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Complete financial analysis of Kentucky First Federal Bancorp (KFFB) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Kentucky First Federal Bancorp, a leading company in the Banks – Regional industry within the Financial Services sector.
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Kentucky First Federal Bancorp (KFFB)
About Kentucky First Federal Bancorp
Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. that provide various banking products and services in Kentucky. The company accepts deposit products include passbook savings and certificate accounts, checking accounts, and individual retirement accounts. Its loan portfolio comprises one-to four-family residential mortgage loans; construction loans; mortgage loans secured by multi-family property; nonresidential loans that are secured by commercial office buildings, churches, and properties used for other purposes; commercial non-mortgage loans; and consumer loans, such as home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured or personal loans. The company also invests in mortgage-backed securities. It operates through seven banking offices. The company was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp is a subsidiary of First Federal MHC.
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7.22M | 9.16M | 9.16M | 10.61M | 9.72M | 9.69M | 10.42M | 10.22M | 10.66M | 11.48M | 11.88M | 11.72M | 8.12M | 7.81M | 6.69M | 6.57M | 5.70M | 5.54M | 6.70M | 5.06M | 69.00K | 363.00K | 537.00K | 196.00K |
| Cost of Revenue | 24.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 877.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 7.20M | 9.16M | 9.16M | 10.61M | 9.72M | 9.69M | 10.42M | 10.22M | 10.66M | 11.48M | 11.88M | 10.84M | 8.12M | 7.81M | 6.69M | 6.57M | 5.70M | 5.54M | 6.70M | 5.06M | 69.00K | 363.00K | 537.00K | 196.00K |
| Gross Profit Ratio | 99.67% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 92.51% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 5.23M | 5.03M | 5.86M | 6.54M | 6.40M | 6.64M | 6.56M | 6.00M | 6.01M | 5.72M | 6.18M | 5.15M | 3.81M | 3.90M | 3.89M | 3.23M | 2.91M | 2.95M | 3.01M | 1.69M | 1.89M | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 167.00K | 151.00K | 135.00K | 153.00K | 170.00K | 226.00K | 248.00K | 245.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 5.39M | 5.18M | 6.00M | 6.70M | 6.57M | 6.86M | 6.81M | 6.00M | 6.01M | 5.72M | 6.18M | 5.15M | 3.81M | 3.90M | 3.89M | 3.23M | 2.91M | 2.95M | 3.01M | 1.69M | 1.89M | 0.00 | 0.00 | 0.00 |
| Other Expenses | 1.85M | -7.93M | -11.34M | -15.13M | -28.58M | -12.35M | -13.78M | -13.31M | -13.21M | -12.67M | -13.55M | -10.07M | -7.19M | -6.67M | -4.96M | -1.98M | 321.00K | 400.00K | -1.17M | -897.00K | 3.91M | 4.63M | 4.96M | 6.54M |
| Operating Expenses | 7.18M | -7.93M | -5.34M | -8.43M | -22.01M | -5.49M | -6.97M | -7.32M | -7.20M | -6.96M | -7.37M | -4.93M | -3.38M | -2.77M | -1.07M | 1.25M | 3.23M | 3.35M | 1.84M | 791.00K | 5.80M | 4.63M | 4.96M | 6.54M |
| Cost & Expenses | 7.25M | -7.93M | -5.34M | -8.43M | -22.01M | -5.49M | -6.97M | -7.32M | -7.20M | -6.96M | -7.37M | 877.00K | -3.38M | -2.77M | -1.07M | 1.25M | 3.23M | 3.35M | 1.84M | 791.00K | 5.80M | 4.63M | 4.96M | 6.54M |
| Interest Income | 16.28M | 12.76M | 10.91M | 12.15M | 12.82M | 12.70M | 11.89M | 11.32M | 11.63M | 12.39M | 13.15M | 11.96M | 10.16M | 10.75M | 11.38M | 12.23M | 13.09M | 12.95M | 12.71M | 8.15M | 7.69M | 6.31M | 7.67M | 8.83M |
