Kentucky First Federal Bancorp $KFFB Read from its own SEC filings · nothing written, nothing inferred
🫧 Edgar looked up KENTUCKY FIRST FEDERAL BANCORP ($KFFB). Last filing: DEF 14A, 2026-10-13. 9 event filings (8-K) in the past twelve months.
🔖 Exposure: revenue $15K (FY2019). Experience: revenue down 11.8% on the year, down 11.2% a year over 2 years. Soundness: equity 20.0% of assets, return on equity 1.2%, payout 176.8% of profit, the dividend per share fell in the latest year on record. Credibility: 3 audited years, moderate weight. Range: 80% of past cases like this landed between $10K and $18K next year (method v3, set from 749 SEC company-years; on a year the method never saw, 83% landed inside). A statistical range, not company guidance. Against peers (59 filers, $50M+ revenue, its industry group): growth -11.8% against 7.5%.
Gold paid out, navy kept. Kept share × return on equity = the growth it can fund itself. Facts from the filings, not a recommendation.
Cash
| Cash flow (op · inv · fin · free) | $1M · −$13M · $11M · $1M |
| Investment book (cash · short · long) | $10M · $0M · $1M |
The figures, as filed
| Fiscal year end | 2019-06-30 |
| Revenue | $0M |
| Revenue, on the year | −11.8% |
| Revenue, a year over the record | −11.2% |
| Operating margin | — |
| Operating margin, prior year | — |
| Net margin | 5413.3% |
| Research and development | not filed separately |
| Total debt | — |
| Equity of assets | 20.0% |
| Return on equity | 1.2% |
| Payout of profit | 176.8% |
| Dividend per share | $0.2 · cut in the latest year |
| Earnings per share | — |
| Book value per share | $7.95 |
| Revenue per share | $0.00 |
| Shares outstanding | 8,335,612 |
| Audited years read | 3 |
Peers: the median of 59 filers with $50M+ revenue in savings institution, federally chartered.
Health HarborKentucky First Federal Bancorp sails as: Weathered boat
Health watch · 12 monthsDirector or officer change
No growth figure to set the speed.
🌊 Visit the Bay →- operating cash flow was negative (-$86K in FY2025)
- revenue is hard to predict: its 80% range is ±28%
Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider. A picture of the signs, not a rating and not investment advice.
- DEF 14A · 2026-10-13
- 10-K · 2026-09-28
- 8-K · 2026-08-11 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits
- 8-K · 2026-07-29 · 8.01 Other Events; 9.01 Financial Statements and Exhibits
- 8-K · 2026-05-29 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits
- 10-Q · 2026-05-15
Its latest audited year is FY2025, which reports no revenue; the revenue figures and the range here are from FY2019, its last year with revenue on record. Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price. Reporting, not investment advice. No price targets and no trading recommendations. Figures from the SEC’s own data · every filing · this page as JSON · ask about another company