Kentucky First Federal Bancorp
Market Cap
US$62.9m
Last Updated
2019/08/24 23:56 UTC
Data Sources
Company Financials
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
| KFFB | Industry | Market | |
|---|---|---|---|
| 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 Year | 4.0%-9.7% | 29.8%21.1% | 38.1%29.1% |
| 5 Year | 11.9%-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
5 days ago | Simply Wall St
How Should Investors React To Kentucky First Federal Bancorp's (NASDAQ:KFFB) CEO Pay?1 month ago | Simply Wall St
Imagine Owning Kentucky First Federal Bancorp (NASDAQ:KFFB) And Wondering If The 12% Share Price Slide Is Justified2 months ago | Simply Wall St
What Kind Of Investor Owns Most Of Kentucky First Federal Bancorp (NASDAQ:KFFB)?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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| KFFB | NasdaqGM (Nasdaq Global Market) | Yes | Common Stock | US | USD | Mar 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/24 23:56 |
| End of Day Share Price | 2019/08/20 00:00 |
| Earnings | 2019/03/31 |
| Annual Earnings | 2018/06/30 |
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.