NASDAQ: KFFBKentucky First Federal Bancorp Stock
$4.79+0.09 (+1.91%)
Updated Jun 17, 2026
KFFB Price
$4.79
Fair Value Price
-$3.23
Market Cap
$38.74M
52 Week Low
$2.61
52 Week High
$4.98
P/E
28.18x
P/B
0.78x
P/S
3.2x
PEG
N/A
Dividend Yield
N/A
Revenue
$10.86M
Earnings
$1.41M
Gross Margin
100%
Operating Margin
17.02%
Profit Margin
12.9%
Debt to Equity
6.54
Operating Cash Flow
$1M
Beta
0.05
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
KFFB Overview
Kentucky First Federal Bancorp (KFFB) serves as the holding company for two financial institutions: First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. Together, these subsidiaries deliver a variety of banking products and services to communities throughout Kentucky. Customers can access a suite of deposit products, including passbook savings, certificate accounts, checking accounts, and individual retirement accounts. KFFB's comprehensive loan offerings include residential mortgages for single to four-family homes, construction financing, and loans secured by multi-family properties. A substantial portion of its portfolio consists of non-residential loans, which are backed by commercial office buildings, churches, and other purpose-built properties. Furthermore, it provides commercial loans not tied to real estate, alongside an array of consumer credit options. These range from home equity lines of credit (HELOCs) and loans secured by savings deposits to automobile loans and unsecured personal financing. Beyond direct lending, KFFB also invests in mortgage-backed securities. The company operates through a network of seven branch locations. Established in 2005, its headquarters are located in Hazard, Kentucky. Kentucky First Federal Bancorp itself is a subsidiary of First Federal MHC.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine KFFB's potential to beat the market
- KFFB doesn't meet the minimum data requirements for our proprietary Zen Ratings model. Learn more about Zen Ratings.
Zen Rating Component Grades
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Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
KFFB
RankedUnranked of 283
RankedUnranked of 283
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $57.55 | B | |
| $29.16 | B | |
| $70.25 | B |
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KFFB News
Overview
Due Diligence Score
–
Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how KFFB scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
KFFB ($4.79) is overvalued by 248.44% relative to our estimate of its Fair Value price of -$3.23 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
KFFB ($4.79) is not significantly undervalued (248.44%) relative to our estimate of its Fair Value price of -$3.23 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
KFFB was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more KFFB due diligence checks available for Premium users.
Valuation
KFFB fair value
Fair Value of KFFB stock based on Discounted Cash Flow (DCF)
Price
$4.79
Fair Value
-$3.23
Undervalued by
248.44%
KFFB ($4.79) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
KFFB ($4.79) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
KFFB was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
KFFB price to earnings (PE)
For valuing profitable companies with steady earnings
Company
28.18x
Industry
14.03x
Market
12.4x
KFFB is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
KFFB is poor value based... subscribe to Premium to read more.
P/E vs Market Valuation
KFFB price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.78x
Industry
1.27x
KFFB is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
KFFB's financial health
Profit margin
Revenue
$3.0M
Net Income
$581.0k
Profit Margin
19.6%
KFFB's Earnings (EBIT) of $1.85M... subscribe to Premium to read more.
Interest Coverage Financials
KFFB's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$374.5M
Liabilities
$324.9M
Debt to equity
6.54
KFFB's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
KFFB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$886.0k
Investing
$2.4M
Financing
-$1.7M
KFFB's operating cash flow ($1.06M)... subscribe to Premium to read more.
Debt Coverage Financials
KFFB vs Bank Stocks
Kentucky First Federal Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.