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KFFB 
Kentucky First Federal Bancorp (KFFB)
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Upturn Advisory Summary
11/13/2025: KFFB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 24.56% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 22.64M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta -0.02 | 52 Weeks Range 1.96 - 3.62 | Updated Date 06/29/2025 |
52 Weeks Range 1.96 - 3.62 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.13 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -12.92% | Operating Margin (TTM) 4.34% |
Management Effectiveness
Return on Assets (TTM) -0.29% | Return on Equity (TTM) -2.21% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 48316800 | Price to Sales(TTM) 2.73 |
Enterprise Value 48316800 | Price to Sales(TTM) 2.73 | ||
Enterprise Value to Revenue 9.12 | Enterprise Value to EBITDA - | Shares Outstanding 8086720 | Shares Floating 2957473 |
Shares Outstanding 8086720 | Shares Floating 2957473 | ||
Percent Insiders 62.33 | Percent Institutions 3.98 |
Upturn AI SWOT
Kentucky First Federal Bancorp
Company Overview
History and Background
Kentucky First Federal Bancorp was founded in 1934 as First Federal Savings and Loan Association of Hazard. It operates as the holding company for First Federal Savings and Loan Association of Hazard, providing community banking services.
Core Business Areas
- Retail Banking: Offers checking accounts, savings accounts, money market accounts, and certificates of deposit to individuals and small businesses.
- Mortgage Lending: Provides mortgage loans for residential properties, including fixed-rate and adjustable-rate mortgages.
- Commercial Lending: Extends commercial loans to businesses for various purposes, such as real estate, equipment, and working capital.
Leadership and Structure
The leadership team consists of a Board of Directors and executive management. The organizational structure is typical of a community bank, with departments for lending, retail banking, operations, and finance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of mortgage products including fixed-rate, adjustable-rate, and government-backed loans. Market share data is not publicly available. Competitors include larger national banks and mortgage companies.
- Commercial Loans: Provides loans to small and medium-sized businesses for real estate, equipment, and working capital. Market share data is not publicly available. Competitors include regional banks and credit unions.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Market share data is not publicly available. Competitors include regional banks and credit unions.
Market Dynamics
Industry Overview
The community banking industry is characterized by increasing regulatory scrutiny, low interest rate environment, and competition from larger financial institutions and fintech companies.
Positioning
Kentucky First Federal Bancorp is a community-focused bank offering traditional banking services in its local market. Its competitive advantage lies in its local presence and personalized service.
Total Addressable Market (TAM)
The TAM consists of the total banking needs of individuals and businesses in Kentucky. Kentucky First Federal Bancorp focuses on a small portion of the TAM, primarily in its local service area.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Personalized customer service
- Local market expertise
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking products
- Limited technology investment
Opportunities
- Expand into adjacent markets
- Increase online banking services
- Offer specialized financial products
- Acquire smaller community banks
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn in Kentucky
- Regulatory compliance costs
Competitors and Market Share
Key Competitors
- Regional Banks in Kentucky
- Community Trust Bancorp (CTBI)
Competitive Landscape
Kentucky First Federal Bancorp faces intense competition from larger regional and national banks with greater resources and brand recognition. It differentiates itself through personalized service and local market expertise.
Growth Trajectory and Initiatives
Historical Growth: Data is not publicly available as they are not a publicly traded company.
Future Projections: Data is not publicly available as they are not a publicly traded company.
Recent Initiatives: Data is not publicly available as they are not a publicly traded company.
Summary
Kentucky First Federal Bancorp is a community bank with a strong local presence, offering traditional banking services. Its personalized customer service is a strength, but it faces competition from larger banks and needs to invest in technology. Its future success depends on adapting to changing customer needs and effectively managing regulatory costs. Its biggest risks stem from reliance on the Kentucky region in general.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- SEC Filings of Competitors
Disclaimers:
The data provided is based on publicly available information and may not be completely accurate. This analysis is for informational purposes only and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Kentucky First Federal Bancorp
Exchange NASDAQ | Headquaters Hazard, KY, United States | ||
IPO Launch date 2005-03-03 | President, CEO, COO & Director Mr. Don D. Jennings | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 56 | Website https://ffsbky.bank |
Full time employees 56 | Website https://ffsbky.bank | ||
Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provide various banking products and services in Kentucky. It is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. The company's loan portfolio comprises one-to four-family, multi-family, and construction residential real estate loans; nonresidential real estate loans comprising of office buildings, churches and properties used for other purposes; and consumer loans, including home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans, as well as commercial non-mortgage loans. Kentucky First Federal Bancorp was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp operates as a subsidiary of First Federal MHC.
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