KFFB (Kentucky First Federal Bancorp) Cyclically Adjusted FCF per Share: $0.13 (As of Mar. 2026)


KFFB Kentucky First Federal Bancorp KFFB
56 GF Score
Price $4.90
GF Value $4.92
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Kentucky First Federal Bancorp Cyclically Adjusted FCF per Share?

Kentucky First Federal Bancorp KFFB +0.10% 56 Cyclically Adjusted FCF per Share is $0.13 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Kentucky First Federal Bancorp's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.102. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $0.13 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Kentucky First Federal Bancorp's average Cyclically Adjusted FCF Growth Rate was 8.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -19.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -11.30% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was -4.80% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Kentucky First Federal Bancorp was 2.80% per year. The lowest was -19.60% per year. And the median was -1.40% per year.

As of today (2026-07-07), Kentucky First Federal Bancorp's current stock price is $4.90. Kentucky First Federal Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $0.13. Kentucky First Federal Bancorp's Cyclically Adjusted Price-to-FCF of today is 37.69.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Kentucky First Federal Bancorp was 41.37. The lowest was 17.00. And the median was 30.78.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Kentucky First Federal Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=4.90/0.13
=37.69

* 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 Price-to-FCF of Kentucky First Federal Bancorp was 41.37. The lowest was 17.00. And the median was 30.78.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Kentucky First Federal Bancorp Cyclically Adjusted FCF per Share Related Terms


Kentucky First Federal Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Kentucky First Federal Bancorp's Cyclically Adjusted FCF 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 FCF per Share Chart

Kentucky First Federal Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.22 0.25 0.21 0.16 0.13

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 FCF 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 0.12 0.13 0.13 0.12 0.13

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

For the Banks - Regional subindustry, Kentucky First Federal Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

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

* The bar in red indicates where Kentucky First Federal Bancorp's Cyclically Adjusted Price-to-FCF falls into.


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

Kentucky First Federal Bancorp Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.102/330.2130*330.2130
=0.102

Current CPI (Mar. 2026) = 330.2130.

Kentucky First Federal Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.030 241.018 -0.041
201609 0.062 241.428 0.085
201612 0.063 241.432 0.086
201703 0.055 243.801 0.074
201706 0.057 244.955 0.077
201709 0.058 246.819 0.078
201712 0.059 246.524 0.079
201803 0.013 249.554 0.017
201806 -0.010 251.989 -0.013
201809 0.046 252.439 0.060
201812 0.004 251.233 0.005
201903 0.039 254.202 0.051
201906 0.014 256.143 0.018
201909 -0.004 256.759 -0.005
201912 0.082 256.974 0.105
202003 0.019 258.115 0.024
202006 0.010 257.797 0.013
202009 0.029 260.280 0.037
202012 -0.022 260.474 -0.028
202103 0.138 264.877 0.172
202106 0.035 271.696 0.043
202109 0.252 274.310 0.303
202112 -0.089 278.802 -0.105
202203 -0.040 287.504 -0.046
202206 0.180 296.311 0.201
202209 0.045 296.808 0.050
202212 0.039 296.797 0.043
202303 0.024 301.836 0.026
202306 0.018 305.109 0.019
202309 -0.073 307.789 -0.078
202312 -0.067 306.746 -0.072
202403 -0.024 312.332 -0.025
202406 -0.024 314.175 -0.025
202409 -0.174 315.301 -0.182
202412 0.169 315.605 0.177
202503 -0.027 319.799 -0.028
202506 0.003 322.561 0.003
202509 0.055 324.800 0.056
202512 -0.045 324.054 -0.046
202603 0.102 330.213 0.102

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $0.13 mean?
Kentucky First Federal Bancorp (KFFB) has a Cyclically Adjusted FCF per Share of $0.13 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF 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 FCF per Share too high?
Kentucky First Federal Bancorp's current Cyclically Adjusted FCF per Share is $0.13. 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 FCF per Share compare to ANDC and FMFP?
Kentucky First Federal Bancorp's Cyclically Adjusted FCF per Share of $0.13 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF 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 FCF per Share is $0.13. 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 $4.90 — trading 0.4% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $0.13. 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current Cyclically Adjusted FCF per Share is $0.13 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 undervalued. The current stock price of $4.90 is trading 0.4% below its estimated GF Value™ of $4.92. GuruFocus considers Kentucky First Federal Bancorp to be Fairly Valued.

Key valuation signals for KFFB:

  • Cyclically Adjusted FCF per Share: $0.13
  • GF Value™: $4.92 vs. price of $4.90 (0.4% below 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 FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.90
Price
$4.92
GF Value