How profitable is Kentucky First Federal Bancorp (KFFB)?

In FY 2025 (10-K), KFFB converted $157.6M of revenue into a 52% gross margin, 0% operating margin, and $0 in free cash flow (0% FCF margin).

Stock Ratings / Financials / KFFB / financials

HFBL (70) CLST (55) CPBI (67) FDSB (58) ⌘ Pro Terminal →

Kentucky First Federal Bancorp (KFFB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$5.54 +3.65% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $5.57

Kentucky First Federal Bancorp (KFFB) carries a Roarable Rating of D- (Sell) with 38/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $43.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is KFFB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Kentucky First Federal Bancorp (NASDAQ: KFFB) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 38/100 at a spot price of $5.54 (+3.65% 1D, market cap $43.2M). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, KFFB ranks #941 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does KFFB compare to HFBL and CLST in the Financials sector?

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Within the Financials sector (Savings Institutions), KFFB carries a Roarable D- (38/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.4%. By comparison, HFBL (Home Federal Bancorp Inc. of Louisiana) holds a B- grade (70/100 RQD, P/E 17.4x, ROIC 6.7%, cap $69.2M) and CLST (Catalyst Bancorp Inc.) posts a D+ grade (55/100 RQD, P/E 35.0x, ROIC 2.5%, cap $70.0M). Among the 5-stock peer group, HFBL leads on earnings multiple (17.4x) while HFBL leads on capital efficiency (6.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for KFFB?

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Per KFFB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001297341), Kentucky First Federal Bancorp generated $157.6M in revenue (+0.3% YoY), $181.0K in net income, and -$235.0K in free cash flow against $375.3M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $5.57 (+0.47%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 4/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (38/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.8% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 Quant Analysts Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KFFB)Realized 20D OHLCV Swing Band: ±7.8%

Deterministic 5-Pillar Attribution (38/100 Composite)

🔍 WHY KFFB SCORES 38/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+12/20 pts (32% of score)

FRED Regime × Technicals: 66% of 52W Range • RSI-14 at 45.2 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$5.77-8.5% Next Q

Q2 (-2Q)

Grade D$5.28+1.3% Next Q

Q3 (-1Q)

Grade D$5.35+3.6% Next Q

Current

Grade D-$5.54-7.8% Hist 90D α

Trajectory: D (46) → D- (38)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a KFFB Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While KFFB currently carries a cautious 38/100 (D-) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($5.64) and Max Pain ($5.82) forces dealer call-delta covering toward $6.78.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $KFFB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “KFFB Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”

YES 38%NO 62%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How KFFB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$0 (0% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $7.8M

FY24

Rev $157.2M

FY25

Rev $157.6M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$157.6M	52%	0%	$181.0K	-$235.0K	0.4%
FY 2024	$157.2M	52%	0%	-$1.7M	-$1.5M	0.4%
FY 2023	$7.8M	44.4%	0%	$933.0K	$1.2M	0.4%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring KFFB)

✓Walkthrough of KFFB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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KFFB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.06%📐 HORIZONTAL RANGE

2026-11-03O $5.40H $5.54L $5.34C $5.54VOL 1.6K

RES: $7.47SUP: $5.05SMA50: $5.64SMA200: $4.99

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

KFFB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 KFFB Butterfly Map → + Track KFFB →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

8.0%/yr Implied 5Y Growth

vs. +0.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on KFFB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for KFFB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for KFFB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (KFFB)

Financials Rank #941 of 1097 ⚔️ HFBL vs KFFB Full Matrix →

1. Head-to-Head Financials Peer Comparison (KFFB vs. HFBL, CLST, CPBI, FDSB)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Kentucky First Federal Bancorp (KFFB) ranks #941 by composite RQD confidence (38/100, grade D-) and #1021 by equity capitalization ($43.2M). Within this direct 5-issuer industry benchmark cohort, HFBL leads on earnings valuation at 17.4x trailing P/E, while HFBL leads on capital efficiency and profitability with 6.7% ROIC and — gross margin. HFBL currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with KFFB at 38/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
KFFB ACTIVE Kentucky First Federal Bancorp	D-	38/100	—	—	0.4%	+3.65%	$43.2M	Benchmark Subject
HFBL Home Federal Bancorp Inc. of Louisiana	B-	70/100	17.4x	—	6.7%	+1.81%	$69.2M	/hfbl-vs-kffb →
CLST Catalyst Bancorp Inc.	D+	55/100	35.0x	—	2.5%	+2.46%	$70.0M	/clst-vs-kffb →
CPBI Central Plains Bancshares Inc.	C+	67/100	21.5x	—	4.6%	+0.63%	$86.0M	/cpbi-vs-kffb →
FDSB Fifth District Bancorp Inc.	D+	58/100	22.3x	—	3.2%	0.00%	$92.0M	/fdsb-vs-kffb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-06-30 • CIK 0001297341 ↗

In its most recent audited fiscal period (FY2025, filed 2025-06-30), Kentucky First Federal Bancorp (KFFB) reported GAAP revenue of $157.6M (+0.3% vs. FY2024 revenue of $157.2M , and +1927.8% cumulative change since FY2023) , GAAP net income of $181.0K, operating cash flow of -$86.0K, and free cash flow of -$235.0K (+84.5% YoY). On the balance sheet, KFFB closed FY2025 with $375.3M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-06-30	$157.6M	$181.0K	-$86.0K	-$235.0K	$375.3M	—
FY2024 (FY)	2024-06-30	$157.2M	-$1.7M	-$1.5M	-$1.5M	$374.2M	—
FY2023 (FY)	2023-06-30	$7.8M	$933.0K	$1.2M	$1.2M	—	—

3. KFFB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is KFFB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does KFFB compare to HFBL and CLST in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for KFFB?

