NGM · Financial Statements

Kentucky First Federal Bancorp (KFFB) Financial Statements

$5.23 NGM: KFFB Market Cap $42.29M

Kentucky First Federal Bancorp most recently reported annual revenue of $21.0M, net profit of $2.0M. Revenue grew at an average annual rate of 10.1% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Kentucky First Federal Bancorp: Revenue rose from $12.0M in 2017 to $21.0M in 2026, a change of +75.0% over 9 years; net profit was positive in 7 of 10 reported years; operating margin moved from 12.4% to 11.7%, a shift of -0.7 percentage points; the most recent year shows net profit of $2.0M.

Income Statement — 10 Years (USD millions)

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Revenue	$12.0M	$13.0M	$13.0M	$13.0M	$13.0M	$11.0M	$13.0M	$17.0M	$20.0M	$21.0M
Operating Expenses	$10.0M	$11.0M	$12.0M	$26.0M	$11.0M	$9.0M	$12.0M	$18.0M	$19.0M	$19.0M
Operating Profit	$1.0M	$1.0M	$1.0M	$-12.0M	$2.0M	$2.0M	$1.0M	$-2.0M	$0	$3.0M
Operating Margin	12.4%	10.2%	7.4%	-92.9%	17.0%	18.1%	9.4%	-11.9%	1.2%	11.7%
Other Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest	$1.0M	$2.0M	$3.0M	$3.0M	$2.0M	$2.0M	$4.0M	$9.0M	$11.0M	$10.0M
Depreciation	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Profit Before Tax	$1.0M	$1.0M	$1.0M	$-12.0M	$2.0M	$2.0M	$1.0M	$-2.0M	$0	$3.0M
Tax	$35.4M	$-2.9M	$14.8M	$-2.1M	$16.2M	$23.1M	$24.0M	$12.2M	$23.9M	$23.8M
Net Profit	$1.0M	$1.0M	$1.0M	$-13.0M	$2.0M	$2.0M	$1.0M	$-2.0M	$0	$2.0M
EPS	$0.11	$0.16	$0.10	$-1.52	$0.22	$0.19	$0.11	$-0.21	$0.02	$0.24
Dividend Payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

Metric	Sep '23	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
Revenue	$4.0M	$4.0M	$4.0M	$4.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M
Operating Expenses	$4.0M	$4.0M	$4.0M	$6.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M
Operating Profit	$0	$0	$0	$-1.0M	$0	$0	$0	$0	$0	$0	$1.0M	$1.0M
Operating Margin	-6.4%	-11.4%	-3.4%	-24.9%	-0.4%	0.1%	0.3%	4.7%	8.7%	7.5%	14.0%	16.4%
Interest	$2.0M	$2.0M	$2.0M	$3.0M	$3.0M	$3.0M	$3.0M	$3.0M	$3.0M	$3.0M	$2.0M	$2.0M
Profit Before Tax	$0	$0	$0	$-1.0M	$0	$0	$0	$0	$0	$0	$1.0M	$1.0M
Tax	$28.3M	$20.7M	$26.2M	$3.5M	$28.6M	$-116.7M	$53.3M	$26.4M	$24.1M	$24.2M	$23.1M	$24.0M
Net Profit	$0	$0	$0	$-1.0M	$0	$0	$0	$0	$0	$0	$1.0M	$1.0M
EPS	$-0.02	$-0.04	$-0.01	$-0.13	$0.00	$0.00	$0.00	$0.02	$0.04	$0.04	$0.07	$0.08

Over the 10 years reported for Kentucky First Federal Bancorp, borrowings decreased from $56.0M in 2017 to $49.0M in 2026, cash stood at $16.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.47 times.

Balance Sheet — 10 Years (USD millions)

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Total Assets	$308.0M	$318.0M	$331.0M	$321.0M	$338.0M	$328.0M	$349.0M	$375.0M	$372.0M	$362.0M
Current Assets	$18.0M	$16.0M	$19.0M	$17.0M	$18.0M	$23.0M	$21.0M	$29.0M	$21.0M	$16.0M
Cash	$17.0M	$16.0M	$17.0M	$16.0M	$17.0M	$11.0M	$8.0M	$18.0M	$2.0M	$16.0M
Inventory	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Receivables	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$2.0M
Fixed Assets	$6.0M	$6.0M	$5.0M	$5.0M	$5.0M	$5.0M	$4.0M	$4.0M	$4.0M	$0
Capital Work in Progress	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Investments	$260.0M	$271.0M	$283.0M	$288.0M	$300.0M	$286.0M	$326.0M	$343.0M	$359.0M	$333.0M
Other Assets	$15.0M	$15.0M	$15.0M	$1.0M	$1.0M	$1.0M	$1.0M	$0	$0	$0
Total Liabilities	$241.0M	$251.0M	$264.0M	$269.0M	$286.0M	$276.0M	$298.0M	$327.0M	$324.0M	$312.0M
Current Liabilities	$183.0M	$196.0M	$196.0M	$212.0M	$227.0M	$240.0M	$226.0M	$256.0M	$210.0M	$34.0M
Borrowings	$56.0M	$53.0M	$67.0M	$55.0M	$57.0M	$34.0M	$70.0M	$69.0M	$43.0M	$49.0M
Other Liabilities	$186.0M	$198.0M	$198.0M	$215.0M	$229.0M	$242.0M	$228.0M	$258.0M	$281.0M	$264.0M
Equity	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Reserves	$67.0M	$67.0M	$66.0M	$52.0M	$52.0M	$52.0M	$51.0M	$48.0M	$48.0M	$50.0M

For Kentucky First Federal Bancorp, operating cash flow was positive in 8 of 10 reported years; free cash flow in the latest year was $1.0M; free cash flow was positive in 8 of 10 years; financing activities used $17.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 10 Years (USD millions)

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Operating Cash Flow	$2.0M	$1.0M	$1.0M	$1.0M	$2.0M	$3.0M	$1.0M	$-1.0M	$0	$1.0M
Investing Cash Flow	$-18.0M	$-13.0M	$-13.0M	$0	$-9.0M	$13.0M	$-40.0M	$-17.0M	$6.0M	$6.0M
Financing Cash Flow	$-6.0M	$13.0M	$-1.0M	$16.0M	$14.0M	$12.0M	$-14.0M	$30.0M	$21.0M	$-17.0M
Net Cash Flow	$0	$-3.0M	$0	$4.0M	$8.0M	$4.0M	$-18.0M	$10.0M	$1.0M	$-19.0M
Free Cash Flow	$2.0M	$1.0M	$1.0M	$1.0M	$1.0M	$2.0M	$1.0M	$-2.0M	$0	$1.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.02
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	65.02%
Return 3Y	-15.52%
Return 5Y	-17.48%

Kentucky First Federal Bancorp (KFFB) financials — frequently asked questions

What is Kentucky First Federal Bancorp's annual revenue?

Kentucky First Federal Bancorp (KFFB) reported annual revenue of $21.0M in its most recent fiscal year.

What is Kentucky First Federal Bancorp's net profit?

Kentucky First Federal Bancorp (KFFB) reported net profit of $2.0M in its most recent fiscal year.

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