KFFB (Kentucky First Federal Bancorp) Scaled Net Operating Assets: 0.19 (As of Mar. 2026)


KFFB Kentucky First Federal Bancorp KFFB
56 GF Score
Price $5.00
GF Value $4.92
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Kentucky First Federal Bancorp Scaled Net Operating Assets?

Kentucky First Federal Bancorp KFFB +8.47% 56 Scaled Net Operating Assets is 0.19 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Kentucky First Federal Bancorp's operating assets for the quarter that ended in Mar. 2026 was $348.05 Mil. Kentucky First Federal Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $275.95 Mil. Kentucky First Federal Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $375.28 Mil. Therefore, Kentucky First Federal Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.19.

KFFB
56GF Score
Kentucky First Federal Bancorp KFFB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kentucky First Federal Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Kentucky First Federal Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jun. 2025 )
=(Operating Assets (A: Jun. 2025 )-Operating Liabilities (A: Jun. 2025 ))/Total Assets (A: Jun. 2024 )
=(360.308-280.082)/374.968
=0.21

where

Operating Assets(A: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=371.211 - 10.903
=360.308

Operating Liabilities(A: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=322.842 - 42.76 - 0
=280.082

Kentucky First Federal Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(348.053-275.946)/375.278
=0.19

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=374.541 - 26.488
=348.053

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=324.883 - 48.937 - 0
=275.946

* 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.

What does a Scaled Net Operating Assets of 0.19 mean?
Kentucky First Federal Bancorp (KFFB) has a Scaled Net Operating Assets of 0.19 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Kentucky First Federal Bancorp and its competitors.
Is Kentucky First Federal Bancorp's Scaled Net Operating Assets too high?
Kentucky First Federal Bancorp's current Scaled Net Operating Assets is 0.19. 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 Scaled Net Operating Assets compare to HFBA and EXCH?
Kentucky First Federal Bancorp's Scaled Net Operating Assets of 0.19 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Kentucky First Federal Bancorp and its competitors. Kentucky First Federal Bancorp's current Scaled Net Operating Assets is 0.19. 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 $5.00 — trading 1.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.19. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Kentucky First Federal Bancorp (KFFB), the current Scaled Net Operating Assets is 0.19 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 overvalued. The current stock price of $5.00 is trading 1.6% above its estimated GF Value™ of $4.92. GuruFocus considers Kentucky First Federal Bancorp to be Fairly Valued.

Key valuation signals for KFFB:

  • Scaled Net Operating Assets: 0.19
  • GF Value™: $4.92 vs. price of $5.00 (1.6% 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

Get the complete analysis for KFFB

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.00
Price
$4.92
GF Value