| Interest Expense | 9.28M | 3.90M | 1.75M | 2.14M | 3.50M | 3.25M | 2.16M | 1.46M | 1.36M | 1.43M | 1.62M | 1.69M | 2.18M | 3.18M | 4.98M | 5.90M | 7.57M | 7.59M | 6.23M | 3.35M | 4.44M | 3.40M | 4.55M | 5.27M |
| Depreciation & Amortization | 234.00K | 255.00K | 285.00K | 288.00K | 277.00K | 282.00K | 336.00K | 336.00K | 321.00K | 278.00K | 288.00K | 231.00K | 276.00K | 316.00K | 303.00K | 308.00K | 352.00K | 312.00K | 14.00K | -63.00K | 82.00K | 0.00 | 0.00 | 0.00 |
| EBITDA | 0.00 | 1.48M | 2.35M | 2.46M | -12.01M | 0.00 | 0.00 | 1.78M | 2.42M | 3.37M | 3.17M | 4.46M | 2.83M | 2.87M | 2.49M | 0.00 | 75.00K | 464.00K | 4.52M | 3.40M | 0.00 | 4.99M | 5.50M | 6.73M |
| EBITDA Ratio | 0.00% | 13.40% | 44.83% | 23.19% | -123.48% | 46.30% | 36.06% | 31.71% | 35.44% | 41.80% | 40.35% | 52.42% | 61.72% | 68.59% | 88.57% | 123.70% | 162.83% | 166.23% | 127.68% | 114.38% | 8,624.64% | 1,374.66% | 1,024.02% | 3,435.20% |
| Operating Income | 0.00 | 1.23M | 3.82M | 2.17M | -12.28M | 4.21M | 3.45M | 2.91M | 3.46M | 4.52M | 4.50M | 5.91M | 4.73M | 5.04M | 5.62M | 7.81M | 8.94M | 8.89M | 8.54M | 5.85M | 5.87M | 4.99M | 5.50M | 6.73M |
| Operating Income Ratio | 0.00% | 13.40% | 41.71% | 20.48% | -126.33% | 43.39% | 33.09% | 28.42% | 32.43% | 39.37% | 37.93% | 50.44% | 58.32% | 64.55% | 84.04% | 119.01% | 156.66% | 160.60% | 127.47% | 115.62% | 8,505.80% | 1,374.66% | 1,024.02% | 3,435.20% |
| Total Other Income/Expenses | -1.96M | -1.05M | -998.00K | -989.00K | -277.00K | -1.15M | -1.20M | -1.17M | -1.67M | -1.60M | -1.61M | -25.00K | -67.00K | -1.01M | -1.85M | -6.21M | 0.00 | 0.00 | -2.21M | 200.00K | -2.30M | 5.86M | 5.87M | 8.57M |
| Income Before Tax | -1.96M | 1.23M | 1.55M | 2.17M | -12.28M | 953.00K | 1.29M | 1.45M | 2.10M | 3.09M | 2.89M | 4.14M | 2.56M | 1.86M | 640.00K | 1.91M | 1.37M | 1.30M | 2.31M | 2.50M | 1.43M | 1.59M | 1.44M | 2.22M |
| Income Before Tax Ratio | -27.14% | 13.40% | 16.94% | 20.48% | -126.33% | 9.83% | 12.35% | 14.17% | 19.67% | 26.93% | 24.30% | 35.36% | 31.48% | 23.82% | 9.57% | 29.11% | 24.04% | 23.52% | 34.50% | 49.40% | 2,078.26% | 438.29% | 268.34% | 1,134.69% |
| Income Tax Expense | -239.00K | 294.00K | 477.00K | 352.00K | 264.00K | 141.00K | -37.00K | 513.00K | 596.00K | 1.02M | 952.00K | 1.31M | 840.00K | 104.00K | 215.00K | 1.10M | 439.00K | 417.00K | 723.00K | 872.00K | 481.00K | 541.00K | 490.00K | 757.00K |
| Net Income | -1.72M | 933.00K | 1.08M | 1.82M | -12.55M | 812.00K | 1.32M | 935.00K | 1.50M | 2.07M | 1.93M | 2.84M | 1.72M | 1.76M | 425.00K | 808.00K | 932.00K | 885.00K | 1.59M | 1.63M | 953.00K | 1.05M | 951.00K | 1.47M |
| Net Income Ratio | -23.83% | 10.19% | 11.74% | 17.16% | -129.04% | 8.38% | 12.70% | 9.15% | 14.08% | 18.03% | 16.28% | 24.20% | 21.13% | 22.48% | 6.36% | 12.31% | 16.34% | 15.99% | 23.71% | 32.17% | 1,381.16% | 289.26% | 177.09% | 748.47% |
| EPS | -0.21 | 0.11 | 0.13 | 0.22 | -1.52 | 0.10 | 0.16 | 0.11 | 0.18 | 0.25 | 0.23 | 0.37 | 0.23 | 0.23 | 0.05 | 0.11 | 0.12 | 0.11 | 0.19 | 0.19 | 0.11 | 0.15 | 0.13 | 0.20 |
| EPS Diluted | -0.21 | 0.11 | 0.13 | 0.22 | -1.52 | 0.10 | 0.16 | 0.11 | 0.18 | 0.25 | 0.23 | 0.37 | 0.23 | 0.23 | 0.05 | 0.11 | 0.12 | 0.11 | 0.19 | 0.19 | 0.11 | 0.15 | 0.13 | 0.20 |
| Weighted Avg Shares Out | 8.10M | 8.13M | 8.21M | 8.22M | 8.25M | 8.34M | 8.37M | 8.35M | 8.32M | 8.35M | 8.37M | 7.95M | 7.55M | 7.53M | 7.52M | 7.56M | 7.74M | 7.99M | 8.36M | 7.19M | 7.19M | 7.19M | 7.19M | 7.19M |
| Weighted Avg Shares Out (Dil) | 8.10M | 8.13M | 8.21M | 8.22M | 8.25M | 8.34M | 8.37M | 8.35M | 8.32M | 8.35M | 8.37M | 7.95M | 7.55M | 7.53M | 7.55M | 7.57M | 7.74M | 7.99M | 8.36M | 7.19M | 7.19M | 7.19M | 7.19M | 7.19M |
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