The historical rank and industry rank for Kentucky First Federal Bancorp's ROE % or its related term are showing as below:
KFFB'
s ROE % Range Over the Past 10 Years
Min: -21.23 Med: 1.61 Max: 3.49
Current: 2.88
During the past 13 years, Kentucky First Federal Bancorp's highest ROE % was 3.49%. The lowest was -21.23%. And the median was 1.61%.
KFFB's ROE % is ranked worse than 89.69% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs KFFB: 2.88
Kentucky First Federal Bancorp (NAS:KFFB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Kentucky First Federal Bancorp ROE % Related Terms
Kentucky First Federal Bancorp ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Kentucky First Federal Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Kentucky First Federal Bancorp's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Kentucky First Federal Bancorp (KFFB) has a ROE % of 4.71% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Kentucky First Federal Bancorp and its competitors. This is 193% above median its historical median of 1.61. According to the industry distribution chart, Kentucky First Federal Bancorp ranks #1366 out of 1523 companies in the Banks industry, placing it in the top 89.7%.
Is Kentucky First Federal Bancorp's ROE % too high?
Kentucky First Federal Bancorp's current ROE % of 4.71% is 193% above median its 10-year median of 1.61. The Banks industry median ROE % is 10.22. Kentucky First Federal Bancorp's value of 4.71% is 53.9% below this industry median. Based on the distribution chart, Kentucky First Federal Bancorp ranks #1366 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROE % compare to HFBA and EXCH?
According to the Banks industry distribution chart, Kentucky First Federal Bancorp ranks #1366 out of 1523 companies for ROE %. This places Kentucky First Federal Bancorp in the lower half of its industry. The industry median ROE % is 10.22. Kentucky First Federal Bancorp's value of 4.71% is 53.9% below this benchmark. While the company's 10-year median is 1.61 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kentucky First Federal Bancorp's current ROE % of 4.71% is 53.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Kentucky First Federal Bancorp and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kentucky First Federal Bancorp's current ROE % is 4.71%, which is 193% above median its own 10-year median of 1.61. 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 ROE % is 4.71%, which is 193% above median its 10-year median of 1.61 and 53.9% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current ROE % is 4.71% 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:
ROE %: 4.71% (193% above median its 10-year median of 1.61)
GF Value™: $4.92 vs. price of $4.84 (1.6% below fair value)
Industry Position: 53.9% below the Banks median (#1366 of 1523)
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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