Quantisnow report covering Kentucky First Federal Bancorp (KFFB) market action, institutional positioning, and fundamental catalysts.
Why KFFB Stock surged +3.65% Today — RQD Quant Desk Flash
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.
🤖 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.
🤖 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).
🤖 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 66% of 52W Range • RSI-14 at 45.2 (NEUTRAL RANGE)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9
Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
⚔️ Adversarial Opposing Case: What Could Spark a KFFB Turnaround Squeeze
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.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($5.64) and Max Pain ($5.82) forces dealer call-delta covering toward $6.78.
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.
Why KFFB Stock surged +3.65% Today — RQD Quant Desk Flash
Kentucky First Federal Bancorp (KFFB) surged +3.65% to $5.54, trading at 66% of its 52-week range ($3.76 – $6.46). Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 66% of its 52-week range ($3.76 – $6.46) with RSI-14 at 45.2 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±7.8% around $5.54 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D- (Sell) backed by 52% gross margin and $0 annual free cash flow.
Moomoo report covering Kentucky First Federal Bancorp (KFFB) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering Kentucky First Federal Bancorp (KFFB) market action, institutional positioning, and fundamental catalysts.
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%
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
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
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
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
Major stock indexes in the United States have recently experienced a surge, driven by gains in technology shares and positive economic indicators. While the term "penny stocks" might seem outdated, it still refers to sha
As the U.S. stock market faces a period of volatility, with major indices like the S&P 500 experiencing consecutive declines amid pressure on tech stocks, investors are increasingly looking for opportunities beyond well-
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
KFFB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +0.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on KFFB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for KFFB. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (KFFB)
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 ENABLEDIs 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).
KFFB — Kentucky First Federal Bancorp: What the Facts Mean to a Prospective Investor
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
Quantisnow report covering Kentucky First Federal Bancorp (KFFB) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering Kentucky First Federal Bancorp (KFFB) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering Kentucky First Federal Bancorp (KFFB) market action, institutional positioning, and fundamental catalysts.
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%
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
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
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
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
KFFB Bull vs. Bear Conversation Board — What's Your Call at $5.54?
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.
@RiskArb_Desk Shorting a 9/20 institutional whale-flow stock at $5.34 is dangerous when funds are rotating into Financials.
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.