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Kentucky First Federal Bancorp

KFFB

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Kentucky First Federal Bancorp ( Kentucky First Federal or the Company ) was incorporated as a mid-tier holding company under the laws of the United States on March 2, 2005 upon the completion of the reorganization of First Federal Savings and Loan Association of Hazard ( First Federal of Hazard ) into a federal mutual holding company form of organization (the Reorganization ). On that date, Ke…

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$43M
EPS$0.17
P/E31.41
Div. Yield1.55%
Net Margin–
P/Book0.9x
Kentucky First Federal Bancorp intrinsic value
52-Week Range
$3.77$6.34

Profitability & Returns

Revenue

N/A

Net Income (TTM)

$1M

▲ +110.5% YoY

Net Margin

–

P/E

31.41

Balance Sheet

Total Assets

$375M

Equity

$50M

Total Debt

$0.00

Cash & Equiv.

$21M

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Peers

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Kentucky First Federal Bancorp (KFFB) in four numbers

Fair value (book value)
$2.67
Price $5.34 is 100% above it.
Intrinsic Value
Quality score
58/100
Best check: margin trend, +20719.3pp. Weakest: book value growth, -12.6%.
Quality
Dividend (FY2024)
$0.08
1.55% yield, not raised in the latest year.
Dividends
P/E
31.41
Price to free cash flow 46.48.
Financials

Questions about Kentucky First Federal Bancorp

Is Kentucky First Federal Bancorp (KFFB) overvalued?

At $5.34, Kentucky First Federal Bancorp's price is 100% above the $2.67 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 31.41 times earnings and 46.48 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

What is Kentucky First Federal Bancorp's fair value?

Intrinsiqq's calculator puts Kentucky First Federal Bancorp's fair value at $2.67 a share. It grows book value per share 0% a year for 5 years, applies an exit P/B of 0.7, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $2.00. Every input can be changed on the Intrinsic Value tab.

Is Kentucky First Federal Bancorp a high-quality business?

Kentucky First Federal Bancorp scores 58 out of 100 on Intrinsiqq's quality score, which makes it a mixed business on these measures. The score blends 7 checks computed from SEC filings. Its best check is margin trend at +20719.3pp, and its weakest is book value growth at -12.6%. The Quality tab shows every check against its target.

Does Kentucky First Federal Bancorp (KFFB) pay a dividend, and how much?

Yes. Kentucky First Federal Bancorp (KFFB) pays a dividend: $0.08 per share for fiscal 2024, a dividend yield of 1.55% at the latest close. Its dividend per share has shrunk at 13.6% a year over the last 5 years. The Dividends tab has the full payment history and the safety score.

Source: 10-Q filed 15 May 2026 (period ending 31 Mar 2026), SEC. Price: last close 30 Oct 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.

Spot a number that looks wrong? Check it in KFFB's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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