Where is KFFB trading relative to its 50-day, 200-day, and 52-week technical levels?

KFFB last traded at $5.54 (+3.65% on volume of 1,226 shares), positioning the stock -1.77% below its 50-day simple moving average ($5.64) and +11.02% above its 200-day simple moving average ($4.99). Across its 52-week range of $3.76 to $6.46, KFFB sits at the 65.9% percentile with a 14-day RSI of 45.2 (NEUTRAL RANGE) and an implied next-earnings move of ±7.8% ($5.11 to $5.97).

Direct Sub-Reports: KFFB RQD Cockpit KFFB 12M Forecast KFFB Earnings & Move KFFB Dividends & DRIP KFFB Insiders & 13F KFFB Whale Options KFFB Profit Sankey KFFB News & Why

ROARABLE RATING BRIEF • RQD 38/100 (D-) ✓ SEC XBRL & RQD VERIFIED

KFFB — Kentucky First Federal Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-06-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Kentucky First Federal Bancorp (KFFB) earns a live Roarable RQD composite score of 38/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $5.54 (+3.65% 1D, market capitalization $43.2M).

Fundamental Cash Engine (4/20): Anchored by return on invested capital (ROIC) of 0.4%, gross margin of —, operating margin of —, and free cash flow yield of -0.54%.
Whale 13F & Options Flow (9/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (12/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 2/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Kentucky First Federal Bancorp (KFFB) is a NASDAQ-listed issuer in the Financials sector, operating within the Savings Institutions industry..0B as classified in that section, while the market data section reports $43.6M.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), Kentucky First Federal Bancorp (KFFB) reported $157.6M in annual revenue (up from $157.2M in FY2024, +0.3% YoY) and $181.0K in GAAP net income. Over the multi-year SEC filing window from FY2023 ($7.8M revenue, $933.0K net income) through FY2025, KFFB scaled operating cash flow to -$86.0K and free cash flow to -$235.0K, backed by $375.3M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (D- • RQD 38/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -0.54% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 4/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $3.76 – $6.46 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Savings Institutions (Financials), KFFB carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can KFFB sustain or expand its — operating margin and 0.4% ROIC against Savings Institutions peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $157.6M and free cash flow of -$235.0K, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is KFFB's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

KFFB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Kentucky First Federal Bancorp (KFFB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to KFFB Debate Forum (3) ↓

🟡 MARKET WIRE Quantisnow • 1d ago

Kentucky First Federal Bancorp Announces Payment of Quarterly Dividend

Quantisnow report covering Kentucky First Federal Bancorp (KFFB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Moomoo • 1d ago

Press Release: Kentucky First Federal Bancorp Announces Payment of Quarterly Dividend

Moomoo report covering Kentucky First Federal Bancorp (KFFB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE marketscreener.com • 1d ago

Kentucky First Federal Bancorp Declares Quarterly Cash Dividend, Payable on December 21, 2026

marketscreener.com report covering Kentucky First Federal Bancorp (KFFB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 14d ago

12 Financials Stocks Moving In Tuesday's Intraday Session

Gainers Netcapital (NASDAQ:NCPL) shares increased by 29.9% to $2.12 during Tuesday's regular session. The market value of their outstanding shares is at $12.7 million. Cheche Group (NASDAQ:CCG) shares rose 24.83%

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 88d ago

Kentucky First Federal Bancorp Reports Earnings

HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Aug. 07, 2026 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company (the “Company”) for First Federal Savings and Loan

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 158d ago

Kentucky First Federal Bancorp Board of Directors to Consider Resumption of Quarterly Dividend

Special Board Meeting to be Held on July 28, 2026HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., May 29, 2026 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company (t

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 98d ago

Kentucky First Federal Bancorp Board of Directors Announces Declaration of $0.05 Quarterly Dividend

Dividend Declaration Follows Vote by First Federal MHC Members to Waive Receipt of Dividends Paid by Kentucky First Federal BancorpHAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., July 28, 2026 (GLOBE

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 257d ago

Kentucky First Federal Bancorp Announces Termination of the Agreement By and Between First Federal Savings Bank of Kentucky and the OCC

HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Feb. 19, 2026 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company (the “Company”) for First Federal Savings and Loan

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

KFFB Bull vs. Bear Conversation Board — What's Your Call at $5.54?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON KFFB 🐻 33% BEARISH CONVICTION

SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $6.14 (+15.0%)

📌 Pinned Debate

The company reported positive net income of $0.2M in FY 2025 and holds $19.7M in cash, with a Z-Score of 2.5 supporting balance sheet s

The company reported positive net income of $0.2M in FY 2025 and holds $19.7M in cash, with a Z-Score of 2.5 supporting balance sheet stability.. When you look under the hood at KFFB, Fundamental Cash Engine is 4/20 with 0.0% gross margins and 0.4% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (9/20) has been quietly accumulating below $6.46. My 12M target is $6.14.

RetailWhale_TX 🐂 BULL

@RiskArb_Desk Shorting a 9/20 institutional whale-flow stock at $5.34 is dangerous when funds are rotating into Financials.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $4.43 (-17.0%)

Spot @ $5.34

ROIC of 0.4% and an FCF yield of -0.54% show weak cash generation, compounded by a Piotroski F-Score of 2/9 and the lowest insider conv

Careful chasing KFFB at $5.34. ROIC of 0.4% and an FCF yield of -0.54% show weak cash generation, compounded by a Piotroski F-Score of 2/9 and the lowest insider conviction score of 3 of 20.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $4.43 on multiple compression.