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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:OTCPK:SFDL, NAS:PBBI, NAS:HMNF, NAS:MSBF, NAS:IROQ, AMEX:BKJ, NAS:PBSK, NAS:UCBA, NAS:LSBK, NAS:HFBC, NAS:ANCB, OTCPK:GRRB, NAS:PBHC, NAS:FCAP, OTCPK:BHWB, OTCBB:NWIN, NAS:HFBL, NAS:JXSB, NAS:FSBK, NAS:WAYN » 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
P/E(ttm) 71.43
KFFB's P/E(ttm) is ranked lower than
97% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. KFFB: 71.43 )
Ranked among companies with meaningful P/E(ttm) only.
KFFB' s P/E(ttm) Range Over the Past 10 Years
Min: 21.19  Med: 46.42 Max: 1306
Current: 71.43
21.19
1306
PE(NRI) 71.43
KFFB's PE(NRI) is ranked lower than
96% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.53 vs. KFFB: 71.43 )
Ranked among companies with meaningful PE(NRI) only.
KFFB' s PE(NRI) Range Over the Past 10 Years
Min: 21.19  Med: 46.42 Max: 1306
Current: 71.43
21.19
1306
Price/Owner Earnings (ttm) 95.24
KFFB's Price/Owner Earnings (ttm) is ranked lower than
97% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.84 vs. KFFB: 95.24 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
KFFB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 16.03  Med: 37.87 Max: 119.82
Current: 95.24
16.03
119.82
P/B 1.25
KFFB's P/B is ranked lower than
54% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. KFFB: 1.25 )
Ranked among companies with meaningful P/B only.
KFFB' s P/B Range Over the Past 10 Years
Min: 0.84  Med: 1.19 Max: 1.91
Current: 1.25
0.84
1.91
P/S 8.09
KFFB's P/S is ranked lower than
92% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. KFFB: 8.09 )
Ranked among companies with meaningful P/S only.
KFFB' s P/S Range Over the Past 10 Years
Min: 5.02  Med: 8.5 Max: 16.38
Current: 8.09
5.02
16.38
PFCF 94.34
KFFB's PFCF is ranked lower than
95% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.80 vs. KFFB: 94.34 )
Ranked among companies with meaningful PFCF only.
KFFB' s PFCF Range Over the Past 10 Years
Min: 11.34  Med: 52.94 Max: 328.21
Current: 94.34
11.34
328.21
POCF 73.00
KFFB's POCF is ranked lower than
95% of the 933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. KFFB: 73.00 )
Ranked among companies with meaningful POCF only.
KFFB' s POCF Range Over the Past 10 Years
Min: 10.85  Med: 42.41 Max: 191.85
Current: 73
10.85
191.85
EV-to-EBIT 72.08
KFFB's EV-to-EBIT is ranked lower than
96% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. KFFB: 72.08 )
Ranked among companies with meaningful EV-to-EBIT only.
KFFB' s EV-to-EBIT Range Over the Past 10 Years
Min: 16.6  Med: 50.55 Max: 182.3
Current: 72.08
16.6
182.3
EV-to-EBITDA 59.77
KFFB's EV-to-EBITDA is ranked lower than
95% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.35 vs. KFFB: 59.77 )
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: 59.77
15.7
143.8
Shiller P/E 50.42
KFFB's Shiller P/E is ranked lower than
90% of the 489 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.50 vs. KFFB: 50.42 )
Ranked among companies with meaningful Shiller P/E only.
KFFB' s Shiller P/E Range Over the Past 10 Years
Min: 37.65  Med: 42.75 Max: 885
Current: 50.42
37.65
885

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.00
KFFB's Dividend Yield is ranked higher than
73% of the 2302 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. KFFB: 4.00 )
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
2.82
6.29
Dividend Payout 2.86
KFFB's Dividend Payout is ranked lower than
99% of the 1292 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. KFFB: 2.86 )
Ranked among companies with meaningful Dividend Payout only.
KFFB' s Dividend Payout Range Over the Past 10 Years
Min: 1.08  Med: 1.98 Max: 8
Current: 2.86
1.08
8
Forward Dividend Yield 4.00
KFFB's Forward Dividend Yield is ranked higher than
70% of the 2243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. KFFB: 4.00 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.00
KFFB's Yield on cost (5-Year) is ranked higher than
59% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. KFFB: 4.00 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
KFFB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.82  Med: 4.37 Max: 6.29
Current: 4
2.82
6.29
3-Year Average Share Buyback Ratio 0.40
KFFB's 3-Year Average Share Buyback Ratio is ranked higher than
81% of the 1063 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 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/Tangible Book 1.60
KFFB's Price/Tangible Book is ranked lower than
65% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. KFFB: 1.60 )
Ranked among companies with meaningful Price/Tangible Book only.
KFFB' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.24  Med: 1.61 Max: 2.3
Current: 1.6
1.24
2.3
Price/Projected FCF 1.12
KFFB's Price/Projected FCF is ranked lower than
72% of the 911 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. KFFB: 1.12 )
Ranked among companies with meaningful Price/Projected FCF only.
KFFB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.77  Med: 0.94 Max: 1.67
Current: 1.12
0.77
1.67
Price/Median PS Value 0.95
KFFB's Price/Median PS Value is ranked higher than
75% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. KFFB: 0.95 )
Ranked among companies with meaningful Price/Median PS Value only.
KFFB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.61  Med: 1.08 Max: 3.64
Current: 0.95
0.61
3.64
Price/Graham Number 2.25
KFFB's Price/Graham Number is ranked lower than
96% of the 1465 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. KFFB: 2.25 )
Ranked among companies with meaningful Price/Graham Number only.
KFFB' s Price/Graham Number Range Over the Past 10 Years
Min: 1.13  Med: 1.77 Max: 11.25
Current: 2.25
1.13
11.25
Earnings Yield (Greenblatt) (%) 1.40
KFFB's Earnings Yield (Greenblatt) (%) is ranked lower than
72% of the 1696 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. KFFB: 1.40 )
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: 1.4
0.5
6
Forward Rate of Return (Yacktman) (%) -5.48
KFFB's Forward Rate of Return (Yacktman) (%) is ranked lower than
86% of the 893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.05 vs. KFFB: -5.48 )
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: 9.9 Max: 33.5
Current: -5.48
-13.5
33.5

More Statistics

Revenue (TTM) (Mil) $10.32
EPS (TTM) $ 0.14
Beta0.33
Short Percentage of Float0.11%
52-Week Range $8.00 - 10.15
Shares Outstanding (Mil)8.48
» More Articles for NAS:KFFB

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