Get started

Financials · KFFB

Kentucky First Federal Bancorp (KFFB) financials

For the twelve months ended Mar 31, 2026, Kentucky First Federal Bancorp reported $10.91M of revenue and $1.41M of net income.

Revenue, TTM
$10.91M
Revenue growth, YoY
+30.2%
Net income, TTM
$1.41M
Net margin
12.9%
Free cash flow, TTM
$929.0K
EPS, diluted, TTM
$0.17
Cash
$21.30M
P/E
34.13
P/S
4.40
Market cap
$48.0M
Annual revenue$8.84M
FY2016FY2025
Annual net income$181.0K
FY2016FY2025
Annual free cash flow-$235.0K
FY2016FY2025

KFFB revenue and earnings growth

KFFB revenueQ3 2026$3.01M

Quarter YoY
+35.9%
QoQ
+6.1%
FY YoY
+22.0%
5Y CAGR
-7.2%
10Y CAGR
-2.6%

KFFB revenue was $3.01M in fiscal Q3 2026 (ended Mar 31, 2026), up 35.9% from a year earlier and up 6.1% from the prior quarter. For the full fiscal 2025 it was $8.84M, up 22.0% from fiscal 2024. Compound annual growth was -7.2% over 5 years and -2.6% over 10 years. It rose in 3 of the last 10 fiscal years.

KFFB net incomeQ3 2026$581.0K

Quarter YoY
83x
QoQ
+91.1%
10Y CAGR
-21.6%

KFFB net income was $581.0K in fiscal Q3 2026 (ended Mar 31, 2026), up about 83-fold from a year earlier and up 91.1% from the prior quarter. For the full fiscal 2025 it was $181.0K, compared with -$1.72M in fiscal 2024. Compound annual growth was -21.6% over 10 years.

KFFB EPSQ3 2026$0.07

QoQ
+75.0%
10Y CAGR
-22.3%

KFFB diluted EPS was $0.07 in fiscal Q3 2026 (ended Mar 31, 2026), compared with $0.00 a year earlier and up 75.0% from the prior quarter. For the full fiscal 2025 it was $0.02, compared with -$0.21 in fiscal 2024. Compound annual growth was -22.3% over 10 years.

KFFB free cash flowQ3 2026$823.0K

KFFB free cash flow was $823.0K in fiscal Q3 2026 (ended Mar 31, 2026), compared with -$220.0K a year earlier. For the full fiscal 2025 it was -$235.0K, compared with -$1.52M in fiscal 2024.

Export CSV

Income statement

Income statement
Line item
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
FY2016
Jun 30, 2016
Revenue$8.84M$7.25M$9.16M$10.91M$12.15M$12.82M$9.69M$10.42M$10.22M$10.66M
Interest expense--$3.90M$1.75M$2.14M$3.50M$3.25M$2.16M$1.46M$1.36M
Pre-tax income$238.0K-$1.96M$1.23M$2.07M$2.17M-$12.28M$953.0K$1.29M$1.45M$2.10M
Income tax$57.0K-$239.0K$294.0K$477.0K$352.0K$264.0K$141.0K-$37.0K$513.0K$596.0K
Net income$181.0K-$1.72M$933.0K$1.59M$1.82M-$12.55M$812.0K$1.32M$935.0K$1.50M
EPS, basic$0.02-$0.21$0.11$0.19$0.22-$1.52$0.10$0.16$0.11$0.18
EPS, diluted$0.02-$0.21$0.11$0.19$0.22-$1.52$0.10$0.16$0.11$0.18
Diluted shares8.1M8.1M8.1M8.2M8.2M8.3M8.3M8.4M8.3M8.3M

Balance sheet

Balance sheet
Line item
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
FY2016
Jun 30, 2016
Cash and equivalents$19.48M$18.29M$8.17M$25.82M$21.65M$13.70M$9.86M$9.94M$12.80M$13.11M
Goodwill--$947.0K$947.0K$947.0K$947.0K$14.51M$14.51M$14.51M$14.51M
Total assets$371.21M$374.97M$349.02M$328.08M$338.06M$321.14M$330.77M$318.39M$308.49M$291.87M
Total liabilities$322.84M$326.97M$298.31M$276.06M$285.77M$269.23M$264.49M$251.19M$241.34M$224.36M
Shareholders' equity$48.37M$48.00M$50.71M$52.02M$52.30M$51.91M$66.28M$67.20M$67.15M$67.52M

