart KFFB
FINANCIALS
7.22 M
REVENUE
0
OPERATING INCOME
-1.72 M
NET INCOME
-1.45 M
OPERATING CASH FLOW
-16.6 M
INVESTING CASH FLOW
28.2 M
FINANCING CASH FLOW
4.62 M
REVENUE
4.58 M
OPERATING INCOME
-15 K
NET INCOME
-1.41 M
OPERATING CASH FLOW
213 K
INVESTING CASH FLOW
176 K
FINANCING CASH FLOW
Balance Sheet Decomposition
Kentucky First Federal Bancorp
| Current Assets | 18.3 M |
| Cash & Short-Term Investments | 18.3 M |
| Receivables | 0 |
| Other Current Assets | 0 |
| Non-Current Assets | 357 M |
| Long-Term Investments | 9.86 M |
| PP&E | 4.27 M |
| Other Non-Current Assets | 343 M |
| Current Liabilities | 158 M |
| Accounts Payable | 176 K |
| Short-Term Debt | 0 |
| Other Current Liabilities | 158 M |
| Non-Current Liabilities | 327 M |
| Long-Term Debt | 69 M |
| Other Non-Current Liabilities | 258 M |
EFFICIENCY
Earnings Waterfall
Kentucky First Federal Bancorp
| Revenue | 7.22 M |
| Cost Of Revenue | 24 K |
| Gross Profit | 7.2 M |
| Operating Expenses | 2.46 M |
| Operating Income | 0 |
| Other Expenses | 1.72 M |
| Net Income | -1.72 M |
RATIOS
99.67%
GROSS MARGIN
0.00%
OPERATING MARGIN
-23.83%
NET MARGIN
-3.59%
ROE
-0.46%
ROA
0.00%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Kentucky First Federal Bancorp
| Net Income | -1.72 M |
| Depreciation & Amortization | 234 K |
| Capital Expenditures | -66 K |
| Stock-Based Compensation | 0 |
| Change in Working Capital | -319 K |
| Others | 166 K |
| Free Cash Flow | -1.52 M |
Wall Street Analysts Price Targets
Kentucky First Federal Bancorp
KFFB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00%
DIVIDEND YIELD
0.1 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Kentucky First Federal Bancorp
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
1 year ago
Jan 23, 2023
|
Bought 106 USD
|
Ecton Walter G Jr
Director |
+ 16
|
6.65 USD |
|
1 year ago
Jan 19, 2023
|
Bought 2.38 K USD
|
Ecton Walter G Jr
Director |
+ 358
|
6.65 USD |
|
2 years ago
Jun 15, 2022
|
Sell 11.2 K USD
|
Hulette Teresa K
EVP --First Fed. of Kentucky |
- 1500
|
7.5 USD |
|
2 years ago
Jun 15, 2022
|
Sell 11.2 K USD
|
HULETTE R CLAY
V.P., CFO & Treasurer |
- 1500
|
7.5 USD |
|
2 years ago
Jun 15, 2022
|
Sell 11.2 K USD
|
HULETTE R CLAY
V.P., CFO & Treasurer |
- 1500
|
7.5 USD |
|
4 years ago
Mar 31, 2020
|
Bought 9.06 K USD
|
Hulette Teresa K
EVP --First Fed. of Kentucky |
+ 1500
|
6.0386 USD |
|
4 years ago
Mar 31, 2020
|
Bought 9.06 K USD
|
Hulette Teresa K
EVP --First Fed. of Kentucky |
+ 1500
|
6.0386 USD |
|
4 years ago
Mar 31, 2020
|
Bought 9.06 K USD
|
HULETTE R CLAY
V.P., CFO & Treasurer |
+ 1500
|
6.0386 USD |
|
4 years ago
Mar 31, 2020
|
Bought 9.06 K USD
|
HULETTE R CLAY
V.P., CFO & Treasurer |
+ 1500
|
6.0386 USD |
|
4 years ago
Nov 22, 2019
|
Bought 7.71 K USD
|
DAVENPORT C MICHAEL
Director |
+ 1000
|
7.71 USD |
|
5 years ago
Sep 19, 2019
|
Bought 46.4 K USD
|
JENNINGS DON D
President & CEO |
+ 6000
|
7.74 USD |
|
5 years ago
Sep 09, 2019
|
Bought 4.88 K USD
|
Whitaker Tony D
Director |
+ 650
|
7.5 USD |
|
5 years ago
Sep 09, 2019
|
Bought 4.89 K USD
|
Whitaker Tony D
Director |
+ 650
|
7.5155 USD |
|
5 years ago
Sep 09, 2019
|
Bought 1.87 K USD
|
Whitaker Tony D
Director |
+ 250
|
7.4623 USD |
|
6 years ago
May 14, 2018
|
Sell 21.5 K USD
|
Farler Lou Ella
President & CEO--First Federal |
- 2500
|
8.61 USD |
