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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.32
KFFB's Cash-to-Debt is ranked lower than
81% of the 1482 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. KFFB: 0.32 )
Ranked among companies with meaningful Cash-to-Debt only.
KFFB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.29 Max: N/A
Current: 0.32
Equity-to-Asset 0.22
KFFB's Equity-to-Asset is ranked higher than
92% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. KFFB: 0.22 )
Ranked among companies with meaningful Equity-to-Asset only.
KFFB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.19  Med: 0.24 Max: 0.27
Current: 0.22
0.19
0.27
Interest Coverage 1.25
KFFB's Interest Coverage is ranked lower than
58% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. KFFB: 1.25 )
Ranked among companies with meaningful Interest Coverage only.
KFFB' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.88 Max: 2.51
Current: 1.25
0.12
2.51
Beneish M-Score: -2.59
WACC vs ROIC
4.41%
1.21%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 16.23
KFFB's Operating Margin % is ranked lower than
80% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.60 vs. KFFB: 16.23 )
Ranked among companies with meaningful Operating Margin % only.
KFFB' s Operating Margin % Range Over the Past 10 Years
Min: 9.03  Med: 24.17 Max: 35.81
Current: 16.23
9.03
35.81
Net Margin % 10.76
KFFB's Net Margin % is ranked lower than
82% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.84 vs. KFFB: 10.76 )
Ranked among companies with meaningful Net Margin % only.
KFFB' s Net Margin % Range Over the Past 10 Years
Min: 6  Med: 16.31 Max: 24.72
Current: 10.76
6
24.72
ROE % 1.64
KFFB's ROE % is ranked lower than
88% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.26 vs. KFFB: 1.64 )
Ranked among companies with meaningful ROE % only.
KFFB' s ROE % Range Over the Past 10 Years
Min: 0.69  Med: 2.56 Max: 4.65
Current: 1.64
0.69
4.65
ROA % 0.37
KFFB's ROA % is ranked lower than
78% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. KFFB: 0.37 )
Ranked among companies with meaningful ROA % only.
KFFB' s ROA % Range Over the Past 10 Years
Min: 0.17  Med: 0.57 Max: 1.07
Current: 0.37
0.17
1.07
3-Year Revenue Growth Rate -4.80
KFFB's 3-Year Revenue Growth Rate is ranked lower than
82% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.80 vs. KFFB: -4.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
KFFB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.05 Max: 18.8
Current: -4.8
0
18.8
3-Year EBITDA Growth Rate -19.70
KFFB's 3-Year EBITDA Growth Rate is ranked lower than
92% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. KFFB: -19.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
KFFB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.1 Max: 73.2
Current: -19.7
0
73.2
3-Year EPS without NRI Growth Rate -21.40
KFFB's 3-Year EPS without NRI Growth Rate is ranked lower than
91% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. KFFB: -21.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
KFFB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -19.3 Max: 94.9
Current: -21.4
0
94.9
GuruFocus has detected 8 Warning Signs with Kentucky First Federal Bancorp $KFFB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» KFFB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:BFIN, NAS:BKMU, NYSE:BHLB » details
Kentucky First Federal Bancorp is a savings and loan holding company for First Federal Savings and Loan Association of Hazard, and First Federal Savings Bank of Frankfort that provide financial products and services in Kentucky and Perry County.

Kentucky First Federal Bancorp was incorporated as a mid-tier holding company under the laws of the United States on March 2, 2005 upon the completion of the reorganization of First Federal Savings and Loan Association of Hazard ('First Federal of Hazard') into a federal mutual holding company form of organization. First Federal of Hazard was formed as a federally chartered mutual savings and loan association in 1960. First Federal of Hazard operates from a single office in 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 is engaged 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 Frankfort is a federally chartered savings bank, which is engaged in the business of attracting deposits from the general public and originating mainly 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. Kentucky First's loan portfolio consists mainly of one- to four-family residential mortgage loans. It also offer loans secured by churches, commercial real estate, and multi-family real estate. The Company also offer loans secured by deposit accounts and, through First Federal of Frankfort, home equity loans. The main lending activity is the origination of mortgage loans to enable borrowers to purchase or refinance existing homes in the Banks' respective market areas. Kentucky First offers a mix of adjustable-rate and fixed-rate mortgage loans with terms up to 40 years. It originate loans to individuals to finance the construction of residential dwellings for personal use or for use as rental property On limited occasions, the Company has made construction loans to builders for the construction of a single-family residence for subsequent sale. The construction loans generally provide for the payment of interest only during the construction phase, which is usually less than one year. Kentucky First offers mortgage loans secured by multi-family or nonresidential real estate, which is generally secured by commercial office buildings, churches, condominiums and properties used for other purposes. The Company originates multi-family and nonresidential real estate loans for terms of generally 25 years or less. The Company's consumer loans include home equity lines of credit and loans secured by savings deposits. First Federal of Hazard and First Federal of Frankfort operate in three distinct market areas. First Federal of Hazard's market area consists of Perry County, where the business office is located, as well as the surrounding counties of Letcher, Knott, Breathitt, Leslie and Clay Counties in

