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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 0.33
KFFB's Cash to Debt is ranked lower than
70% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. KFFB: 0.33 )
Ranked among companies with meaningful Cash to Debt only.
KFFB' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.26 Max: N/A
Current: 0.33
Equity to Asset 0.22
KFFB's Equity to Asset is ranked higher than
92% of the 1578 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 2.03
KFFB's Interest Coverage is ranked higher than
57% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. KFFB: 2.03 )
Ranked among companies with meaningful Interest Coverage only.
KFFB' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.48 Max: 2.51
Current: 2.03
0.12
2.51
F-Score: 6
WACC vs ROIC
3.26%
2.35%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 25.89
KFFB's Operating margin (%) is ranked lower than
60% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. KFFB: 25.89 )
Ranked among companies with meaningful Operating margin (%) only.
KFFB' s Operating margin (%) Range Over the Past 10 Years
Min: 9.03  Med: 25.62 Max: 35.81
Current: 25.89
9.03
35.81
Net-margin (%) 18.14
KFFB's Net-margin (%) is ranked lower than
62% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. KFFB: 18.14 )
Ranked among companies with meaningful Net-margin (%) only.
KFFB' s Net-margin (%) Range Over the Past 10 Years
Min: 6  Med: 17.19 Max: 24.72
Current: 18.14
6
24.72
ROE (%) 2.99
KFFB's ROE (%) is ranked lower than
83% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. KFFB: 2.99 )
Ranked among companies with meaningful ROE (%) only.
KFFB' s ROE (%) Range Over the Past 10 Years
Min: 0.69  Med: 2.67 Max: 4.65
Current: 2.99
0.69
4.65
ROA (%) 0.67
KFFB's ROA (%) is ranked lower than
58% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. KFFB: 0.67 )
Ranked among companies with meaningful ROA (%) only.
KFFB' s ROA (%) Range Over the Past 10 Years
Min: 0.17  Med: 0.61 Max: 1.07
Current: 0.67
0.17
1.07
Revenue Growth (3Y)(%) 8.30
KFFB's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. KFFB: 8.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
KFFB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.15 Max: 18.5
Current: 8.3
0
18.5
EBITDA Growth (3Y)(%) 1.70
KFFB's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. KFFB: 1.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
KFFB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -5.45 Max: 67.1
Current: 1.7
0
67.1
EPS Growth (3Y)(%) 3.00
KFFB's EPS Growth (3Y)(%) is ranked lower than
60% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. KFFB: 3.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
KFFB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -17.15 Max: 90.6
Current: 3
0
90.6
» 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) 34.01
KFFB's P/E(ttm) is ranked lower than
93% of the 2083 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.50 vs. KFFB: 34.01 )
Ranked among companies with meaningful P/E(ttm) only.
KFFB' s P/E(ttm) Range Over the Past 10 Years
Min: 21.19  Med: 48.61 Max: 1306
Current: 34.01
21.19
1306
PE(NRI) 35.36
KFFB's PE(NRI) is ranked lower than
92% of the 1535 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.30 vs. KFFB: 35.36 )
Ranked among companies with meaningful PE(NRI) only.
KFFB' s PE(NRI) Range Over the Past 10 Years
Min: 21.19  Med: 48.64 Max: 1306
Current: 35.36
21.19
1306
P/B 1.09
KFFB's P/B is ranked lower than
63% of the 2114 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. KFFB: 1.09 )
Ranked among companies with meaningful P/B only.
KFFB' s P/B Range Over the Past 10 Years
Min: 0.84  Med: 1.24 Max: 1.91
Current: 1.09
0.84
1.91
P/S 6.47
KFFB's P/S is ranked lower than
94% of the 2513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. KFFB: 6.47 )
Ranked among companies with meaningful P/S only.
KFFB' s P/S Range Over the Past 10 Years
Min: 4.98  Med: 10.35 Max: 26.74
Current: 6.47
4.98
26.74
PFCF 44.20
KFFB's PFCF is ranked lower than
95% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.54 vs. KFFB: 44.20 )
Ranked among companies with meaningful PFCF only.
KFFB' s PFCF Range Over the Past 10 Years
Min: 11.36  Med: 47.24 Max: 339.33
Current: 44.2
11.36
339.33
POCF 23.89
KFFB's POCF is ranked lower than
90% of the 1445 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.26 vs. KFFB: 23.89 )
Ranked among companies with meaningful POCF only.
KFFB' s POCF Range Over the Past 10 Years
Min: 10.78  Med: 41.87 Max: 207.83
Current: 23.89
10.78
207.83
EV-to-EBIT 29.35
KFFB's EV-to-EBIT is ranked lower than
84% of the 2044 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.62 vs. KFFB: 29.35 )
Ranked among companies with meaningful EV-to-EBIT only.
KFFB' s EV-to-EBIT Range Over the Past 10 Years
Min: 16.6  Med: 50.00 Max: 182.3
Current: 29.35
16.6
182.3
EV-to-EBITDA 26.92
KFFB's EV-to-EBITDA is ranked lower than
86% of the 2053 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.33 vs. KFFB: 26.92 )
Ranked among companies with meaningful EV-to-EBITDA only.
KFFB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 15.7  Med: 46.30 Max: 143.8
Current: 26.92
15.7
143.8
PEG 1.60
KFFB's PEG is ranked lower than
68% of the 653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. KFFB: 1.60 )
Ranked among companies with meaningful PEG only.
KFFB' s PEG Range Over the Past 10 Years
Min: 0.94  Med: 2.19 Max: 1088.33
Current: 1.6
0.94
1088.33
Shiller P/E 44.28
KFFB's Shiller P/E is ranked lower than
92% of the 557 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.24 vs. KFFB: 44.28 )
Ranked among companies with meaningful Shiller P/E only.
KFFB' s Shiller P/E Range Over the Past 10 Years
Min: 37.65  Med: 42.25 Max: 50
Current: 44.28
37.65
50

