Kentucky First Federal Bancorp (KFFB) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Kentucky First Federal Bancorp stock $5.81, price $5.42, upside +7.2%, quality 54 out of 100. Rating: fairly valued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 29, 2026.
How to read this chart
60‑month range $2.16 – $7.90 · fair‑value band $4.35 – $7.26 · the $5.42 price screens below the $5.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 29, 2026.
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Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provides various banking products and services in Kentucky.
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The company is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes.
Its loan portfolio comprises one-to four-family, multi-family, and construction residential real estate loans; nonresidential real estate loans comprising of commercial office buildings, churches and properties used for other purposes; and consumer loans, including home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans, as well as commercial non-mortgage loans.
Kentucky First Federal Bancorp was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp operates as a subsidiary of First Federal MHC.
Stock analysis
Kentucky First Federal Bancorp (KFFB) currently trades at $5.42, while our model-based Fair Value estimate is $5.81, so the stock looks roughly fairly valued today (gap 6.7%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of $4.64 per share, and 1 of the 4 models we run sit above the $5.42 price.
Bear case: the Multiples group reads lowest at $3.07, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $4.35 (bear) to $7.26 (bull), the price of $5.42 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Kentucky First Federal Bancorp reported revenue of $21.4M in FY2026 versus $11.4M in FY2022, a compound +17.0%/yr. Reported net income was $1.9M in FY2026, compounding +4.7%/yr from FY2022.
Key figures
Market cap $43.8M Micro · P/E ratio 22.6 · P/S ratio 3.81 · EPS (TTM) $0.2400 · Net margin 16.6% · Return on equity 3.9% · Return on assets (EBIT) 0.2% · Operating margin 29.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).
What moves the price
The share trades about 15% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 7%, KFFB screens cheaper than that median.
Fair Value models
Bear$4.35Fair Value $5.81Bull$7.26
Price $5.42 · Upside +7.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($0.0796 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.83/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+9.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+32.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.9%
Start year 2021 (pandemic). Over 10 years: +5.9% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.7%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−20.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−20.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.2.6% vs 2.7%, steady
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.17% → 12%
2026 sits 244% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2021 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+43.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +40.2% a year for the price.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1064 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside+7.2% · Above median
Profitability
Return on equity (12 months)3.9% · Bottom 25%
Return on assets0.5% · Bottom 25%
Net margin (12 months)16.6% · Bottom 25%
Operating margin (12 months)29.9% · Below median
Growth and dividend
Revenue growth (quarter YoY)26.8% · Top 25%
Balance sheet
Debt / equity0.97× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Kentucky First Federal Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/KFFB
Frequently asked questions
Is Kentucky First Federal Bancorp (KFFB) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of $5.81 versus a price of $5.42, about +7% upside (fairly valued).
What is the fair value of KFFB?
Our model-based fair value for Kentucky First Federal Bancorp is $5.81 (as of Oct 29, 2026), built from audited fundamentals. The current price: $5.42.
What is the quality score of KFFB?
Kentucky First Federal Bancorp has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Kentucky First Federal Bancorp (KFFB)?
Our model-based price target is the fair value of $5.81 (as of Oct 29, 2026) from 4 valuation models. Cautious scenario $4.35, optimistic scenario $7.26. It is a calculation from audited fundamentals, not an analyst target.
What is the Kentucky First Federal Bancorp stock forecast for 2026?
Our models put fair value at $5.81, about +7% upside versus a price of $5.42 (fairly valued). Cautious scenario $4.35, optimistic scenario $7.26. The calculation is refreshed regularly with new filings.
What is the revenue of Kentucky First Federal Bancorp (KFFB)?
Kentucky First Federal Bancorp reported trailing-twelve-month revenue of about $11.5M (latest available figure, as of Oct 29, 2026).
What growth is priced into Kentucky First Federal Bancorp (KFFB)?
For today's price to be fair in a discounted-cash-flow model, Kentucky First Federal Bancorp would have to grow free cash flow by +43.5 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.9 % per year. As of Oct 29, 2026.
What discount rate (WACC) does the fair value of KFFB use?
Our models discount Kentucky First Federal Bancorp at 8.5 %: a base by market capitalisation (nano), damped by beta 0.14, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Kentucky First Federal Bancorp that is +43.5 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Kentucky First Federal Bancorp (KFFB) delivered so far?
Over the past 5 years revenue at Kentucky First Federal Bancorp grew +10.9 % a year. The price currently implies +43.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Kentucky First Federal Bancorp (KFFB) growing?
