KFFB (Kentucky First Federal Bancorp) LT-Debt-to-Total-Asset: 0.13 (As of Mar. 2026)

What is Kentucky First Federal Bancorp LT-Debt-to-Total-Asset?

Kentucky First Federal Bancorp KFFB +0.39% 55 LT-Debt-to-Total-Asset is 0.13 as of Mar. 2026. GuruFocus rates KFFB with a GF Score™ of 55/100 and a GF Value™ of $4.92 (Fairly Valued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Kentucky First Federal Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.13.

Kentucky First Federal Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.14) to Mar. 2026 (0.13). It may suggest that Kentucky First Federal Bancorp is progressively becoming less dependent on debt to grow their business.

Kentucky First Federal Bancorp (NAS:KFFB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Kentucky First Federal Bancorp LT-Debt-to-Total-Asset Related Terms

Kentucky First Federal Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Kentucky First Federal Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Kentucky First Federal Bancorp Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

LT-Debt-to-Total-Asset

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0.17

0.10

0.20

0.18

0.12

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.14	0.12	0.12	0.14	0.13

55GF Score

Kentucky First Federal Bancorp KFFB

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Kentucky First Federal Bancorp LT-Debt-to-Total-Asset Calculation

Kentucky First Federal Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )	/	Total Assets (A: Jun. 2025 )
	=	42.76	/	371.211
	=	0.12

Kentucky First Federal Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	48.937	/	374.541
	=	0.13

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.13 mean?

Kentucky First Federal Bancorp (KFFB) has a LT-Debt-to-Total-Asset of 0.13 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Kentucky First Federal Bancorp and its competitors.

Is Kentucky First Federal Bancorp's LT-Debt-to-Total-Asset too high?

Kentucky First Federal Bancorp's current LT-Debt-to-Total-Asset is 0.13. Overall, Kentucky First Federal Bancorp has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Kentucky First Federal Bancorp's LT-Debt-to-Total-Asset compare to ANDC and FMFP?

Kentucky First Federal Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Kentucky First Federal Bancorp and its competitors. Kentucky First Federal Bancorp's current LT-Debt-to-Total-Asset 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 $5.08 — trading 3.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.13. Kentucky First Federal Bancorp's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current LT-Debt-to-Total-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 $5.08 is trading 3.3% above its estimated GF Value™ of $4.92. GuruFocus considers Kentucky First Federal Bancorp to be Fairly Valued.

Key valuation signals for KFFB:

LT-Debt-to-Total-Asset: 0.13
GF Value™: $4.92 vs. price of $5.08 (3.3% above fair value)
GF Score™: 55/100 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

Industry Financial Services Banks

Comparable Companies ANDC FMFP EXCH TMAK SOUB ESBS SCYT HFBA HCBC PNBI SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 655 Main Street, Hazard, KY, USA, 41702

Website https://www.ffsbky.bank

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.

55GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.08

Price

$4.92

GF Value

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