* 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.
For the Banks - Regional subindustry, Kentucky First Federal Bancorp's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Kentucky First Federal Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Kentucky First Federal Bancorp's OCF Margin % falls into.
* 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 OCF Margin % of 29.47% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Kentucky First Federal Bancorp and its competitors. This is 150% above median its historical median of 11.81. According to the industry distribution chart, Kentucky First Federal Bancorp ranks #1057 out of 1500 companies in the Banks industry, placing it in the top 70.5%.
Is Kentucky First Federal Bancorp's OCF Margin % too high?
Kentucky First Federal Bancorp's current OCF Margin % of 29.47% is 150% above median its 10-year median of 11.81. The Banks industry median OCF Margin % is 29.44. Kentucky First Federal Bancorp's value of 29.47% is 0.1% above this industry median. Based on the distribution chart, Kentucky First Federal Bancorp ranks #1057 out of 1500 companies in the Banks industry, which is below 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 OCF Margin % compare to HFBA and EXCH?
According to the Banks industry distribution chart, Kentucky First Federal Bancorp ranks #1057 out of 1500 companies for OCF Margin %. This places Kentucky First Federal Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.44. Kentucky First Federal Bancorp's value of 29.47% is 0.1% above this benchmark. While the company's 10-year median is 11.81 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kentucky First Federal Bancorp's current OCF Margin % of 29.47% is 0.1% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Kentucky First Federal Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kentucky First Federal Bancorp's current OCF Margin % is 29.47%, which is 150% above median its own 10-year median of 11.81. 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 OCF Margin % is 29.47%, which is 150% above median its 10-year median of 11.81 and 0.1% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current OCF Margin % is 29.47% 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:
OCF Margin %: 29.47% (150% above median its 10-year median of 11.81)
GF Value™: $4.92 vs. price of $4.84 (1.6% below fair value)
Industry Position: 0.1% above the Banks median (#1057 of 1500)
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
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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