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Upturn AI SWOT - About
KFFB 
Kentucky First Federal Bancorp (KFFB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
07/14/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -13.12% | Avg. Invested days 22 | 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 07/14/2025 |
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, established in 1935, operates as the holding company for First Federal Savings and Loan Association of Hazard. It provides banking and financial services in Kentucky.
Core Business Areas
- Retail Banking: Offers traditional banking services like checking and savings accounts, CDs, and money market accounts to individuals and families.
- Mortgage Lending: Provides mortgage loans for residential properties, including fixed-rate and adjustable-rate mortgages.
- Commercial Lending: Offers loans to businesses for various purposes, such as working capital, equipment financing, and real estate acquisition.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure comprises departments for lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: First Federal provides residential mortgages, with focus on the Kentucky market. Market share information is not publicly available. Competitors include national banks like Wells Fargo (WFC), regional banks like Fifth Third Bancorp (FITB), and other local credit unions and community banks.
- Savings Accounts & CDs: First Federal provides savings accounts and CDs to customers. Market share information is not publicly available. Competitors include all other banks offering similar products.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, evolving regulatory landscape, and growing competition from fintech companies.
Positioning
Kentucky First Federal Bancorp is a community-focused bank with a strong presence in Eastern Kentucky. Its competitive advantage lies in its local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for banking services in Kentucky is estimated to be in the billions of dollars. Kentucky First Federal Bancorp holds a small portion of this TAM, reflecting its regional focus.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Established reputation
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Dependence on the local economy
- Limited product diversification
Opportunities
- Expansion into new markets within Kentucky
- Increased adoption of digital banking services
- Strategic partnerships with local businesses
- Capitalizing on the underserved population
Threats
- Increasing competition from larger banks and credit unions
- Economic downturn in the region
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- FITB
Competitive Landscape
Kentucky First Federal Bancorp competes with larger national and regional banks, as well as local credit unions. Its advantage lies in its localized knowledge and personalized service, however financial metrics are not availble to perform accurate analysis.
Growth Trajectory and Initiatives
Historical Growth: Growth trends cannot be determined due to a lack of public financial data.
Future Projections: Future projections are unavailable without financial data or analyst coverage.
Recent Initiatives: Recent initiatives are not publicly accessible as Kentucky First Federal Bancorp is a privately held company.
Summary
Kentucky First Federal Bancorp is a community bank focused on serving Eastern Kentucky. It possesses strengths in its local presence and customer service. However, its limited size and geographic reach present challenges. Without additional insight to performance it is tough to determine a proper rating
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Public Domain Information
Disclaimers:
The analysis is based on limited publicly available information. Financial data and market share estimates are unavailable or incomplete.
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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