ROARABLE
FREE $100K
My Trading Account →
▾
Trading Profile Active
Active Trader
Verified Trader
⚡ My $100K Trading Account → ★ My Saved Watchlist →
🟢 My $100K Account → Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / KFFB / forecast
HFBL (70) CLST (55) CPBI (67) FDSB (58) ⌘ Pro Terminal →

Kentucky First Federal Bancorp (KFFB) 12-Month Stock Forecast & Price Target Cone

$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
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on KFFB Below — or Connect Your Own ChatGPT / Claude
🤖 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?
▼

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?
▼

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?
▼

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-
025507510038
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+
Cash (4)Whales (9)SEC (10)Macro (12)CEO (3)
Each axis scored 0–20
12M PRICE TARGET CONE-9% Base Target
$7 Bull$5 Base$4 Bear
📬 FREE KFFB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
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)
46
Grade D$5.77-8.5% Next Q
Q2 (-2Q)
43
Grade D$5.28+1.3% Next Q
Q3 (-1Q)
41
Grade D$5.35+3.6% Next Q
Current
38
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 →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your KFFB Position Size: $10,000

Shares at $5.54: 1805.1 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $3.93
$7,094
$-2,906 (-29.1%)
12M Consensus BaseTarget $5.04
$9,097
$-903 (-9.0%)
12M Bull Case BreakoutTarget $6.78
$12,238
+$2,238 (+22.4%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (35 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 9
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$574%A
Goldman SachsSector Coverage LeadUNDERPERFORM$669%B
JP MorganUS Large-Cap ResearchSELL$458%C
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
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
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
$6.63$5.94$5.25$4.56$3.88RES $7.47SUP $5.05$5.542026-05-042026-06-172026-08-042026-09-182026-11-03
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?

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.

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

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).

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

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.

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 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 ↗
🔥 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
1. Pick Your Side on KFFB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
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.

LIVE TAPE