Kentucky First Federal Bancorp (KFFB) AI Stock Analysis

• Market Cap: $24.10M
• Dividend Yield: 3.03%
• Average Volume (3M): 2.31K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.12
• Revenue Growth: 26.21%
• EPS Growth: -239.03%
• Country: US
• Employees: 56
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): -0.15
• Shares Outstanding: 8,086,715
• 10 Day Avg. Volume: 1,777
• 30 Day Avg. Volume: 2,305
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.04
• Price to Cash Flow (P/CF): 4.20
• P/FCF Ratio: 2.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Kentucky First Federal Bancorp's overall score reflects significant concerns with its current financial performance, particularly in terms of profitability and cash flow management. Technical analysis further indicates bearish market sentiment, which is consistent with the company's financial challenges. The valuation metrics underscore the risks, given the negative P/E ratio and lack of dividend yield, making the stock less attractive in the current market environment.

Kentucky First Federal Bancorp Business Overview & Revenue Model

Company Description

Kentucky First Federal Bancorp (KFFB) is a savings and loan holding company operating in the financial services sector. The company primarily focuses on providing traditional banking products and services through its subsidiaries, including savings accounts, time deposits, and mortgage loans. Kentucky First Federal Bancorp serves individual and commercial clients, primarily within the state of Kentucky, offering personalized financial solutions to meet their banking and lending needs.

How the Company Makes Money

Kentucky First Federal Bancorp makes money primarily through interest income generated from its portfolio of mortgage and other loans. The company collects interest payments from borrowers, which forms a significant portion of its revenue. Additionally, KFFB earns income through service fees associated with deposit accounts and banking services. The company's financial performance is influenced by interest rate fluctuations, loan demand, and the overall economic environment, which affect its net interest margin and profitability.

Kentucky First Federal Bancorp Financial Statement Overview

Summary

Kentucky First Federal Bancorp's financials reflect challenges in profitability and cash flow management. While the balance sheet shows some resilience due to an equity-heavy structure, the company's ability to generate consistent revenue and positive cash flow remains a concern. These factors highlight potential risks and the need for financial strategy adjustments to improve overall stability and growth.

Income Statement

Kentucky First Federal Bancorp's TTM revenue shows a significant decline compared to the previous year, with a negative net income indicating profitability challenges. The absence of EBITDA figures for the TTM further complicates profitability analysis.

Balance Sheet

The company maintains a strong equity position with no current debt, reflected in an improving equity ratio. However, the decline in stockholders' equity and inconsistent ROE across periods suggests volatility in financial stability.

Cash Flow

The cash flow analysis shows negative operating and free cash flow, indicating potential liquidity issues. Despite strong financing cash flows, the lack of consistent positive free cash flow growth is concerning.

Breakdown
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
12.94M	7.22M	9.16M	9.16M	10.61M	9.72M
	Gross Profit
12.92M	7.20M	9.16M	9.16M	10.61M	9.72M
	EBIT
6.39M	0.00	1.23M	3.82M	2.17M	-12.28M
	EBITDA
0.00	0.00	1.48M	2.35M	2.46M	-12.01M
	Net Income Common Stockholders
-1.19M	-1.72M	933.00K	1.07M	1.82M	-12.55M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
3.51M	18.29M	8.17M	21.48M	21.93M	16.47M
	Total Assets
238.35M	374.97M	349.02M	328.08M	338.06M	321.14M
	Total Debt
33.66M	68.99M	70.09M	34.07M	56.87M	54.72M
	Net Debt
30.26M	51.40M	61.92M	8.24M	34.98M	38.78M
	Total Liabilities
180.43M	326.97M	70.09M	276.06M	285.77M	269.23M
	Stockholders Equity
57.92M	48.00M	50.71M	52.02M	52.30M	51.91M
Cash Flow		Free Cash Flow
-621.00K	-1.52M	1.02M	2.49M	1.48M	877.00K
	Operating Cash Flow
-586.00K	-1.45M	1.15M	2.64M	1.58M	1.04M
	Investing Cash Flow
-2.11M	-16.60M	-39.48M	13.33M	-8.85M	243.00K
	Financing Cash Flow
9.08M	28.18M	20.68M	-11.80M	15.21M	2.56M

Kentucky First Federal Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.93
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KFFB, the sentiment is Negative. The current price of 2.93 is below the 20-day moving average (MA) of 2.94, below the 50-day MA of 3.10, and below the 200-day MA of 3.03, indicating a bearish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 49.33 is Neutral, neither overbought nor oversold. The STOCH value of 22.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KFFB.

Kentucky First Federal Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OCFC	73 Outperform	$996.06M	10.32	5.95%	4.70%	7.54%	-2.82%
HFWA	71 Outperform	$827.00M	19.63	5.04%	3.82%	4.64%	-28.68%
BHLB	68 Neutral	$1.21B	18.29	5.60%	2.76%	4.29%	-9.78%
ESSA	66 Neutral	$191.42M	10.82	7.30%	3.18%	11.38%	-6.14%
FMBH	65 Neutral	$836.98M	10.57	9.62%	2.72%	17.70%	3.88%
Sector *	63 Neutral	$14.35B	9.94	8.94%	4.37%	16.34%	-11.76%
KFFB	49 Neutral	$24.10M	―	-2.44%	3.03%	26.21%	-239.03%