Kentucky First Federal Bancorp (KFFB) is a Financials stock trading at $5.45 (as of 2026-09-01), with a market capitalization of $44.07M and a trailing P/E of 35.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
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.
Kentucky First Federal Bancorp holds two small Kentucky community banks (Hazard and Frankfort) that earn income by collecting deposits and lending residential mortgages, construction loans, and small commercial real estate. The model is a spread business, with profits hinging on the gap between deposit costs and loan yields in a rural market.
Profit equals the net interest spread on a small, locally concentrated loan book, so any uptick in delinquencies or a squeeze on deposit rates erodes the entire earnings base with no scale to absorb the hit.
Business quality (Unprofitable): The bank is graded unprofitable, meaning the 15% operating margin is being consumed by credit or provision charges before reaching shareholders. A 15% operating line that still lands at zero or below for equity holders signals the cost of risk in this loan book is high relative to the spread earned.
| Price | $5.45 |
| Market Cap | $44.07M |
| P/E Ratio | 35.7 |
| EV / EBITDA | 12.5 |
| Price / Book | 0.89 |
| Price / Sales | 2.32 |
| FCF Yield | -0.5% |
| Revenue (TTM) | $17.74M |
| Net Margin | 1.0% |
| Revenue Growth (YoY) | 11.2% |
| FCF Growth (YoY) | -474.1% |
| Stock P/E | 35.7 |
| Sector P/E (Financials) | 14.9 |
| Industry P/E (Banking) | 12.7 |
| vs Sector | 139.0% |
| vs Industry | 180.9% |
| Top Institutional Holder | TI-TRUST, INC ($365461.00) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | R. Clay Hulette |
| Employees | 56 |
| Country | US |
| IPO Date | 2005-03-03 |
Data as of 2026-09-01.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.