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.52
KFFB's Dividend Yield is ranked higher than
70% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. KFFB: 4.52 )
Ranked among companies with meaningful Dividend Yield only.
KFFB' s Dividend Yield Range Over the Past 10 Years
Min: 0.87  Med: 4.23 Max: 6.29
Current: 4.52
0.87
6.29
Dividend Payout 1.52
KFFB's Dividend Payout is ranked lower than
97% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. KFFB: 1.52 )
Ranked among companies with meaningful Dividend Payout only.
KFFB' s Dividend Payout Range Over the Past 10 Years
Min: 0.83  Med: 2.00 Max: 5
Current: 1.52
0.83
5
Forward Dividend Yield 4.37
KFFB's Forward Dividend Yield is ranked higher than
69% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. KFFB: 4.37 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.37
KFFB's Yield on cost (5-Year) is ranked higher than
61% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. KFFB: 4.37 )
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: 0.87  Med: 4.23 Max: 6.29
Current: 4.37
0.87
6.29
3-Year Average Share Buyback Ratio -3.40
KFFB's 3-Year Average Share Buyback Ratio is ranked lower than
59% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. KFFB: -3.40 )
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: -3.7  Med: 1.45 Max: 0
Current: -3.4
-3.7
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.13
KFFB's Price/Tangible Book is ranked lower than
56% of the 1932 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. KFFB: 1.13 )
Ranked among companies with meaningful Price/Tangible Book only.
KFFB' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.25  Med: 1.64 Max: 2.3
Current: 1.13
1.25
2.3
Price/Projected FCF 0.92
KFFB's Price/Projected FCF is ranked lower than
74% of the 1071 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.64 vs. KFFB: 0.92 )
Ranked among companies with meaningful Price/Projected FCF only.
KFFB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.8  Med: 0.98 Max: 1.79
Current: 0.92
0.8
1.79
Price/Median PS Value 0.65
KFFB's Price/Median PS Value is ranked higher than
84% of the 1761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. KFFB: 0.65 )
Ranked among companies with meaningful Price/Median PS Value only.
KFFB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.5  Med: 0.99 Max: 2.5
Current: 0.65
0.5
2.5
Price/Peter Lynch Fair Value 4.24
KFFB's Price/Peter Lynch Fair Value is ranked lower than
99% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. KFFB: 4.24 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
KFFB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.98  Med: 1.91 Max: 49.96
Current: 4.24
0.98
49.96
Price/Graham Number 1.54
KFFB's Price/Graham Number is ranked lower than
88% of the 1720 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. KFFB: 1.54 )
Ranked among companies with meaningful Price/Graham Number only.
KFFB' s Price/Graham Number Range Over the Past 10 Years
Min: 1.13  Med: 1.95 Max: 11.25
Current: 1.54
1.13
11.25
Earnings Yield (Greenblatt) (%) 3.39
KFFB's Earnings Yield (Greenblatt) (%) is ranked lower than
76% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. KFFB: 3.39 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
KFFB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 2.00 Max: 6
Current: 3.39
0.5
6
Forward Rate of Return (Yacktman) (%) 12.13
KFFB's Forward Rate of Return (Yacktman) (%) is ranked lower than
57% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. KFFB: 12.13 )
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: -14.7  Med: 12.15 Max: 32.7
Current: 12.13
-14.7
32.7

More Statistics

Revenue(Mil) $11
EPS $ 0.25
Beta0.16
Short Percentage of Float0.06%
52-Week Range $7.95 - 10.37
Shares Outstanding(Mil)8.44

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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