Cash flow

Cash flow
Line item
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
FY2016
Jun 30, 2016
Operating cash flow-$86.0K-$1.45M$1.15M$2.64M$1.58M$1.04M$1.00M$1.15M$2.10M$1.45M
Capital expenditures$149.0K$66.0K$127.0K$151.0K$101.0K$165.0K$148.0K$151.0K$124.0K$1.11M
Free cash flow-$235.0K-$1.52M$1.02M$2.49M$1.48M$877.0K$854.0K$998.0K$1.97M$338.0K
Investing cash flow$6.12M-$16.60M-$39.48M$13.33M-$8.85M$243.0K-$12.58M-$12.58M-$17.87M$3.93M
Financing cash flow-$4.84M$28.18M$20.68M-$11.80M$15.21M$2.56M$11.49M$8.57M$15.47M-$5.91M
Dividends paid-$670.0K$1.36M$1.39M$1.39M$1.39M$1.44M$1.45M$1.49M$1.48M
Share repurchases--$461.0K------$0

Key ratios

Key ratios
Line item
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
FY2016
Jun 30, 2016
Revenue growth, YoY22.0%-20.9%-16.1%-10.2%-5.2%32.3%-7.0%1.9%-4.1%-7.1%
Net income growth, YoY---41.3%-12.6%---38.6%41.5%-37.7%-27.5%
EPS growth, YoY---42.1%-13.6%---37.5%45.5%-38.9%-28.0%
Net margin2.0%-23.8%10.2%14.6%15.0%-97.8%8.4%12.7%9.1%14.1%
Free cash flow margin-2.7%-21.0%11.2%22.8%12.2%6.8%8.8%9.6%19.3%3.2%
Return on equity0.4%-3.6%1.8%3.1%3.5%-24.2%1.2%2.0%1.4%2.2%
Return on assets0.0%-0.5%0.3%0.5%0.5%-3.9%0.2%0.4%0.3%0.5%

Source: XBRL data Kentucky First Federal Bancorp files with the SEC, latest filing dated May 15, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

KFFB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
KFFB$10.91M+30.2%$1.41M12.9%$48.0M
HSBC$68.27B+3.7%$23.13B33.9%$298.91B
AX$1.55B+23.0%$507.67M32.7%$5.26B
EBC$1.19B+61.8%$381.02M32.1%$5.22B
TFSL$343.73M+10.5%$102.06M29.7%$4.61B
PFS$924.11M+8.6%$310.15M33.6%$3.16B
BKU$1.13B+5.4%$273.97M24.3%$3.14B
CFFN$229.25M+19.4%$82.83M36.1%$1.06B

KFFB FAQ

8 questions
  • What is KFFB revenue?
    Kentucky First Federal Bancorp (KFFB) reported $10.91M of revenue for the twelve months ended Mar 31, 2026. That is up 30.2% from the year before. Revenue for fiscal 2025 was $8.84M.
  • Is KFFB profitable?
    Yes. Kentucky First Federal Bancorp earned $1.41M in net income for the twelve months ended Mar 31, 2026, a net margin of 12.9%.
  • How much cash and debt does KFFB have?
    Kentucky First Federal Bancorp reported $21.30M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is KFFB revenue growing?
    Kentucky First Federal Bancorp's revenue changed +22.0% in fiscal 2025, to $8.84M. Its compound annual growth rate was -7.2% over 5 years and -2.6% over 10 years.
  • What is KFFB free cash flow?
    Kentucky First Federal Bancorp generated $929.0K of free cash flow for the twelve months ended Mar 31, 2026, which is operating cash flow of $1.06M less capital expenditures.
  • What is KFFB earnings per share?
    Diluted earnings per share were $0.17 for the twelve months ended Mar 31, 2026, from SEC filings, restated for any stock split those filings show.
  • When did KFFB last report financial results?
    The latest statements here come from Kentucky First Federal Bancorp's 10-Q filed on May 15, 2026, covering the period ended Mar 31, 2026.
  • Where does this KFFB financial data come from?
    Quantisnow builds these statements from the structured XBRL data Kentucky First Federal Bancorp files with the SEC. It is provided for information only and is not investment advice.