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Kentucky First Federal BancorpKFFB +2.09%55 Return-on-Tangible-Asset is 0.62% as of Mar. 2026, which is 100% above its 10-year median of 0.31. GuruFocus rates KFFB with a GF Score™ of 55/100 and a GF Value™ of $4.91 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,529 Banks companies, Kentucky First Federal Bancorp ranks worse than 83.71% on this metric.
The historical rank and industry rank for Kentucky First Federal Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
KFFB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -3.94 Med: 0.31 Max: 0.55
Current: 0.38
During the past 13 years, Kentucky First Federal Bancorp's highest Return-on-Tangible-Asset was 0.55%. The lowest was -3.94%. And the median was 0.31%.
KFFB's Return-on-Tangible-Asset is ranked worse than 83.71% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs KFFB: 0.38
Kentucky First Federal Bancorp (NAS:KFFB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Kentucky First Federal Bancorp Return-on-Tangible-Asset Related Terms
Kentucky First Federal Bancorp Return-on-Tangible-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 Return-on-Tangible-Asset Chart
KFFB vs ANDC, FMFP, EXCH: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Kentucky First Federal Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Kentucky First Federal Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Kentucky First Federal Bancorp's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.62% mean?
Kentucky First Federal Bancorp (KFFB) has a Return-on-Tangible-Asset of 0.62% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Kentucky First Federal Bancorp and its competitors. This is 100% above median its historical median of 0.31. According to the industry distribution chart, Kentucky First Federal Bancorp ranks #1280 out of 1529 companies in the Banks industry, placing it in the top 83.7%.
Is Kentucky First Federal Bancorp's Return-on-Tangible-Asset too high?
Kentucky First Federal Bancorp's current Return-on-Tangible-Asset of 0.62% is 100% above median its 10-year median of 0.31. The Banks industry median Return-on-Tangible-Asset is 0.99. Kentucky First Federal Bancorp's value of 0.62% is 37.4% below this industry median. Based on the distribution chart, Kentucky First Federal Bancorp ranks #1280 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Return-on-Tangible-Asset compare to ANDC and FMFP?
According to the Banks industry distribution chart, Kentucky First Federal Bancorp ranks #1280 out of 1529 companies for Return-on-Tangible-Asset. This places Kentucky First Federal Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Kentucky First Federal Bancorp's value of 0.62% is 37.4% below this benchmark. While the company's 10-year median is 0.31 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kentucky First Federal Bancorp's current Return-on-Tangible-Asset of 0.62% is 37.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Kentucky First Federal Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kentucky First Federal Bancorp's current Return-on-Tangible-Asset is 0.62%, which is 100% above median its own 10-year median of 0.31. 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 $4.91, compared to a current price of $4.88 — trading 0.7% below its estimated fair value. The current Return-on-Tangible-Asset is 0.62%, which is 100% above median its 10-year median of 0.31 and 37.4% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current Return-on-Tangible-Asset is 0.62% 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 $4.88 is trading 0.7% below its estimated GF Value™ of $4.91.
GuruFocus considers Kentucky First Federal Bancorp to be Fairly Valued.
Key valuation signals for KFFB:
Return-on-Tangible-Asset: 0.62% (100% above median its 10-year median of 0.31)
GF Value™: $4.91 vs. price of $4.88 (0.7% below fair value)
Industry Position: 37.4% below the Banks median (#1280 of 1529)
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.
55GF Score
Get the complete analysis for KFFB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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