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Upturn AI SWOT - About
KFFB 
Kentucky First Federal Bancorp (KFFB)
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Upturn Advisory Summary
09/17/2025: 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 -2.19% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
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, headquartered in Hazard, Kentucky, operates as the holding company for First Federal Savings and Loan Association of Hazard. Established in 1926, the company has focused on providing financial services to communities in Eastern Kentucky, with a long history of community banking and customer-focused service.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, personal loans, and mortgage loans.
- Commercial Lending: Offers commercial loans to small and medium-sized businesses, supporting local economic development.
- Wealth Management: Provides wealth management services to individuals and families, including investment advice and financial planning.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical of a community bank, with branches managed locally and oversight from a board of directors.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Residential mortgage loans are a significant product, focused on Eastern Kentucky. Market share data is highly localized and difficult to determine precisely, but they are a leading provider in their operating area. Competitors include larger regional banks and national mortgage lenders.
- Commercial Loans: Loans to local businesses are a core product. Specific market share data isn't readily available, but they are a key lender to small businesses in their region. Competitors include other community banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is facing increased regulation, competition from non-bank lenders, and the rise of fintech. Community banks are focused on building relationships and providing personalized service.
Positioning
Kentucky First Federal Bancorp is a community bank focused on serving the Eastern Kentucky market. Its competitive advantages include local knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM is the total banking and lending market in Eastern Kentucky, estimated at several billion dollars. Kentucky First Federal Bancorp captures a small but significant portion due to its local focus.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market knowledge
- Customer-focused service
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller asset base compared to larger banks
- Dependence on local economy
- Limited technology investments
Opportunities
- Expanding into adjacent markets
- Offering new products and services
- Investing in technology to improve efficiency
- Acquiring smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Eastern Kentucky
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- PBHC
- CVLY
- TCBI
Competitive Landscape
Kentucky First Federal Bancorp's advantages lie in its local presence and customer relationships. Disadvantages include its smaller size and limited resources compared to regional and national competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are difficult to assess due to data constraints.
Future Projections: Future growth projections are not available due to data limitations.
Recent Initiatives: Recent initiatives are difficult to ascertain due to data constraints.
Summary
Kentucky First Federal Bancorp is a community bank focused on serving Eastern Kentucky. Its strengths are rooted in its local knowledge and customer relationships, but it faces challenges from larger competitors and economic uncertainties in its region. Data constraints make a full financial assessment difficult. The company should consider strategic initiatives to diversify its business and enhance its technology offerings to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website, limited public resources.
- SEC.gov
- Yahoo Finance
Disclaimers:
Due to the limited availability of detailed financial information for Kentucky First Federal Bancorp, this analysis is based on publicly available data and general industry knowledge. Market share data is estimated and may not be precise. Some data points are N/A as a result.
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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