Financial Snapshot

Revenue
$8.100M
TTM
Gross Margin
Net Earnings
-$1.560M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$48.22M
Q3 2024
Cash
Q3 2024
P/E
-13.37
Nov 13, 2024 EST
Free Cash Flow
-$2.338M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Revenue $12.76M $10.91M $12.15M $11.63M $12.39M $13.15M $11.96M $10.16M
YoY Change 16.9% -10.19% -6.09% -5.79% 9.97% 17.74%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Revenue $12.76M $10.91M $12.15M $11.63M $12.39M $13.15M $11.96M $10.16M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $234.0K $255.0K $285.0K $290.0K $280.0K $280.0K $310.0K $340.0K $321.0K $278.0K $288.0K $231.0K $280.0K $320.0K $300.0K $310.0K $150.0K $150.0K $170.0K $110.0K $80.00K $120.0K
YoY Change -8.24% -10.53% -1.72% 3.57% 0.0% -9.68% -8.82% 5.92% 15.47% -3.47% 24.68% -17.5% -12.5% 6.67% -3.23% 106.67% 0.0% -11.76% 54.55% 37.5% -33.33% -14.29%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Interest Expense $3.902M $1.754M $2.141M $1.360M $1.428M $1.618M $1.686M $2.179M
YoY Change 122.46% -18.08% -4.76% -11.74% -4.03% -22.63%
% of Operating Profit
Other Income/Expense, Net $8.856M $9.160M $10.01M
YoY Change -3.32% -8.5%