|
7 years ago
Jun 02, 2017
|
Bought 77 K USD
|
JENNINGS DON D
President & COO |
+ 8000
|
9.62 USD |
|
8 years ago
Mar 31, 2016
|
Sell 8.78 K USD
|
HULETTE R CLAY
Vice President and CFO |
- 1000
|
8.78 USD |
|
10 years ago
Mar 03, 2014
|
Sell 29.3 K USD
|
JOHNSON WILLIAM H
Vice President |
- 3500
|
8.37 USD |
|
12 years ago
Dec 02, 2011
|
Bought 41.6 K USD
|
JENNINGS DON D
President and COO |
+ 4500
|
9.25 USD |
|
14 years ago
May 07, 2010
|
Bought 9.07 K USD
|
HULETTE R CLAY
Vice President and CFO |
+ 1000
|
9.07 USD |
|
14 years ago
Mar 02, 2010
|
Sell 36.8 K USD
|
HULETTE R CLAY
VP and Chief Financial Officer |
- 3000
|
12.26 USD |
|
16 years ago
Sep 22, 2008
|
Bought 23 K USD
|
Ecton Walter G Jr
Director |
+ 2375
|
9.7 USD |
|
16 years ago
Sep 23, 2008
|
Bought 5.82 K USD
|
Ecton Walter G Jr
Director |
+ 600
|
9.7 USD |
|
17 years ago
Sep 05, 2007
|
Bought 65.9 K USD
|
Gorman William D
Director |
+ 6600
|
9.99 USD |
|
17 years ago
Jun 22, 2007
|
Bought 29.3 K USD
|
JENNINGS DON D
President and Chief Operating |
+ 2900
|
10.1 USD |
|
19 years ago
Nov 03, 2005
|
Bought 18.6 K USD
|
Ecton Walter G Jr
Director |
+ 1858
|
10.01 USD |
|
19 years ago
Oct 26, 2005
|
Bought 1.5 K USD
|
HULETTE R CLAY
V.P., CFO & Treasurer |
+ 150
|
10 USD |
|
19 years ago
Oct 26, 2005
|
Bought 8.5 K USD
|
HULETTE R CLAY
V.P., CFO & Treasurer |
+ 850
|
10 USD |
|
19 years ago
Aug 31, 2005
|
Bought 95.8 K USD
|
JENNINGS DON D
President and Chief Operating |
+ 9000
|
10.65 USD |
|
19 years ago
May 23, 2005
|
Bought 10.1 K USD
|
HULETTE R CLAY
V.P., CFO & Treasurer |
+ 900
|
11.24 USD |
|
19 years ago
May 23, 2005
|
Bought 3.39 K USD
|
HULETTE R CLAY
V.P., CFO & Treasurer |
+ 300
|
11.3 USD |
|
19 years ago
May 12, 2005
|
Bought 33.8 K USD
|
GARLAND DANNY A
|
+ 3000
|
11.25 USD |
|
19 years ago
May 11, 2005
|
Bought 15.4 K USD
|
GARLAND DANNY A
|
+ 1366
|
11.25 USD |
|
19 years ago
Mar 16, 2005
|
Bought 34.4 K USD
|
Ecton Walter G Jr
Director |
+ 3200
|
10.75 USD |
|
19 years ago
Mar 02, 2005
|
Bought 121 K USD
|
Pulliam Roy L Jr
Vice President & Secretary |
+ 12100
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 0 USD
|
Pulliam Roy L Jr
Vice President & Secretary |
+ 11100
|
0 USD |
|
19 years ago
Mar 02, 2005
|
Bought 39 K USD
|
Pulliam Roy L Jr
Vice President & Secretary |
+ 3900
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 29 K USD
|
Pulliam Roy L Jr
Vice President & Secretary |
+ 2900
|
10 USD |
|
19 years ago
Mar 03, 2005
|
Bought 51.2 K USD
|
Ecton Walter G Jr
Director |
+ 4875
|
10.5 USD |
|
19 years ago
Mar 02, 2005
|
Bought 138 K USD
|
Whitaker Tony D
CEO & Chairman of the Board |
+ 13800
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 92 K USD
|
Whitaker Tony D
CEO & Chairman of the Board |
+ 9200
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 58 K USD
|
Whitaker Tony D
CEO & Chairman of the Board |
+ 5800
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 12 K USD
|
Whitaker Tony D
CEO & Chairman of the Board |
+ 1200
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 138 K USD
|
Whitaker Tony D
CEO & Chairman of the Board |
+ 13800
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 92 K USD
|
Whitaker Tony D
CEO & Chairman of the Board |
+ 9200
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 80 K USD
|
Whitaker Tony D
