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Upturn AI SWOT - About
KFFB 
Kentucky First Federal Bancorp (KFFB)
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Upturn Advisory Summary
08/27/2025: 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 -7.95% | Avg. Invested days 29 | 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 08/27/2025 |
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 has grown through organic expansion and strategic acquisitions to become a community-focused financial institution in Kentucky.
Core Business Areas
- Community Banking: Provides traditional banking services including deposit accounts, loans, and other financial products to individuals and businesses in Kentucky.
- Mortgage Lending: Offers a range of mortgage products for home purchases and refinancing.
- Wealth Management: Provides financial planning and investment services to individuals and families.
Leadership and Structure
The company is led by a board of directors and executive management team. The organizational structure includes various departments responsible for banking operations, lending, finance, and compliance.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Provides residential mortgage loans to individuals. Market share data is not readily available, but they compete with national banks and regional lenders. Competitors include JPMorgan Chase (JPM), Wells Fargo (WFC), and US Bancorp (USB).
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data is not readily available. Competitors include local and regional banks and credit unions.
- Commercial Loans: Provides loans to businesses for various purposes. Market share data is not readily available. Competitors include local and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, regulatory changes, and technological advancements. Interest rate fluctuations and economic conditions impact profitability.
Positioning
Kentucky First Federal Bancorp is a community-focused bank with a strong presence in its local markets. Its competitive advantage lies in its personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for community banking in Kentucky is estimated to be in the billions of dollars. Kentucky First Federal Bancorp is positioned to capture a portion of this market through its community focus and branch network.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer loyalty
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on local economy
- Limited brand recognition outside of Kentucky
Opportunities
- Expanding into new markets in Kentucky
- Increasing digital banking offerings
- Acquiring smaller banks or credit unions
- Offering new financial products and services
Threats
- Increased competition from larger banks
- Economic downturn in Kentucky
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- WFC
- USB
- Local Community Banks
Competitive Landscape
Kentucky First Federal Bancorp competes with larger national banks and local community banks. Its advantage lies in its local expertise and personalized service, while its disadvantage is its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Kentucky First Federal Bancorp's historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth depends on market conditions, competition, and management's strategic initiatives.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and new product launches. Accessing press releases and news articles will provide details.
Summary
Kentucky First Federal Bancorp is a community-focused bank with strengths in local markets. Its smaller scale and dependence on the local economy pose challenges. Expanding digital offerings and considering strategic acquisitions can drive future growth. Maintaining customer loyalty and conservative lending practices are essential.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Financial news sources
- Regulatory filings
- Industry reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Market share data is estimated. It is not 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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