Kentucky First Federal Bancorp (KFFB) | Investment Case

1. Company Snapshot

1.a. Company Description

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.

Show Full description

1.b. Last Insights on KFFB

Kentucky First Federal Bancorp's recent performance was driven by a significant improvement in its financials, with the company reporting a net income of $7,000 for the three months ended March 31, 2025, compared to a net loss of $107,000 in the same period last year. This turnaround was largely attributed to a substantial reduction in operating expenses, which contributed to a notable increase in profitability. Additionally, the company's ability to manage its loan portfolio effectively, resulting in a decrease in non-performing assets, also played a crucial role in its improved financial performance.

1.c. Company Highlights

Last Price	4.45
Change Percentage	3.25%
Open	4.15
Previous Close	4.31
Market Cap ( Millions)	36
Volume	5365
Year High	4.97
Year Low	1.96
M A 50	4.0
M A 200	3.2

FCF Yield	4.51%
Dividend Yield	0.00%
ROE	1.12%
Debt / Equity	89.76%
Net Debt / EBIDTA	5033.49%
Price To Book	0.74
Price Earnings Ratio	66.64
Price To FCF	22.16
Price To sales	2.41
EV / EBITDA	93.54

2. Transcript Summary

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3. NewsRoom

Kentucky First Federal Bancorp Reports Earnings

May -12

Source: globenewswire.com

Kentucky First Federal Bancorp Reports Earnings

Feb -11

Source: globenewswire.com

Kentucky First Federal Bancorp Releases Earnings

Nov -12

Source: globenewswire.com

Kentucky First Federal Bancorp (KFFB) Stock Rises 5.11% Amid Industry Activity

Oct -02

Source: gurufocus.com

Kentucky First Federal Bancorp Announces Appointment of Director, Selection of Chairman

Sep -04

Source: globenewswire.com

Kentucky First Federal Bancorp Announces Retirement of Tony D. Whitaker, Chairman of the Board

Aug -05

Source: globenewswire.com

Kentucky First Federal Bancorp Releases Earnings

May -10

Source: globenewswire.com

Kentucky First Federal Bancorp Releases Earnings

Feb -12

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (10.00%)

6. Segments

Banking and Related Activities

Expected Growth: 10%

Kentucky First Federal Bancorp's 10% growth in Banking and Related Activities is driven by increasing demand for mortgage loans, strategic expansion into underserved markets, and a strong online banking platform. Additionally, the bank's focus on community development and small business lending has contributed to its growth. Furthermore, the bank's cost-cutting initiatives and efficient operations have also supported its growth.

7. Detailed Products

Personal Checking

A range of personal checking accounts designed to meet individual needs, offering features such as online banking, mobile banking, and bill pay.

Savings Accounts

A variety of savings accounts with competitive interest rates, designed to help individuals and families save for the future.

Certificates of Deposit (CDs)

Time deposits with fixed interest rates and maturity dates, offering a low-risk investment option.

Personal Loans

Unsecured and secured loan options for personal expenses, debt consolidation, and large purchases.

Mortgage Loans

A range of mortgage loan options, including fixed-rate and adjustable-rate loans, for purchasing or refinancing a home.

Commercial Loans

Loans and lines of credit for businesses, including commercial real estate loans, equipment financing, and working capital loans.

Online Banking and Mobile Banking

Secure online and mobile banking platforms for managing accounts, paying bills, and transferring funds.

8. Kentucky First Federal Bancorp's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Kentucky First Federal Bancorp is moderate, as customers have alternative banking options available.

Bargaining Power Of Customers

The bargaining power of customers is low, as Kentucky First Federal Bancorp has a strong customer base and offers a range of financial products and services.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate, as Kentucky First Federal Bancorp relies on a few key suppliers for its operations, but has some flexibility in its supply chain.

Threat Of New Entrants

The threat of new entrants is low, as Kentucky First Federal Bancorp operates in a highly regulated industry with significant barriers to entry.

Intensity Of Rivalry

The intensity of rivalry is high, as Kentucky First Federal Bancorp operates in a competitive banking industry with many established players.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	73.42%
Debt Cost	5.14%
Equity Weight	26.58%
Equity Cost	5.14%
WACC	5.14%
Leverage	276.25%

11. Quality Control: Kentucky First Federal Bancorp passed 2 out of 9 key points

Strong Liquidity

Low Deb

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

C&F Financial

A-Score: 6.3/10

Value: 7.7

Growth: 4.7

Quality: 6.1

Yield: 6.0

Momentum: 7.5

Volatility: 5.7

1-Year Total Return ->

Nicolet Bankshares

A-Score: 6.2/10

Value: 5.6

Growth: 6.3

Quality: 7.9

Yield: 1.0

Momentum: 9.0

Volatility: 7.3

1-Year Total Return ->

Metropolitan Bank

A-Score: 5.8/10

Value: 7.6

Growth: 8.0

Quality: 6.5

Yield: 0.0

Momentum: 8.0

Volatility: 4.7

1-Year Total Return ->

Alerus Financial

A-Score: 5.5/10

Value: 5.9

Growth: 3.0

Quality: 5.8

Yield: 7.0

Momentum: 3.5

Volatility: 7.7

1-Year Total Return ->

First Northwest Bancorp

A-Score: 5.2/10

Value: 9.4

Growth: 5.6

Quality: 4.0

Yield: 5.0

Momentum: 1.5

Volatility: 6.0

1-Year Total Return ->

Kentucky First Federal

A-Score: 4.3/10

Value: 4.8

Growth: 1.9

Quality: 4.1

Yield: 4.0

Momentum: 8.5

Volatility: 2.7

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

18.99%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

5.14%

Kentucky First Federal Bancorp - US4912921081

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on KFFB

1.c. Company Highlights

Weak Momentum

Higher Yield

Cheaper

Lower Growth

Medium Volatility

More Volatile

Lower Quality

Strong Momentum

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (10.00%)

6. Segments

Banking and Related Activities

Expected Growth: 10%

7. Detailed Products

Personal Checking

Savings Accounts

Certificates of Deposit (CDs)

Personal Loans

Mortgage Loans

Commercial Loans

Online Banking and Mobile Banking

8. Kentucky First Federal Bancorp's Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Kentucky First Federal Bancorp passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

4.45$

Current Price

4.45$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA