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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.43
KFFB's Cash to Debt is ranked lower than
71% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. KFFB: 0.43 )
Ranked among companies with meaningful Cash to Debt only.
KFFB' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.23 Max: N/A
Current: 0.43
Equity to Asset 0.23
KFFB's Equity to Asset is ranked higher than
92% of the 1323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. KFFB: 0.23 )
Ranked among companies with meaningful Equity to Asset only.
KFFB' s 10-Year Equity to Asset Range
Min: 0.19  Med: 0.24 Max: 0.27
Current: 0.23
0.19
0.27
Interest Coverage 1.78
KFFB's Interest Coverage is ranked higher than
52% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. KFFB: 1.78 )
Ranked among companies with meaningful Interest Coverage only.
KFFB' s 10-Year Interest Coverage Range
Min: 0.12  Med: 0.48 Max: 2.51
Current: 1.78
0.12
2.51
F-Score: 5
WACC vs ROIC
3.43%
2.56%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 24.98
KFFB's Operating margin (%) is ranked lower than
62% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. KFFB: 24.98 )
Ranked among companies with meaningful Operating margin (%) only.
KFFB' s 10-Year Operating margin (%) Range
Min: -346.28  Med: 24.30 Max: 49.4
Current: 24.98
-346.28
49.4
Net-margin (%) 16.80
KFFB's Net-margin (%) is ranked lower than
66% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. KFFB: 16.80 )
Ranked among companies with meaningful Net-margin (%) only.
KFFB' s 10-Year Net-margin (%) Range
Min: -3044  Med: 21.81 Max: 748.47
Current: 16.8
-3044
748.47
ROE (%) 2.91
KFFB's ROE (%) is ranked lower than
83% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. KFFB: 2.91 )
Ranked among companies with meaningful ROE (%) only.
KFFB' s 10-Year ROE (%) Range
Min: 0.69  Med: 2.89 Max: 4.65
Current: 2.91
0.69
4.65
ROA (%) 0.65
KFFB's ROA (%) is ranked lower than
62% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. KFFB: 0.65 )
Ranked among companies with meaningful ROA (%) only.
KFFB' s 10-Year ROA (%) Range
Min: 0.17  Med: 0.62 Max: 1.07
Current: 0.65
0.17
1.07
ROC (Joel Greenblatt) (%) 63.03
KFFB's ROC (Joel Greenblatt) (%) is ranked lower than
56% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. KFFB: 63.03 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
KFFB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 21.67  Med: 68.76 Max: 158.14
Current: 63.03
21.67
158.14
Revenue Growth (3Y)(%) 10.90
KFFB's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. KFFB: 10.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
KFFB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 2.80 Max: 18.5
Current: 10.9
0
18.5
EBITDA Growth (3Y)(%) 9.40
KFFB's EBITDA Growth (3Y)(%) is ranked higher than
57% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. KFFB: 9.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
KFFB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -12.60 Max: 67.1
Current: 9.4
0
67.1
» KFFB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 35.42
KFFB's P/E(ttm) is ranked lower than
91% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. KFFB: 35.42 )
Ranked among companies with meaningful P/E(ttm) only.
KFFB' s 10-Year P/E(ttm) Range
Min: 21.19  Med: 50.87 Max: 2612
Current: 35.42
21.19
2612
PE(NRI) 36.50
KFFB's PE(NRI) is ranked lower than
91% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. KFFB: 36.50 )
Ranked among companies with meaningful PE(NRI) only.
KFFB' s 10-Year PE(NRI) Range
Min: 21.19  Med: 50.56 Max: 1306
Current: 36.5
21.19
1306
P/B 1.03
KFFB's P/B is ranked higher than
53% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. KFFB: 1.03 )
Ranked among companies with meaningful P/B only.
KFFB' s 10-Year P/B Range
Min: 0.84  Med: 1.24 Max: 1.91
Current: 1.03
0.84
1.91
P/S 5.93
KFFB's P/S is ranked lower than
86% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. KFFB: 5.93 )
Ranked among companies with meaningful P/S only.
KFFB' s 10-Year P/S Range
Min: 5.04  Med: 11.13 Max: 26.74
Current: 5.93
5.04
26.74
PFCF 27.17
KFFB's PFCF is ranked lower than
84% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.27 vs. KFFB: 27.17 )
Ranked among companies with meaningful PFCF only.
KFFB' s 10-Year PFCF Range
Min: 11.36  Med: 49.80 Max: 339.33
Current: 27.17
11.36
339.33
POCF 24.70
KFFB's POCF is ranked lower than
88% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.79 vs. KFFB: 24.70 )
Ranked among companies with meaningful POCF only.
KFFB' s 10-Year POCF Range
Min: 10.78  Med: 42.92 Max: 207.83
Current: 24.7
10.78
207.83
EV-to-EBIT 28.04
KFFB's EV-to-EBIT is ranked lower than
82% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. KFFB: 28.04 )
Ranked among companies with meaningful EV-to-EBIT only.
KFFB' s 10-Year EV-to-EBIT Range
Min: 17.4  Med: 51.80 Max: 182.3
Current: 28.04
17.4
182.3
PEG 1.92
KFFB's PEG is ranked lower than
70% of the 575 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. KFFB: 1.92 )
Ranked among companies with meaningful PEG only.
KFFB' s 10-Year PEG Range
Min: 0.87  Med: 1.68 Max: 236.59
Current: 1.92
0.87
236.59
Shiller P/E 37.31
KFFB's Shiller P/E is ranked lower than
88% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.76 vs. KFFB: 37.31 )
Ranked among companies with meaningful Shiller P/E only.
KFFB' s 10-Year Shiller P/E Range
Min: 35.86  Med: 51.67 Max: 95.92
Current: 37.31
35.86
95.92
Days Sales Outstanding 24.20
KFFB's Days Sales Outstanding is ranked higher than
71% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.98 vs. KFFB: 24.20 )
Ranked among companies with meaningful Days Sales Outstanding only.
KFFB' s 10-Year Days Sales Outstanding Range
Min: 22.35  Med: 34.31 Max: 66.04
Current: 24.2
22.35
66.04

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.85
KFFB's Dividend Yield is ranked higher than
82% of the 2204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. KFFB: 4.85 )
Ranked among companies with meaningful Dividend Yield only.
KFFB' s 10-Year Dividend Yield Range
Min: 0.88  Med: 4.19 Max: 6.29
Current: 4.85
0.88
6.29
Dividend Payout 1.71
KFFB's Dividend Payout is ranked lower than
98% of the 1287 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. KFFB: 1.71 )
Ranked among companies with meaningful Dividend Payout only.
KFFB' s 10-Year Dividend Payout Range
Min: 0.83  Med: 2.00 Max: 5
Current: 1.71
0.83
5
Yield on cost (5-Year) 4.90
KFFB's Yield on cost (5-Year) is ranked higher than
70% of the 2195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. KFFB: 4.90 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
KFFB' s 10-Year Yield on cost (5-Year) Range
Min: 0.88  Med: 4.19 Max: 6.29
Current: 4.9
0.88
6.29
Share Buyback Rate -3.70
KFFB's Share Buyback Rate is ranked lower than
59% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. KFFB: -3.70 )
Ranked among companies with meaningful Share Buyback Rate only.
KFFB' s 10-Year Share Buyback Rate Range
Min: 0  Med: 1.90 Max: -3.7
Current: -3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.33
KFFB's Price/Tangible Book is ranked lower than
60% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. KFFB: 1.33 )
Ranked among companies with meaningful Price/Tangible Book only.
KFFB' s 10-Year Price/Tangible Book Range
Min: 1.25  Med: 1.66 Max: 2.3
Current: 1.33
1.25
2.3
Price/Projected FCF 0.84
KFFB's Price/Projected FCF is ranked lower than
65% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. KFFB: 0.84 )
Ranked among companies with meaningful Price/Projected FCF only.
KFFB' s 10-Year Price/Projected FCF Range
Min: 0.8  Med: 1.03 Max: 1.65
Current: 0.84
0.8
1.65
Price/Median PS Value 0.53
KFFB's Price/Median PS Value is ranked higher than
95% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. KFFB: 0.53 )
Ranked among companies with meaningful Price/Median PS Value only.
KFFB' s 10-Year Price/Median PS Value Range
Min: 0.47  Med: 1.06 Max: 2.34
Current: 0.53
0.47
2.34
Price/Peter Lynch Fair Value 2.28
KFFB's Price/Peter Lynch Fair Value is ranked lower than
90% of the 358 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. KFFB: 2.28 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
KFFB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.94  Med: 1.94 Max: 49.96
Current: 2.28
0.94
49.96
Price/Graham Number 1.46
KFFB's Price/Graham Number is ranked lower than
87% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. KFFB: 1.46 )
Ranked among companies with meaningful Price/Graham Number only.
KFFB' s 10-Year Price/Graham Number Range
Min: 1.18  Med: 2.00 Max: 13.73
Current: 1.46
1.18
13.73
Earnings Yield (Greenblatt) (%) 3.60
KFFB's Earnings Yield (Greenblatt) (%) is ranked lower than
74% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. KFFB: 3.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
KFFB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 1.90 Max: 5.8
Current: 3.6
0.5
5.8
Forward Rate of Return (Yacktman) (%) 19.78
KFFB's Forward Rate of Return (Yacktman) (%) is ranked higher than
65% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. KFFB: 19.78 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
KFFB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -14.7  Med: 11.40 Max: 35.8
Current: 19.78
-14.7
35.8

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
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
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