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NASDAQ · SAVINGS INSTITUTION, FEDERALLY CHARTERED · SMALL CAP

Kentucky First Federal Bancorp KFFB

15 fiscal years on record · USD · FY2024 reported · SEC filings only
$181,000
$-235,000

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

First Federal of Hazard operates from a single office located at 655 Main Street, Hazard, Kentucky as a community-oriented savings and loan association offering traditional financial services to consumers in Perry and surrounding counties in eastern Kentucky. It engages primarily in the business of attracting deposits from the general public and using such funds to originate, when available, loans secured by first mortgages on owner-occupied, residential real estate and occasionally other loans secured by real estate. First Federal of Kentucky is a federally chartered savings bank, which is primarily engaged in the business of attracting deposits from the general public and originating primarily adjustable-rate loans secured by first mortgages on owner-occupied and nonowner-occupied one- to four-family residences in Franklin, Boyle, Garrard and other counties in Kentucky. First Federal of Kentucky also originates, to a lesser extent, home equity loans and loans secured by churches, multi-family properties, professional office buildings and other types of property.

Written from the business description in Kentucky First Federal Bancorp's annual report to the U.S. Securities and Exchange Commission, filed 30 September 2025. Every sentence was checked against that document before publication.

Growth

·
Revenue, FY2024 · full 15-year series below
Compound annual growth
−51.5%
−21.6%
−52.8%
−22.3%
−20.6%
−12.9%
−6.7%
−21.6%
−14.1%
−8.1%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

·
ROE
FY2024 · ROE 0.4%
2%4%-10%-20%
201020172024
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 0 cents of profit this year.

Cash & shareholders

·
returned in FY2024 · dividends + net buybacks
Free cash flow $M
FY2024 · FCF -0.2
2M3M-1M-2M
201020172024
Net buybacks $M Dividends $M
FY2023 · Dividends 0.7 · Net buybacks ·
1M2MDividendsNet buybacks
20102012201420162018202020222023

Total assetsUSD 371.2M
EquityUSD 48.4M
CashUSD 19.5M
DepositsUSD 277.6M

Equity funds 13% of total assets.

The 15-year record

15 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative—not applicable◌not available in our data
KFFB, 15-year financial record
Metric 202420232022202120202019201820172016201520142013201220112010
Revenue $B◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Operating income $B0.0−0.00.00.00.0−0.00.00.00.00.00.00.00.00.00.0
EBITDA $B0.0−0.00.00.00.0−0.00.00.00.00.00.00.00.0◌◌
Income tax $B0.0−0.00.00.00.00.00.0−0.00.00.00.0◌◌◌◌
Net income $B0.0−0.00.00.00.0−0.00.00.00.00.00.00.00.00.00.0
Free cash flow $B−0.0−0.00.00.00.00.00.00.00.00.00.00.00.00.00.0
EPS, diluted $0.02−0.210.110.190.22−1.520.100.160.110.180.250.230.370.230.23
Dividend / sh $◌0.200.400.400.400.400.400.400.400.400.400.400.400.400.40
Payout %—−391468876−11177110159996778449463
ROE %0.4−3.51.83.03.5−21.21.22.01.42.23.12.94.62.93.0

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

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Provenance

Company facts, as filed

How we verify · 0 failures in 45 reconciliationsAUDITED

Reconciled in 15 of the 15 fiscal years we could check. Three checks were skipped: the balance sheet is not tagged before 2010. Three checks were skipped: EPS is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivitySavings Institution, Federally Chartered
Listed onNASDAQ
Incorporated innot stated in the filings
Fiscal year endsJune 30
SEC categorysmaller reporting company
Data on record since2010

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