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Kentucky First Federal BancorpKFFB -1.80%50 Equity-to-Asset is 0.13 as of Mar. 2026, which is 19% below its 10-year median of 0.16. GuruFocus rates KFFB with a GF Score™ of 50/100 and a GF Value™ of $4.90 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Kentucky First Federal Bancorp ranks better than 83.2% on this metric.
Kentucky First Federal Bancorp (NAS:KFFB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Kentucky First Federal Bancorp Equity-to-Asset Related Terms
Kentucky First Federal Bancorp Equity-to-Asset Historical Data
* 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 Equity-to-Asset Chart
KFFB vs PNBI, IBWC, CYSM: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Kentucky First Federal Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Kentucky First Federal Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Kentucky First Federal Bancorp's Equity-to-Asset falls into.
Kentucky First Federal Bancorp Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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 (KFFB) has a Equity-to-Asset of 0.13 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Kentucky First Federal Bancorp and its competitors. This is 19% below median its historical median of 0.16. Over the past decade, Kentucky First Federal Bancorp's Equity-to-Asset has ranged from 0.13 to 0.23. According to the industry distribution chart, Kentucky First Federal Bancorp ranks #256 out of 1524 companies in the Banks industry, placing it in the top 16.8%.
Is Kentucky First Federal Bancorp's Equity-to-Asset too high?
Kentucky First Federal Bancorp's current Equity-to-Asset of 0.13 is 19% below median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.23. The Banks industry median Equity-to-Asset is 0.10. Kentucky First Federal Bancorp's value of 0.13 is 30% above this industry median. Based on the distribution chart, Kentucky First Federal Bancorp ranks #256 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Kentucky First Federal Bancorp has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Kentucky First Federal Bancorp's Equity-to-Asset compare to PNBI and IBWC?
According to the Banks industry distribution chart, Kentucky First Federal Bancorp ranks #256 out of 1524 companies for Equity-to-Asset. This places Kentucky First Federal Bancorp in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Kentucky First Federal Bancorp's value of 0.13 is 30% above this benchmark. Historically, Kentucky First Federal Bancorp's own Equity-to-Asset has ranged from 0.13 to 0.23 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.10, Kentucky First Federal Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kentucky First Federal Bancorp's current Equity-to-Asset of 0.13 is 30% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Kentucky First Federal Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kentucky First Federal Bancorp's current Equity-to-Asset is 0.13, which is 19% below median its own 10-year median of 0.16. 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 Modestly Overvalued. The stock's GF Value™ is $4.90, compared to a current price of $5.57 — trading 13.7% above its estimated fair value. The current Equity-to-Asset is 0.13, which is 19% below median its 10-year median of 0.16 and 30% above the Banks industry median of 0.10. Kentucky First Federal Bancorp's overall GF Score™ is 50/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current Equity-to-Asset 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 overvalued.
The current stock price of $5.57 is trading 13.7% above its estimated GF Value™ of $4.90.
GuruFocus considers Kentucky First Federal Bancorp to be Modestly Overvalued.
Key valuation signals for KFFB:
Equity-to-Asset: 0.13 (19% below median its 10-year median of 0.16)
GF Value™: $4.90 vs. price of $5.57 (13.7% above fair value)
Industry Position: 30% above the Banks median (#256 of 1524)
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 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.
50GF Score
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