The median revenue growth in the sector is +9.0 % a year. That is the yardstick for the growth priced into Kentucky First Federal Bancorp (+43.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Kentucky First Federal Bancorp (KFFB)?
The free-cash-flow yield on the price is 2.53 %: that much free cash flow Kentucky First Federal Bancorp produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Kentucky First Federal Bancorp (KFFB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Kentucky First Federal Bancorp it is $5.81 per share (as of Oct 29, 2026), against a price of $5.42. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Kentucky First Federal Bancorp stock overvalued or undervalued in 2026?
As of Oct 29, 2026, KFFB trades below its calculated fair value: price $5.42, fair value $5.81, a gap of about +7% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of KFFB?
No. The price is what the market pays today ($5.42); the fair value is what the company's own numbers justify ($5.81). For Kentucky First Federal Bancorp the two are $0.3900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Kentucky First Federal Bancorp worth?
The market values Kentucky First Federal Bancorp at about $43.8M (market capitalisation, as of Oct 29, 2026). Per share that is $5.42; our models calculate a fair value of $5.81 per share.
What do the bullish and bearish scenarios say about KFFB?
Our models span a range for Kentucky First Federal Bancorp: cautious scenario $4.35, base $5.81, optimistic $7.26 per share (as of Oct 29, 2026, price $5.42). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of KFFB?
Kentucky First Federal Bancorp trades at a price-to-earnings ratio of 22.6 (as of Oct 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $5.81 is built from several models across several years. Other multiples: P/B 0.9, P/S 3.8, EV/EBITDA 28.1.
How solid is the balance sheet of Kentucky First Federal Bancorp (KFFB)?
Balance-sheet figures for Kentucky First Federal Bancorp (as of Oct 29, 2026): return on equity 3.9%, debt of 0.97 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is KFFB from its 52-week high?
Kentucky First Federal Bancorp trades at $5.42, about 15% below its 52-week high of $6.34 and 49% above the low of $3.63 (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of $5.81 is for.
Which stocks are comparable to Kentucky First Federal Bancorp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Kentucky First Federal Bancorp stock attractive at the current price?
The data as of Oct 29, 2026: price $5.42, calculated fair value $5.81 (+7%), Quality Score 54/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of KFFB calculated?
We run Kentucky First Federal Bancorp through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $5.81, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.4 % above its aggregate fair value. Kentucky First Federal Bancorp currently trades 7 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Kentucky First Federal Bancorp (KFFB)?
The closing price on Oct 28, 2026 was $5.42. Our model-based fair value is $5.81, about +7% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Kentucky First Federal Bancorp right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Kentucky First Federal Bancorp (KFFB) come from?
Earnings per share at Kentucky First Federal Bancorp grew −3.4 % a year from 2015 to 2026. Broken into its drivers: revenue per share +6.0 %, EBIT margin −10.0 %, tax rate +1.2 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Kentucky First Federal Bancorp
How large is the market capitalisation of Kentucky First Federal Bancorp (KFFB)?
The market capitalisation of Kentucky First Federal Bancorp is $43.8M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Kentucky First Federal Bancorp (KFFB)?
The price-to-sales ratio of Kentucky First Federal Bancorp is 3.81 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Kentucky First Federal Bancorp (KFFB)?
Earnings per share at Kentucky First Federal Bancorp are $0.2400 (price ÷ EPS = P/E 22.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Kentucky First Federal Bancorp (KFFB)?
The net margin of Kentucky First Federal Bancorp is 16.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Kentucky First Federal Bancorp (KFFB)?
The return on equity (ROE) of Kentucky First Federal Bancorp is 3.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Kentucky First Federal Bancorp (KFFB)?
On an EBIT basis the return on assets of Kentucky First Federal Bancorp is 0.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Kentucky First Federal Bancorp (KFFB)?
The operating margin of Kentucky First Federal Bancorp is 29.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Kentucky First Federal Bancorp (KFFB)?
Revenue at Kentucky First Federal Bancorp is growing +26.8% versus a year earlier (3y avg +32.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Kentucky First Federal Bancorp (KFFB)?
Earnings per share at Kentucky First Federal Bancorp are growing +287% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Kentucky First Federal Bancorp (KFFB) carry?
The net debt of Kentucky First Federal Bancorp is $32.1M (fiscal year 2026, ≈ 28.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Oct 29, 2026