Ratios

vs
industry
vs
history
PE Ratio 68.93
KFFB's PE Ratio is ranked lower than
97% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.36 vs. KFFB: 68.93 )
Ranked among companies with meaningful PE Ratio only.
KFFB' s PE Ratio Range Over the Past 10 Years
Min: 21.19  Med: 46.44 Max: 1306
Current: 68.93
21.19
1306
PE Ratio without NRI 68.93
KFFB's PE Ratio without NRI is ranked lower than
96% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. KFFB: 68.93 )
Ranked among companies with meaningful PE Ratio without NRI only.
KFFB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 21.19  Med: 46.44 Max: 1306
Current: 68.93
21.19
1306
Price-to-Owner-Earnings 91.90
KFFB's Price-to-Owner-Earnings is ranked lower than
97% of the 860 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.74 vs. KFFB: 91.90 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
KFFB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 16.03  Med: 38.22 Max: 119.82
Current: 91.9
16.03
119.82
PB Ratio 1.21
KFFB's PB Ratio is ranked lower than
56% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. KFFB: 1.21 )
Ranked among companies with meaningful PB Ratio only.
KFFB' s PB Ratio Range Over the Past 10 Years
Min: 0.84  Med: 1.19 Max: 1.91
Current: 1.21
0.84
1.91
PS Ratio 7.80
KFFB's PS Ratio is ranked lower than
92% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. KFFB: 7.80 )
Ranked among companies with meaningful PS Ratio only.
KFFB' s PS Ratio Range Over the Past 10 Years
Min: 5.02  Med: 8.39 Max: 16.38
Current: 7.8
5.02
16.38
Price-to-Free-Cash-Flow 91.04
KFFB's Price-to-Free-Cash-Flow is ranked lower than
97% of the 854 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.08 vs. KFFB: 91.04 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
KFFB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 11.34  Med: 52.95 Max: 328.21
Current: 91.04
11.34
328.21
Price-to-Operating-Cash-Flow 70.44
KFFB's Price-to-Operating-Cash-Flow is ranked lower than
97% of the 920 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. KFFB: 70.44 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
KFFB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 10.85  Med: 42.44 Max: 191.85
Current: 70.44
10.85
191.85
EV-to-EBIT 70.30
KFFB's EV-to-EBIT is ranked lower than
96% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.59 vs. KFFB: 70.30 )
Ranked among companies with meaningful EV-to-EBIT only.
KFFB' s EV-to-EBIT Range Over the Past 10 Years
Min: 16.6  Med: 50.7 Max: 182.3
Current: 70.3
16.6
182.3
EV-to-EBITDA 58.30
KFFB's EV-to-EBITDA is ranked lower than
95% of the 1219 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. KFFB: 58.30 )
Ranked among companies with meaningful EV-to-EBITDA only.
KFFB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 15.7  Med: 43.2 Max: 143.8
Current: 58.3
15.7
143.8
Shiller PE Ratio 48.66
KFFB's Shiller PE Ratio is ranked lower than
90% of the 488 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.69 vs. KFFB: 48.66 )
Ranked among companies with meaningful Shiller PE Ratio only.
KFFB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 37.65  Med: 42.95 Max: 885
Current: 48.66
37.65
885

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.15
KFFB's Dividend Yield % is ranked higher than
74% of the 2308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. KFFB: 4.15 )
Ranked among companies with meaningful Dividend Yield % only.
KFFB' s Dividend Yield % Range Over the Past 10 Years
Min: 2.82  Med: 4.37 Max: 6.29
Current: 4.15
2.82
6.29
Dividend Payout Ratio 2.86
KFFB's Dividend Payout Ratio is ranked lower than
99% of the 1308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. KFFB: 2.86 )
Ranked among companies with meaningful Dividend Payout Ratio only.
KFFB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 1.08  Med: 1.98 Max: 8
Current: 2.86
1.08
8
Forward Dividend Yield % 4.15
KFFB's Forward Dividend Yield % is ranked higher than
71% of the 2276 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.87 vs. KFFB: 4.15 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.15
KFFB's 5-Year Yield-on-Cost % is ranked higher than
63% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. KFFB: 4.15 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
KFFB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.82  Med: 4.37 Max: 6.29
Current: 4.15
2.82
6.29
3-Year Average Share Buyback Ratio 0.40
KFFB's 3-Year Average Share Buyback Ratio is ranked higher than
80% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. KFFB: 0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
KFFB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -84.4  Med: 0.4 Max: 0
Current: 0.4
-84.4
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.55
KFFB's Price-to-Tangible-Book is ranked lower than
66% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. KFFB: 1.55 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
KFFB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.24  Med: 1.61 Max: 2.3
Current: 1.55
1.24
2.3
Price-to-Intrinsic-Value-Projected-FCF 1.08
KFFB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
75% of the 895 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. KFFB: 1.08 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
KFFB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.77  Med: 0.94 Max: 1.67
Current: 1.08
0.77
1.67
Price-to-Median-PS-Value 0.93
KFFB's Price-to-Median-PS-Value is ranked higher than
76% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. KFFB: 0.93 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
KFFB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.62  Med: 1.09 Max: 3.69
Current: 0.93
0.62
3.69
Price-to-Graham-Number 2.17
KFFB's Price-to-Graham-Number is ranked lower than
97% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. KFFB: 2.17 )
Ranked among companies with meaningful Price-to-Graham-Number only.
KFFB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.13  Med: 1.77 Max: 11.25
Current: 2.17
1.13
11.25
Earnings Yield (Greenblatt) % 1.42
KFFB's Earnings Yield (Greenblatt) % is ranked lower than
73% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.77 vs. KFFB: 1.42 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
KFFB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 2 Max: 6
Current: 1.42
0.5
6
Forward Rate of Return (Yacktman) % -5.40
KFFB's Forward Rate of Return (Yacktman) % is ranked lower than
86% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.32 vs. KFFB: -5.40 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
KFFB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -13.5  Med: 9.8 Max: 33.5
Current: -5.4
-13.5
33.5

More Statistics

Revenue (TTM) (Mil) $10.32
EPS (TTM) $ 0.14
Beta0.33
Short Percentage of Float0.28%
52-Week Range $8.00 - 10.15
Shares Outstanding (Mil)8.48
» More Articles for KFFB

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