CEO & Chairman of the Board |
+ 8000
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 58 K USD
|
Whitaker Tony D
CEO & Chairman of the Board |
+ 5800
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 4.55 K USD
|
HARROD DAVID R
Director |
+ 455
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 150 K USD
|
Gorman William D
Director |
+ 15000
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 30 K USD
|
Gorman William D
Director |
+ 3000
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 10 K USD
|
Gorman William D
Director |
+ 1000
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 203 K USD
|
Barker Stephen G
Director |
+ 20331
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 7.05 K USD
|
Ecton Walter G Jr
Director |
+ 705
|
10 USD |
|
19 years ago
Mar 02, 2005
|
Bought 1.25 K USD
|
Ecton Walter G Jr
Director |
+ 125
|
10 USD |
7. News
Kentucky First Federal Bancorp Releases Earnings
HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Nov. 12, 2024 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company (the “Company”) for First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, Frankfort, Kentucky, announced a net loss of $15,000 or $0.00 diluted earnings per share for the three months ended September 30, 2024, compared to a net loss of $175,000 or $(0.02) diluted earnings per share for the three months ended September 30, 2023, an increase of $160,000 or 91.4%.
globenewswire.com
- 4 days ago
Kentucky First Federal Bancorp (KFFB) Stock Rises 5.11% Amid Industry Activity
Kentucky First Federal Bancorp (KFFB, Financial) saw its stock surge by 5.11%, recently trading at $2.88 per share with a volume of 18,532 shares and a turnover rate of 0.23%. The stock's fluctuation rate was noted at 3.56%.
gurufocus.com
- 1 month ago
Kentucky First Federal Bancorp Announces Fiscal Year Results
HAZARD, Ky. and FRANKFORT, Ky.
globenewswire.com
- 1 month ago
Kentucky First Federal Bancorp Announces Appointment of Director, Selection of Chairman
HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Sept. 04, 2024 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company for First Federal Savings Bank of Kentucky and First Federal Savings and Loan of Hazard, has announced that R. Clay Hulette has been selected to the company's board of directors. He will serve until the company's annual meeting, to be held on November 14, 2024, at which time he will run for a two-year term to complete the unexpired term of the retried Tony Whitaker.
globenewswire.com
- 2 months ago
Kentucky First Federal Bancorp Announces Retirement of Tony D. Whitaker, Chairman of the Board
HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Aug. 05, 2024 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB) the holding company for First Federal Savings and Loan Association of Hazard, Kentucky and First Federal Savings Bank of Kentucky, Frankfort, Kentucky, announced today that Tony D. Whitaker, Chairman of the Board of Kentucky First Federal Bancorp (the “Company”) is retiring from his position as Company Chairman, as well as Chairman of the Board of the Company's subsidiary, First Federal Savings Bank of Kentucky. Mr. Whitaker's retirement is effective August 1, 2024.
globenewswire.com
- 3 months ago
Kentucky First Federal Bancorp Releases Earnings
HAZARD, Ky. and FRANKFORT, Ky.
