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Upturn AI Summary - About
Kentucky First Federal Bancorp(KFFB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for KFFB
10/28/2026: KFFB (3-star) is currently NOT-A-BUY. Pass it for now.
Kentucky First Federal Bancorp is a community-focused regional bank that specializes in residential mortgage lending primarily within Kentucky. The company's main strengths lie in its conservative lending standards, long-standing community relationships, and history of consistent dividend payments to shareholders. Its primary investment story centers on stable, long-term income generation within a defined local market. However, primary risks include limited geographic and product diversification, sensitivity to interest rate changes, and intense competition from larger regional and national banks. This stock may best suit dividend-focused or low-risk investors, and stakeholders should monitor changes in interest rates and local housing market trends.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company exhibits slow, organic growth characteristic of a small, stable community bank. |
| Momentum investor | Weak fit | The stock typically lacks the high-volatility, high-volume price trends sought by momentum investors. |
| Value investor | Mixed fit | The company may offer value potential based on book value metrics, though low liquidity can be a factor. |
| Dividend investor | Strong fit | The company has a history of providing regular dividend payments, which is appealing to income-focused investors. |
| Low-risk investor | Strong fit | The conservative business model and focus on mortgage lending attract investors seeking lower-risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock often exhibits lower trading volume and price fluctuations typical of small-cap regional banks. |
| Valuation risk | Medium | Valuation is tied to book value and local bank performance, which can be affected by interest rate shifts. |
| Competition risk (Banking competition) | High | The company competes with larger entities that possess greater technological and financial resources. |
| Business quality | Medium | The business quality is stable but limited by scale and geographic concentration. |
| Dividend income | Medium | Dividends are dependent on the bank's earnings and capital requirements. |
| Execution risk | Medium | Operational success relies on maintaining credit quality in the mortgage portfolio during economic changes. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 53.02% | Avg. Invested days 65 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 43.26M USD | Price to earnings Ratio 22.29 | 1Y Target Price - |
Price to earnings Ratio 22.29 | 1Y Target Price - | ||
Volume (30-day avg) 7.9K shares | Beta 0.14 | 52 Weeks Range 3.73 - 6.46 | Updated Date 10/28/2026 |
52 Weeks Range 3.73 - 6.46 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.24 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on residential mortgage loans minus interest paid on customer deposits. | The primary way the bank makes money is by charging more interest on loans than it pays to depositors. |
| Non-Interest Income | Fees from loan servicing, deposit account charges, and other financial services. | This represents smaller fee-based revenues generated from daily banking services. |
Valuation
Trailing PE 22.29 | Forward PE 46.08 | Enterprise Value 75.37M | Price to Sales(TTM) 3.76 |
Enterprise Value 75.37M | Price to Sales(TTM) 3.76 | ||
Enterprise Value to Revenue 7.73 | Enterprise Value to EBITDA - | Shares Outstanding 8.09M | Shares Floating 3.03M |
Shares Outstanding 8.09M | Shares Floating 3.03M | ||
Percent Insiders 62.69 | Percent Institutions 3.72 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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