KFFB (Kentucky First Federal Bancorp) Moat Score: 3/10 (As of Jun. 29, 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 Moat Score?

Kentucky First Federal Bancorp KFFB +1.20% 56 Moat Score is 3 as of Jun. 29, 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. Among 1,614 Banks companies, Kentucky First Federal Bancorp ranks better than 74.54% on this metric.

Kentucky First Federal Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Kentucky First Federal Bancorp has No Moat: Kentucky First Federal Bancorp has limited market share and lacks significant customer switching costs or brand strength. The company operates in a highly competitive banking sector with no durable cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Kentucky First Federal Bancorp might have No Moat - Very weak/transient advantages.

Kentucky First Federal Bancorp  (NAS:KFFB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Kentucky First Federal Bancorp Moat Score Related Terms

KFFB vs ANDC, FMFP, EXCH: Moat Score Comparison

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

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

* The bar in red indicates where Kentucky First Federal Bancorp's Moat Score falls into.


KFFB
56GF Score
Kentucky First Federal Bancorp KFFB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Kentucky First Federal Bancorp (KFFB) has a Moat Score of 3 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Kentucky First Federal Bancorp ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Kentucky First Federal Bancorp's Moat Score too high?
Kentucky First Federal Bancorp's current Moat Score is 3. Based on the distribution chart, Kentucky First Federal Bancorp ranks #411 out of 1614 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to ANDC and FMFP?
According to the Banks industry distribution chart, Kentucky First Federal Bancorp ranks #411 out of 1614 companies for Moat Score. This puts Kentucky First Federal Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Kentucky First Federal Bancorp's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current Moat Score is 3 as of Jun. 29, 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:

  • Moat Score: 3
  • 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

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

$5.06
Price
$4.92
GF Value