globenewswire.com
- 6 months ago
Kentucky First Federal Bancorp Releases Earnings
HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Feb. 12, 2024 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company (the “Company”) for First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, Frankfort, Kentucky, announced a net loss of $361,000 or ($0.05) diluted earnings per share for the three months ended December 31, 2023, compared to net earnings of $374,000 or $0.04 diluted earnings per share for the three months ended December 31, 2022, a decrease of $735,000 or 196.5%. A net loss of $536,000 or ($0.07) diluted earnings per share was announced for the six months ended December 31, 2023 compared to net earnings of $747,000 or $0.09 diluted earnings per share for the six months ended December 31, 2022, a decrease of $1.3 million or 171.8%
globenewswire.com
- 9 months ago
Kentucky First Federal Bancorp Announces Suspension of Quarterly Cash Dividend
HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Jan. 16, 2024 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB) (the “Company”), the holding company for First Federal Savings and Loan Association of Hazard, Kentucky and First Federal Savings Bank of Kentucky, Frankfort, Kentucky (collectively the “Banks”), announced today that the Company's Board of Directors has voted to suspend the payment of the quarterly cash dividend on the Company's common stock indefinitely. Emphasizing that the Banks are both well-capitalized under all applicable regulatory requirements and that asset quality remains good, Don Jennings, President and Chief Executive Office of the Company stated, “While the suspension of our quarterly dividend is very disappointing, as previously disclosed, we have experienced historical increases in short-term market interest rates as well as a persistent inversion of the yield curve that has resulted in compressed net interest margins and much lower earnings at the bank level. As designed, our loans are repricing in response to the higher rate environment, but due to contractual terms of those loans, increases are restricted as to time and amount, resulting in a slower pace of increase than that of liabilities. Currently, lower earnings limit the Banks' ability to stream sufficient funds to the Company to fund operations and dividends while still maintaining adequate liquidity at the Banks to fund operations and loan growth. While the Board continues to believe in a strong Company dividend policy, all of these factors, coupled with regulators' enhanced scrutiny on liquidity and bank dividend payout ratios to their holding companies relative to bank earnings, necessitate this change. While, future dividend payments will be dependent upon the Banks' ability to generate positive retained earnings and enhanced liquidity, the Board intends to re-evaluate the payment of a quarterly dividend in the future as soon as possible.”
globenewswire.com
- 10 months ago
Kentucky First Federal Bancorp Releases Earnings
HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Nov. 10, 2023 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company (the “Company”) for First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, Frankfort, Kentucky, announced a net loss of $175,000 or ($0.02) diluted earnings per share for the three months ended September 30, 2023, compared to net earnings of $373,000 or $0.05 diluted earnings per share for the three months ended September 30, 2022, a decrease of $548,000 or 146.9%.
globenewswire.com
- 1 year ago
Kentucky First Federal Bancorp Announces Quarterly Cash Dividend and Expected Future Dividend Reduction
HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Oct. 13, 2023 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB) (the “Company”), the holding company for First Federal Savings and Loan Association of Hazard, Kentucky and First Federal Savings Bank of Kentucky, Frankfort, Kentucky (collectively the “Banks”), announced today that the Company will pay a cash dividend in the amount of ten cents per share to shareholders of record on October 31, 2023 and payable on November 20, 2023.
globenewswire.com
- 1 year ago
Kentucky First Federal Bancorp Releases Earnings
HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Sept. 06, 2023 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB), (the “Company”) the holding company for First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky (the two banks being collectively referred to as the “Banks”), announced net income of $933,000 or $0.11 basic and diluted earnings per share for the year ended June 30, 2023, compared to net income of $1.6 million or $0.19 per common share for the twelve months ended June 30, 2022. Net earnings for the quarter ended June 30, 2023 totaled $42,000 or $0.00 basic and diluted earnings per share compared to net earnings of $206,000 or $0.02 per common share for the quarter ended June 30, 2022.
globenewswire.com
- 1 year ago
Kentucky First Federal Bancorp Announces Retirement of Vice President and Chief Financial Officer
HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Sept. 01, 2023 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB) the holding company for First Federal Savings and Loan Association of Hazard, Kentucky and First Federal Savings Bank of Kentucky, Frankfort, Kentucky, announced that R. Clay Hulette has notified Kentucky First Federal Bancorp (the “Company”) that effective January 2, 2024, he is retiring from his position as Vice President and Chief Financial Officer of the Company and his position as Frankfort Area President of its subsidiary First Federal Savings Bank of Kentucky. Mr. Hulette's retirement is not the result of any dispute or disagreement with the Company. Following his retirement, Mr. Hulette will remain a member of the board of directors of First Federal Savings Bank of Kentucky.
globenewswire.com
- 1 year ago
8. Profile Summary
Kentucky First Federal Bancorp KFFB
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 20.7 M
Dividend Yield
0.00%
Description
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 deposit products include passbook savings and certificate accounts, checking accounts, and individual retirement accounts. Its loan portfolio comprises one-to four-family residential mortgage loans; construction loans; mortgage loans secured by multi-family property; nonresidential loans that are secured by commercial office buildings, churches, and properties used for other purposes; commercial non-mortgage loans; and consumer loans, such as home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured or personal loans. The company also invests in mortgage-backed securities. It operates through seven banking offices. The company was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp is a subsidiary of First Federal MHC.
Contact
655 Main Street, Hazard, KY, 41702
https://ffsbky.bank
IPO Date
March 3, 2005
Employees
56
Officers
Mr. Don D. Jennings
President, Chief Executive Officer, Chief Operating Officer & Director
Ms. Jaime Steele Coffey
Secretary
Mr. Tyler Wayne Eades
Chief Financial Officer & Vice President