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Pretax Income -$1.960M $1.227M $2.067M $2.170M -$12.28M $950.0K $1.290M $1.450M $2.097M $3.090M $2.886M $4.224M $2.555M $1.860M $600.0K $1.910M $1.370M $1.300M $2.310M $2.500M $1.150M $1.590M
YoY Change -259.74% -40.64% -4.75% -117.67% -1392.63% -26.36% -11.03% -30.85% -32.14% 7.07% -31.68% 65.32% 37.37% 210.0% -68.59% 39.42% 5.38% -43.72% -7.6% 117.39% -27.67% 10.42%
Income Tax -$239.0K $294.0K $477.0K $350.0K $260.0K $140.0K $230.0K $510.0K $596.0K $1.021M $950.0K $1.310M $840.0K $100.0K $200.0K $1.180M $440.0K $420.0K $720.0K $870.0K $390.0K $540.0K
% Of Pretax Income 23.96% 23.08% 16.13% 14.74% 17.83% 35.17% 28.42% 33.04% 32.92% 31.01% 32.88% 5.38% 33.33% 61.78% 32.12% 32.31% 31.17% 34.8% 33.91% 33.96%
Net Earnings -$1.721M $933.0K $1.590M $1.820M -$12.55M $810.0K $1.320M $940.0K $1.501M $2.069M $1.934M $2.916M $1.715M $1.760M $400.0K $730.0K $930.0K $890.0K $1.590M $1.630M $760.0K $1.050M
YoY Change -284.46% -41.32% -12.64% -114.5% -1649.38% -38.64% 40.43% -37.38% -27.45% 6.98% -33.68% 70.03% -2.56% 340.0% -45.21% -21.51% 4.49% -44.03% -2.45% 114.47% -27.62% 10.53%
Net Earnings / Revenue 7.31% 14.57% 14.98% 12.9% 16.7% 14.71% 24.39% 16.89%
Basic Earnings Per Share -$0.21 $0.11 $0.19 $0.22
Diluted Earnings Per Share -$0.21 $0.11 $193.6K $221.4K -$1.521M $97.12K $157.7K $112.6K $180.3K $247.9K $230.6K $367.3K $227.8K $234.0K $52.98K $97.20K $120.2K $111.4K $193.7K $189.5K $88.37K $122.1K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $4.267M $4.400M $4.563M $4.700M $4.900M $5.000M $5.700M $5.800M $6.000M $5.200M $4.600M $4.600M $2.600M $2.700M $2.700M $2.800M $2.700M $2.800M $2.900M $3.000M $200.0K $200.0K
YoY Change -3.02% -3.57% -2.91% -4.08% -2.0% -12.28% -1.72% -3.33% 15.38% 13.04% 0.0% 76.92% -3.7% 0.0% -3.57% 3.7% -3.57% -3.45% -3.33% 1400.0% 0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $0.00 $200.0K $0.00
YoY Change -100.0%
Total Long-Term Assets
YoY Change
Total Assets $375.0M $349.0M $328.1M $338.1M $321.1M $330.8M $318.4M $308.5M $291.9M $296.3M $299.7M $324.1M $222.9M $226.1M $236.9M $240.9M $247.7M $268.9M $261.9M $273.9M $139.8M $136.1M
YoY Change
Accounts Payable $176.0K $100.0K $12.00K $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $100.0K $100.0K $100.0K $200.0K $200.0K $400.0K $300.0K $200.0K $1.000M $600.0K
YoY Change 76.0% 733.33% -100.0% 0.0% 0.0% -50.0% 0.0% -50.0% 33.33% 50.0% -80.0% 66.67%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $176.0K $100.0K $12.00K $100.0K $100.0K $100.0K $300.0K $300.0K $200.0K $400.0K $300.0K $200.0K $1.000M $600.0K
YoY Change 76.0% 733.33% 0.0% -66.67% 0.0% 50.0% -50.0% 33.33% 50.0% -80.0% 66.67%
Long-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $1.844M $1.300M $2.132M $1.400M $1.400M $1.200M $2.000M $2.000M $1.900M $2.000M $1.900M $1.300M $1.200M $700.0K $700.0K $700.0K $600.0K $800.0K $900.0K $1.100M
YoY Change 41.85% -39.02% 52.29% 0.0% 16.67% -40.0% 0.0% 5.26% -5.0% 5.26% 46.15% 8.33% 71.43% 0.0% 0.0% 16.67% -25.0% -11.11% -18.18%
Total Long-Term Liabilities $1.844M $1.300M $2.132M $1.400M $1.400M $1.200M $2.000M $2.000M $1.900M $2.000M $1.900M $1.300M $1.200M $700.0K $700.0K $700.0K $600.0K $800.0K $900.0K $1.100M $0.00 $0.00
YoY Change 41.85% -39.02% 52.29% 0.0% 16.67% -40.0% 0.0% 5.26% -5.0% 5.26% 46.15% 8.33% 71.43% 0.0% 0.0% 16.67% -25.0% -11.11% -18.18%
Total Liabilities $327.0M $298.3M $276.1M $285.8M $269.2M $264.5M $251.2M $241.3M $224.4M $229.0M $232.5M $257.4M $164.1M $167.4M $179.1M $182.4M $187.9M $207.5M $198.1M $208.0M $108.8M $105.4M
YoY Change 9.61% 8.06% -3.41% 6.17% 1.78% 5.29% 4.1% 7.53% -2.01% -1.51% -9.67% 56.86% -1.97% -6.53% -1.81% -2.93% -9.45% 4.75% -4.76% 91.18% 3.23%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Basic Shares Outstanding 8.099M shares 8.132M shares 8.213M shares 8.216M shares 8.324M shares 8.349M shares 8.375M shares 7.950M shares 7.546M shares
Diluted Shares Outstanding 8.099M shares 8.132M shares 8.213M shares 8.216M shares 8.324M shares 8.349M shares 8.375M shares 7.950M shares 7.546M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $20.864 Million

About Kentucky First Federal Bancorp

Kentucky First Federal Bancorp is a bank holding company, which engages in the provision of banking products and services through its subsidiaries. The company is headquartered in Hazard, Kentucky and currently employs 60 full-time employees. The company went IPO on 2005-03-03. The company also operates First Federal of Kentucky as independent, community-oriented saving institution. First Federal of Kentucky is a federally chartered savings bank, which is engaged in the business of accepting deposits from the general public and originating primarily adjustable-rate loans secured by first mortgages on owner-occupied and nonowner-occupied one-to-four-family residences in Franklin, Boyle, Garrard and other counties in Kentucky. First Federal of Kentucky also originates, to a lesser extent, home equity loans and loans secured by churches, multi-family properties, professional office buildings and other types of property.

Industry: Savings Institution, Federally Chartered Peers: Catalyst Bancorp Inc CFSB Bancorp Inc First Seacoast Bancorp IF Bancorp Inc NSTS Bancorp Inc Rocket Companies Inc