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Companies / Financials / Kentucky First Federal Bancorp
KFFB

Kentucky First Federal Bancorp

FinancialsBanks & Brokers
Ticker KFFBHAZARD, KYFiscal year ends JuneBook value per share $6.22Diluted shares 8.1M

Kentucky First Federal Bancorp (Nasdaq: KFFB) is a bank holding company that operates two community-oriented savings institutions, First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, serving consumers and businesses in Kentucky. The banks attract deposits from the public… From the company’s description.

In fiscal 2026, Kentucky First Federal Bancorp reported revenue of $11.74M, up 32.8% from fiscal 2025, and net income of $1.91M. Its pre-tax margin was 21.3%.

Fiscal year 2026 · ends 06-30Changes are against fiscal 2025
Sales & profitability
$11.74MFY2026
+32.8% year over year
21.33%FY2026
+18.6 percentage points
$1.91MFY2026
+954.7% year over year
3.80%FY2026
+3.4 percentage points
Cash & financing
$1.25MFY2026
+1550.0% year over year
$1.11MFY2026
+572.8% year over year
6.15FY2026
Was 6.62× a year earlier
8.1MFY2026
−0.1% year over year

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure.

What Kentucky First Federal Bancorp does

In the company’s own words

Kentucky First Federal Bancorp (Nasdaq: KFFB) is a bank holding company that operates two community-oriented savings institutions, First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, serving consumers and businesses in Kentucky. The banks attract deposits from the public and use them primarily to make residential real estate loans, including mortgages on one- to four-family homes; they also offer home equity, construction, multifamily, commercial real estate and other consumer loans. First Federal of Hazard serves eastern Kentucky, while First Federal of Kentucky lends mainly in Franklin, Boyle, Garrard and surrounding counties. The company also invests in mortgage-backed and other securities when loan demand is insufficient, and First Federal of Kentucky sells some longer-term fixed-rate mortgages while retaining servicing rights. Its current structure dates to its 2005 reorganization and acquisition of Frankfort First Bancorp; in 2012, it acquired CFK Bancorp, whose bank became a division of First Federal of Kentucky. At June 30, 2026, the company had $362.4 million in assets and $260.8 million in deposits.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
HAZARD, KY
Fiscal year end
June
CIK
1297341
SIC
6035

Financial performance, year by year

Fiscal 2012–2026 · USD
$-14.99M$-7.66M$-0.34M$6.99M$14.32M201220132014201520162017201820192020202120222023202420252026

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Kentucky First Federal Bancorp — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

16
funds hold it
0 of 35
superinvestors hold it
$0.69M
held by funds, at market
1.8%
of shares held by funds

Largest fund holders · Kentucky First Federal Bancorp’s weight in each

VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.00%of fund net assets
U.S. MICRO CAP PORTFOLIO
DFSCX · DFA INVESTMENT DIMENSIONS GROUP INC
—of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Micro-Cap ETF
IWC · iShares Trust
0.00%of fund net assets
Fidelity Extended Market Index Fund
FSMAX · Fidelity Concord Street Trust
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Kentucky First Federal Bancorp and its peers compare on margins and cash generation over ten years?”
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