NasdaqGM:KFFB

Stock Analysis Report

Kentucky First Federal Bancorp

Executive Summary

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc.

Snowflake

Fundamentals

Mediocre balance sheet with moderate growth potential.

Risks

  • Kentucky First Federal Bancorp is not covered by any analysts.

Share Price & News

How has Kentucky First Federal Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.7%

NasdaqGM:KFFB

-1.2%

US Mortgage

-1.6%

US Market


1 Year Return

-5.6%

NasdaqGM:KFFB

-2.8%

US Mortgage

-3.0%

US Market

KFFB underperformed the Mortgage industry which returned -2.8% over the past year.

KFFB underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

KFFBIndustryMarket
7 Day-1.7%-1.2%-1.6%
30 Day-3.2%-2.7%-5.7%
90 Day-6.6%-1.6%0.2%
1 Year-0.5%-5.6%-0.8%-2.8%-0.8%-3.0%
3 Year4.0%-9.7%29.8%21.1%38.1%29.1%
5 Year11.9%-11.4%55.3%39.0%50.8%34.1%

Price Volatility Vs. Market

How volatile is Kentucky First Federal Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Kentucky First Federal Bancorp undervalued based on future cash flows and its price relative to the stock market?

120.38x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Kentucky First Federal Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Kentucky First Federal Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

Kentucky First Federal Bancorp is overvalued based on earnings compared to the US Mortgage industry average.

Kentucky First Federal Bancorp is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Kentucky First Federal Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Kentucky First Federal Bancorp is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Kentucky First Federal Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

29.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Kentucky First Federal Bancorp is high growth as no revenue estimate data is available.

Kentucky First Federal Bancorp's earnings are expected to grow significantly at over 20% yearly.

Unable to compare Kentucky First Federal Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Kentucky First Federal Bancorp's earnings growth is expected to exceed the United States of America market average.

Kentucky First Federal Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Kentucky First Federal Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Kentucky First Federal Bancorp performed over the past 5 years?

-19.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Kentucky First Federal Bancorp's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.

Kentucky First Federal Bancorp's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Kentucky First Federal Bancorp's 1-year earnings growth is negative, it can't be compared to the US Mortgage industry average.


Return on Equity

Kentucky First Federal Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Kentucky First Federal Bancorp used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Kentucky First Federal Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Kentucky First Federal Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Kentucky First Federal Bancorp has an acceptable proportion of non-loan assets held.

Kentucky First Federal Bancorp has a low allowance for bad loans.

Kentucky First Federal Bancorp's liabilities are made up of primarily low risk sources of funding.

Kentucky First Federal Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Kentucky First Federal Bancorp has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).

Kentucky First Federal Bancorp has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is Kentucky First Federal Bancorp's current dividend yield, its reliability and sustainability?

5.30%

Current Dividend Yield


Dividend Yield and Payments Analysis

Kentucky First Federal Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Kentucky First Federal Bancorp's dividend is above the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been stable in the past 10 years.

No dividend growth in 10 years.


Current Payout to Shareholders

Dividends paid are not well covered by earnings (0.2x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Kentucky First Federal Bancorp's salary, the management and board of directors tenure and is there insider trading?

6.6yrs

Average management tenure


CEO

Don Jennings (54yo)

6.6yrs

Tenure

US$208,821

Compensation

Mr. Don D. Jennings serves the President, Chief Operating Officer and Chief Executive Officer of Kentucky First Federal BanCorp. Inc., a holding company of First Federal Savings Bank of Frankfort since Mar ...


CEO Compensation Analysis

Don's remuneration is lower than average for companies of similar size in United States of America.

Don's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

6.6yrs

Average Tenure

54yo

Average Age

The average tenure for the Kentucky First Federal Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

14.4yrs

Average Tenure

65yo

Average Age

The average tenure for the Kentucky First Federal Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Don Jennings (54yo)

    President

    • Tenure: 6.6yrs
    • Compensation: US$208.82k
  • R. Hulette (57yo)

    Vice President

    • Tenure: 14.4yrs
    • Compensation: US$188.38k
  • Teresa A. Hulette

    Executive Vice President of First Federal Savings Bank of Kentucky

    • Tenure: 0.0yrs
  • Yvonne Thornberry

    VP and Head of Loan Processing & Servicing - First Federal Savings Bank of Kentucky

    • Tenure: 0.0yrs
  • Stacey Greenawalt

    VP & Head of Residential Lending - First Federal Savings Bank of Kentucky

    • Tenure: 0.0yrs
  • Debbie Bersaglia

    VP, AVP for Lending & Secretary of First Federal Savings & Loan Association of Hazard

    • Tenure: 0.0yrs
  • Jaime Coffey (39yo)

    President & CEO of First Federal of Hazard

    • Tenure: 0.6yrs
  • Margaret Pelley

    VP & Head Teller - First Federal Savings & Loan Association of Hazard

    • Tenure: 0.0yrs
  • Wick Asbury

    Head of Lending - First Federal Savings Bank and Vice President of First Federal Saving Bank

    • Tenure: 0.0yrs
  • Lee Hockensmith

    Secretary

    • Tenure: 0.0yrs

Board Members

  • Don Jennings (54yo)

    President

    • Tenure: 6.6yrs
    • Compensation: US$208.82k
  • Bill Johnson (68yo)

    Director

    • Tenure: 6.6yrs
    • Compensation: US$153.57k
  • C. Davenport (60yo)

    Director

    • Tenure: 4.0yrs
    • Compensation: US$18.00k
  • Russell Brooks (68yo)

    VP, CFO & Director - First Federal Savings Bank of Kentucky

    • Tenure: 0.0yrs
  • Virginia R. Stump (63yo)

    VP, Lancaster Branch Manager & Director - First Federal Savings Bank of Kentucky

    • Tenure: 0.0yrs
  • David Harrod (60yo)

    Director

    • Tenure: 14.4yrs
    • Compensation: US$18.00k
  • Tony Whitaker (73yo)

    Chairman of the Board

    • Tenure: 14.4yrs
    • Compensation: US$10.80k
  • Walt Ecton (65yo)

    Director

    • Tenure: 14.4yrs
    • Compensation: US$18.00k
  • Stephen Barker (65yo)

    Director

    • Tenure: 14.4yrs
    • Compensation: US$18.00k
  • William Gorman (70yo)

    Director

    • Tenure: 9.6yrs
    • Compensation: US$18.00k

Company Information

Kentucky First Federal Bancorp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Kentucky First Federal Bancorp
  • Ticker: KFFB
  • Exchange: NasdaqGM
  • Founded: 2005
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$62.888m
  • Shares outstanding: 8.33m
  • Website: https://ffsbky.bank

Number of Employees


Location

  • Kentucky First Federal Bancorp
  • 655 Main Street
  • Hazard
  • Kentucky
  • 41702
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
KFFBNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDMar 2005

Biography

Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. that provide various banking products and services ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:56
End of Day Share Price2019/08/20 00:00
Earnings2019/03/31
Annual Earnings2018/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.