Kentucky First Federal BancorpKFFB 56 PB Ratio is 0.79 as of Jun. 25, 2026, which is 20% below its 10-year median of 0.99. 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. Among 1,515 Banks companies, Kentucky First Federal Bancorp ranks better than 73.99% on this metric.
Kentucky First Federal Bancorp stock PB Ratio (=0.79) is close to 2-year high of 0.81.
The historical rank and industry rank for Kentucky First Federal Bancorp's PB Ratio or its related term are showing as below:
KFFB'
s PB Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.99 Max: 1.36
Current: 0.79
During the past 13 years, Kentucky First Federal Bancorp's highest PB Ratio was 1.36. The lowest was 0.41. And the median was 0.99.
KFFB's PB Ratio is ranked better than 73.99% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs KFFB: 0.79
During the past 12 months, Kentucky First Federal Bancorp's average Book Value Per Share Growth Rate was 3.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -2.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -1.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -3.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Kentucky First Federal Bancorp was 30.60% per year. The lowest was -7.50% per year. And the median was 0.15% per year.
Back to Basics: PB Ratio
Kentucky First Federal Bancorp (NAS:KFFB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Kentucky First Federal Bancorp PB Ratio Related Terms
Kentucky First Federal Bancorp PB Ratio 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.
For the Banks - Regional subindustry, Kentucky First Federal Bancorp's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Kentucky First Federal Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Kentucky First Federal Bancorp's PB Ratio falls into.
Kentucky First Federal Bancorp PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Kentucky First Federal Bancorp (KFFB) has a PB Ratio of 0.79 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Kentucky First Federal Bancorp and its competitors. This is 20% below median its historical median of 0.99. Over the past decade, Kentucky First Federal Bancorp's PB Ratio has ranged from 0.41 to 1.36. According to the industry distribution chart, Kentucky First Federal Bancorp ranks #394 out of 1515 companies in the Banks industry, placing it in the top 26%.
Is Kentucky First Federal Bancorp's PB Ratio too high?
Kentucky First Federal Bancorp's current PB Ratio of 0.79 is 20% below median its 10-year median of 0.99. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.36. The Banks industry median PB Ratio is 1.08. Kentucky First Federal Bancorp's value of 0.79 is 26.9% below this industry median. Based on the distribution chart, Kentucky First Federal Bancorp ranks #394 out of 1515 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 PB Ratio compare to HFBA and EXCH?
According to the Banks industry distribution chart, Kentucky First Federal Bancorp ranks #394 out of 1515 companies for PB Ratio. This puts Kentucky First Federal Bancorp in the upper half of its industry. The industry median PB Ratio is 1.08. Kentucky First Federal Bancorp's value of 0.79 is 26.9% below this benchmark. Historically, Kentucky First Federal Bancorp's own PB Ratio has ranged from 0.41 to 1.36 over the past decade. While the company's 10-year median is 0.99 vs. the industry median of 1.08, Kentucky First Federal Bancorp has consistently been below 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kentucky First Federal Bancorp's current PB Ratio of 0.79 is 26.9% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Kentucky First Federal Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kentucky First Federal Bancorp's current PB Ratio is 0.79, which is 20% below median its own 10-year median of 0.99. 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 PB Ratio is 0.79, which is 20% below median its 10-year median of 0.99 and 26.9% below the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current PB Ratio is 0.79 as of Jun. 25, 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:
PB Ratio: 0.79 (20% below median its 10-year median of 0.99)
GF Value™: $4.92 vs. price of $4.84 (1.6% below fair value)
Industry Position: 26.9% below the Banks median (#394 of 1515)
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
Get the complete analysis for KFFB
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KFFB has been successfully added to your 
