Kentucky First Federal Bancorp (KFFB) fair value: what the stock is really worth
We calculate from audited financials what Kentucky First Federal Bancorp is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
60‑month range $2.16 – $7.90 · fair‑value band $0.8000 – $2.68 · the $5.66 price screens above the $1.74 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.
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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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. 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 $5.66, while our model-based Fair Value estimate is $1.74, implying the stock looks roughly 225.3% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $4.01 per share, and 0 of the 6 models we run sit above the $5.66 price.
Bear case: the Multiples group reads lowest at $0.2900, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.8000 (bear) to $2.68 (bull), the price of $5.66 sits above 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 44/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Kentucky First Federal Bancorp reported revenue of $19.6M in FY2025 versus $12.7M in FY2021, a compound +11.4%/yr. Reported net income was $181K in FY2025, compounding −43.8%/yr from FY2021.
Key figures
Market cap $45.8M · P/E ratio 31.4 · P/S ratio 0.29 · EPS (TTM) $0.1800 · Dividend yield 1.6% · Net margin 0.9% · Return on equity 2.9% · Return on assets (EBIT) 0.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).
What moves the price
The share trades near its 52-week high and 114% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at −69%, KFFB screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely ($0.2900 to $4.01). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear $0.8000Fair Value $1.74Bull $2.68
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($0.1800 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.Evidence ⓘEvidence = 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.49/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+18.9%
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.
+19.8%
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.
+8.2%
Revenue growth 24 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.
+21.2%
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What shareholders gained per year (last 5 years) ⓘ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.
−30.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−32.5%
Dividend (yield on the price)1.6%
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.−33% vs −21%, slowing
Profit margin 2020 to 2025 ⓘ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.−93% → 1%
Compare Kentucky First Federal Bancorp with another stock
Price, fair value, quality and upside side by side.
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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 · 1077 stocks
Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score45 · Bottom 25%
Fair Value upside−95% · Bottom 25%
Profitability
Return on equity (TTM)3% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)13% · Bottom 25%
Operating margin (TTM)29% · Below median
Growth and dividend
Revenue growth35% · Top 25%
Dividend yield (TTM)1.6% · Bottom 25%
Balance sheet
Debt / equity1.43× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)31.4× · Priciest 25%
P/B0.85× · Cheaper than median
P/S (TTM)3.80× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)100· sector 44
PAST (return on equity)11· sector 41
HEALTH (low debt)29· sector 85
DIVIDEND (yield)32· sector 52
VALUE 0: the price sits above our fair-value range.
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 Sep 13, 2026, our model estimates a fair value of $1.74 versus a price of $5.66, about −69% upside (overvalued).
What is the fair value of KFFB?
Our model-based fair value for Kentucky First Federal Bancorp is $1.74 (as of Sep 13, 2026), built from audited fundamentals. The current price: $5.66.
What is the quality score of KFFB?
Kentucky First Federal Bancorp has a Quality Score of 44/100. 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 $1.74 (as of Sep 13, 2026) from 6 valuation models. Cautious scenario $0.8000, optimistic scenario $2.68. 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 $1.74, about −69% upside versus a price of $5.66 (overvalued). Cautious scenario $0.8000, optimistic scenario $2.68. 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 $10.9M (latest available figure, as of Sep 13, 2026).
Does Kentucky First Federal Bancorp pay a dividend?
Kentucky First Federal Bancorp currently shows a dividend yield of about 1.62% relative to its recent price (as of Sep 13, 2026).
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 $1.74 per share (as of Sep 13, 2026), against a price of $5.66. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Kentucky First Federal Bancorp stock overvalued or undervalued in 2026?
As of Sep 13, 2026, KFFB trades above its calculated fair value: price $5.66, fair value $1.74, a gap of about −69% (overvalued). 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 ($5.66); the fair value is what the company's own numbers justify ($1.74). For Kentucky First Federal Bancorp the two are $3.92 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 $45.8M (market capitalisation, as of Sep 13, 2026). Per share that is $5.66; our models calculate a fair value of $1.74 per share.
What do the bullish and bearish scenarios say about KFFB?
Our models span a range for Kentucky First Federal Bancorp: cautious scenario $0.8000, base $1.74, optimistic $2.68 per share (as of Sep 13, 2026, price $5.66). 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 31.4 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.74 is built from several models across several years. Other multiples: P/B 0.9, P/S 3.8.
How solid is the balance sheet of Kentucky First Federal Bancorp (KFFB)?
Balance-sheet figures for Kentucky First Federal Bancorp (as of Sep 13, 2026): return on equity 2.9%, debt of 1.43 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is KFFB from its 52-week high?
Kentucky First Federal Bancorp trades at $5.66, about 11% below its 52-week high of $5.10 and 114% above the low of $2.64 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of $1.74 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, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 13, 2026: price $5.66, calculated fair value $1.74 (−69%), Quality Score 44/100, from 6 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 6 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 $1.74, 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 15.8 % above its aggregate fair value. Kentucky First Federal Bancorp itself currently trades above fair value. 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 should I pay attention to with Kentucky First Federal Bancorp right now?
The price sits above even our optimistic bull case ($2.68). The favourable scenario is already priced in. Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide ($0.8000 to $2.68). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Where does the earnings growth of Kentucky First Federal Bancorp (KFFB) come from?
Earnings per share at Kentucky First Federal Bancorp grew −12.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.6 %, EBIT margin −14.6 %, 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 $45.8M. 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 0.29 (P/E × margin). 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 $0.1800 (price ÷ EPS = P/E 31.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Kentucky First Federal Bancorp (KFFB)?
The dividend yield of Kentucky First Federal Bancorp is 1.6% (payout 51.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Kentucky First Federal Bancorp (KFFB)?
The net margin of Kentucky First Federal Bancorp is 0.9% (fiscal year 2025). 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 2.9% (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 28.6% (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 +35.3% versus a year earlier (3y avg +19.8%). 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 +82.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Kentucky First Federal Bancorp (KFFB) generate?
The free cash flow of Kentucky First Federal Bancorp is −$235K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Kentucky First Federal Bancorp (KFFB) carry?
The net debt of Kentucky First Federal Bancorp is $42.8M (fiscal year 2025). 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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Thin data
Sep 13, 2026