KFFB (Kentucky First Federal Bancorp) E10: $-0.09 (As of Mar. 2026)


KFFB Kentucky First Federal Bancorp KFFB
56 GF Score
Price $4.84
GF Value $4.92
Valuation Fairly Valued
! 4 Warning Signs
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What is Kentucky First Federal Bancorp E10?

Kentucky First Federal Bancorp KFFB -0.31% 56 E10 is $-0.09 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 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Kentucky First Federal Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.070. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $-0.09 for the trailing ten years ended in Mar. 2026.

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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Kentucky First Federal Bancorp was 1.70% per year. The lowest was -42.50% per year. And the median was -18.50% per year.

As of today (2026-06-25), Kentucky First Federal Bancorp's current stock price is $4.84. Kentucky First Federal Bancorp's E10 for the quarter that ended in Mar. 2026 was $-0.09. Kentucky First Federal Bancorp's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of Kentucky First Federal Bancorp was 639.12. The lowest was 24.32. And the median was 48.51.


Kentucky First Federal Bancorp  (NAS:KFFB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

During the past 13 years, the highest Shiller P/E Ratio of Kentucky First Federal Bancorp was 639.12. The lowest was 24.32. And the median was 48.51.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Kentucky First Federal Bancorp E10 Related Terms


Kentucky First Federal Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Kentucky First Federal Bancorp's E10 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 E10 Chart

Kentucky First Federal Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.05 0.04 0.01 -0.04 -0.08

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
E10 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 0.00 -0.08 -0.09 -0.09 -0.09

KFFB vs HFBA, EXCH, SCYT: E10 Comparison

For the Banks - Regional subindustry, Kentucky First Federal Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Kentucky First Federal Bancorp's Shiller PE Ratio falls into.


KFFB
56GF Score
Kentucky First Federal Bancorp KFFB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kentucky First Federal Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.07/330.2130*330.2130
=0.070

Current CPI (Mar. 2026) = 330.2130.

Kentucky First Federal Bancorp Quarterly Data

per share eps CPI Adj_EPS
201606 0.050 241.018 0.069
201609 0.040 241.428 0.055
201612 0.030 241.432 0.041
201703 0.020 243.801 0.027
201706 0.020 244.955 0.027
201709 0.030 246.819 0.040
201712 0.110 246.524 0.147
201803 0.020 249.554 0.026
201806 0.001 251.989 0.001
201809 0.020 252.439 0.026
201812 0.020 251.233 0.026
201903 0.020 254.202 0.026
201906 0.040 256.143 0.052
201909 0.030 256.759 0.039
201912 0.030 256.974 0.039
202003 0.030 258.115 0.038
202006 -1.610 257.797 -2.062
202009 0.040 260.280 0.051
202012 0.040 260.474 0.051
202103 0.060 264.877 0.075
202106 0.080 271.696 0.097
202109 0.070 274.310 0.084
202112 0.060 278.802 0.071
202203 0.040 287.504 0.046
202206 0.020 296.311 0.022
202209 0.050 296.808 0.056
202212 0.040 296.797 0.045
202303 0.020 301.836 0.022
202306 0.005 305.109 0.005
202309 -0.022 307.789 -0.024
202312 -0.050 306.746 -0.054
202403 -0.010 312.332 -0.011
202406 -0.130 314.175 -0.137
202409 0.000 315.301 0.000
202412 0.000 315.605 0.000
202503 0.000 319.799 0.000
202506 0.020 322.561 0.020
202509 0.040 324.800 0.041
202512 0.040 324.054 0.041
202603 0.070 330.213 0.070

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $-0.09 mean?
Kentucky First Federal Bancorp (KFFB) has a E10 of $-0.09 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Kentucky First Federal Bancorp and its competitors.
Is Kentucky First Federal Bancorp's E10 too high?
Kentucky First Federal Bancorp's current E10 is $-0.09. 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 E10 compare to HFBA and EXCH?
Kentucky First Federal Bancorp's E10 of $-0.09 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Kentucky First Federal Bancorp and its competitors. Kentucky First Federal Bancorp's current E10 is $-0.09. 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 $4.84 — trading 1.6% below its estimated fair value. The current E10 is $-0.09. Kentucky First Federal Bancorp's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current E10 is $-0.09 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 $4.84 is trading 1.6% below its estimated GF Value™ of $4.92. GuruFocus considers Kentucky First Federal Bancorp to be Fairly Valued.

Key valuation signals for KFFB:

  • E10: $-0.09
  • GF Value™: $4.92 vs. price of $4.84 (1.6% below fair value)
  • GF Score™: 56/100 with 4 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.84
Price
$4.92
GF Value