KFFB (Kentucky First Federal Bancorp) Cyclically Adjusted Book per Share: $8.37 (As of Mar. 2026)


KFFB Kentucky First Federal Bancorp KFFB
56 GF Score
Price $5.06
GF Value $4.92
Valuation Fairly Valued
! 5 Warning Signs
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What is Kentucky First Federal Bancorp Cyclically Adjusted Book per Share?

Kentucky First Federal Bancorp KFFB +1.20% 56 Cyclically Adjusted Book per Share is $8.37 as of Mar. 2026. GuruFocus rates KFFB with a GF Score™ of 56/100 and a GF Value™ of $4.92 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Kentucky First Federal Bancorp's adjusted book value per share for the three months ended in Mar. 2026 was $6.140. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $8.37 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Kentucky First Federal Bancorp's average Cyclically Adjusted Book Growth Rate was -2.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -1.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 0.40% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 0.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Kentucky First Federal Bancorp was 2.20% per year. The lowest was -1.90% per year. And the median was 0.65% per year.

As of today (2026-06-30), Kentucky First Federal Bancorp's current stock price is $5.0601. Kentucky First Federal Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $8.37. Kentucky First Federal Bancorp's Cyclically Adjusted PB Ratio of today is 0.60.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Kentucky First Federal Bancorp was 1.22. The lowest was 0.28. And the median was 0.82.


Kentucky First Federal Bancorp  (NAS:KFFB) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Kentucky First Federal Bancorp's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=5.0601/8.37
=0.60

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Kentucky First Federal Bancorp was 1.22. The lowest was 0.28. And the median was 0.82.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Kentucky First Federal Bancorp Cyclically Adjusted Book per Share Related Terms


Kentucky First Federal Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Kentucky First Federal Bancorp's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Kentucky First Federal Bancorp Cyclically Adjusted Book per Share Chart

Kentucky First Federal Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.59 9.04 8.94 8.77 8.54

Kentucky First Federal Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.58 8.54 8.47 8.33 8.37

KFFB vs ANDC, FMFP, EXCH: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Kentucky First Federal Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Kentucky First Federal Bancorp Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Kentucky First Federal Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Kentucky First Federal Bancorp's Cyclically Adjusted PB Ratio falls into.


KFFB
56GF Score
Kentucky First Federal Bancorp KFFB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Kentucky First Federal Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Kentucky First Federal Bancorp's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=6.14/330.2130*330.2130
=6.140

Current CPI (Mar. 2026) = 330.2130.

Kentucky First Federal Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201606 7.958 241.018 10.903
201609 7.955 241.428 10.880
201612 7.994 241.432 10.934
201703 7.963 243.801 10.785
201706 7.951 244.955 10.718
201709 7.947 246.819 10.632
201712 8.012 246.524 10.732
201803 7.994 249.554 10.578
201806 7.958 251.989 10.428
201809 7.989 252.439 10.450
201812 7.970 251.233 10.476
201903 7.956 254.202 10.335
201906 7.957 256.143 10.258
201909 7.947 256.759 10.220
201912 7.940 256.974 10.203
202003 7.936 258.115 10.153
202006 6.291 257.797 8.058
202009 6.287 260.280 7.976
202012 6.293 260.474 7.978
202103 6.307 264.877 7.863
202106 6.357 271.696 7.726
202109 6.392 274.310 7.695
202112 6.408 278.802 7.590
202203 6.406 287.504 7.358
202206 6.380 296.311 7.110
202209 6.331 296.808 7.044
202212 6.344 296.797 7.058
202303 6.315 301.836 6.909
202306 6.271 305.109 6.787
202309 6.139 307.789 6.586
202312 6.082 306.746 6.547
202403 6.061 312.332 6.408
202406 5.935 314.175 6.238
202409 5.963 315.301 6.245
202412 5.942 315.605 6.217
202503 5.954 319.799 6.148
202506 5.981 322.561 6.123
202509 6.032 324.800 6.133
202512 6.072 324.054 6.187
202603 6.140 330.213 6.140

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $8.37 mean?
Kentucky First Federal Bancorp (KFFB) has a Cyclically Adjusted Book per Share of $8.37 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Kentucky First Federal Bancorp and its competitors.
Is Kentucky First Federal Bancorp's Cyclically Adjusted Book per Share too high?
Kentucky First Federal Bancorp's current Cyclically Adjusted Book per Share is $8.37. Overall, Kentucky First Federal Bancorp has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Kentucky First Federal Bancorp's Cyclically Adjusted Book per Share compare to ANDC and FMFP?
Kentucky First Federal Bancorp's Cyclically Adjusted Book per Share of $8.37 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Kentucky First Federal Bancorp and its competitors. Kentucky First Federal Bancorp's current Cyclically Adjusted Book per Share is $8.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kentucky First Federal Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Kentucky First Federal Bancorp (KFFB) is currently considered Fairly Valued. The stock's GF Value™ is $4.92, compared to a current price of $5.06 — trading 2.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is $8.37. Kentucky First Federal Bancorp's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current Cyclically Adjusted Book per Share is $8.37 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Kentucky First Federal Bancorp (KFFB) Overvalued in 2026?

Based on GuruFocus' analysis, Kentucky First Federal Bancorp stock appears to be overvalued. The current stock price of $5.06 is trading 2.8% above its estimated GF Value™ of $4.92. GuruFocus considers Kentucky First Federal Bancorp to be Fairly Valued.

Key valuation signals for KFFB:

  • Cyclically Adjusted Book per Share: $8.37
  • GF Value™: $4.92 vs. price of $5.06 (2.8% above fair value)
  • GF Score™: 56/100 with 5 warning signs

No single metric tells the full story. See the KFFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Kentucky First Federal Bancorp Business Description

Address 655 Main Street, Hazard, KY, USA, 41702
Kentucky First Federal Bancorp is a holding company. The company, through its subsidiaries, is engaged mainly in the business of accepting deposits from the general public and using such funds to originate loans secured by first mortgages on owner-occupied, residential real estate and other loans secured by real estate. Its primary products and services include Residential mortgage loans, Multi-family loans, Construction loans, and types of deposits etc. The company mainly operates in Perry, Franklin, Boyle, and Garrard and surrounding counties in Kentucky, USA.
56GF Score

Get the complete analysis for KFFB

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.06
Price
$4.92
GF Value