KFFB is the ticker symbol for Kentucky First Federal Bancorp, a publicly traded Financials sector company listed on Nasdaq. 13F Pro tracks KFFB with AI-powered analysis, a 32-signal quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is KFFB a good stock to buy?

13F Pro's AI ranking engine scores KFFB at 55.4/100, ranked #1,254 of 2,962 stocks based on 32 fundamental signals including profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for KFFB is available at https://13fpro.ai/company/KFFB. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source KFFB data?

All Kentucky First Federal Bancorp fundamentals and ownership data come directly from SEC EDGAR. Kentucky First Federal Bancorp files with the SEC under CIK 1297341. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

Kentucky First Federal Bancorp(KFFB)— Stock Profile, AI Score & Financials

Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated 2026-03-31.

Kentucky First Federal Bancorp (KFFB) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores KFFB at 55.4/100 on a 32-signal composite quality model, placing it at rank #1,254 of 2,962 stocks — the top half of the AI-ranked universe. KFFB scores in the top quartile across revenue growth (81.3), profitability (76.5). Areas of concern include revenue scale (2.4) and earnings quality (22.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), Kentucky First Federal Bancorp reports quarterly revenue of $3.0M, net income of $581.0K, an operating margin of 25.1%. Top institutional holders of KFFB by reported 13-F value include TI, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. KFFB trades on the Nasdaq exchange and files with the SEC under CIK 1297341. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate KFFB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Kentucky First Federal Bancorp directly from SEC EDGAR.

AI Quality Score

55.4/100

AI Rank

#1,254

Revenue

$3.0M

Net Income

$581.0K

Free Cash Flow

$823.0K

Operating Margin

25.1%

KFFB key financials by period

Kentucky First Federal Bancorp reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Operating margin
FY 2025	10-K	$8.8M	$181.0K	2.7%
FY 2024	10-K	$7.2M	$-1.7M	-27.1%
FY 2023	10-K	$9.2M	$933.0K	13.4%
FY 2022	10-K	$9.7M	$1.6M	21.4%
FY 2021	10-K	$10.6M	$1.8M	20.5%
FY 2020	10-K	$9.7M	$-12.5M	-126.3%

Institutions holding KFFB

Institutional investors reporting a position in Kentucky First Federal Bancorp on SEC Form 13F.
Institution	Shares	Value	Reported
TI	84,933	$431.5K	2026-06-30
DIMENSIONAL FUND ADVISORS	80,642	$409.7K	2026-06-30
VANGUARD CAPITAL MANAGEMENT	55,109	$280.0K	2026-06-30
GEODE CAPITAL MANAGEMENT	22,379	$113.7K	2026-06-30
Farmers National Bank	22,081	$112.2K	2026-06-30
VANGUARD FIDUCIARY	16,612	$84.4K	2026-06-30
CITADEL ADVISORS	11,941	$60.7K	2026-06-30
Kentucky	11,863	$60.3K	2026-06-30
BlackRock	9,744	$49.5K	2026-06-30
MORGAN STANLEY	3,242	$16.5K	2026-06-30

SEC EDGAR: CIK 1297341 →

Kentucky First Federal Bancorp

KFFB

NasdaqSmall CapFinancials

13F Pro Quality Score

55.4/100

Rank #1,254 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

81.3/100

Profitability

76.5/100

Balance Sheet

36.2/100

Earnings Quality

22.9/100

Free Cash Flow

52.3/100

Institutional Flow

27.1/100

Revenue Scale

2.4/100

Dilution Risk

94.7/100

Price Chart

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What's Driving KFFB's Business? Latest 10-Q Breakdown

AI-extracted from the 10-Q filed 2026-05-15 — Q3 FY2026 (three months ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $581K on 34.5% QoQ rise in net interest income, driven by wider spread and lower funding costs as rates normalize.

Biggest Revenue Drivers

Loans$5.0M+11.2% YoY

Average rate earned on loans increased 62 basis points to 5.97% despite flat loan balances.

Biggest Revenue Drivers

Total revenue: $5.3M+8.5% YoY

Loans$5.0M+11.2% YoY

Average rate earned on loans increased 62 basis points to 5.97% despite flat loan balances.

Largest Expense Items

Interest expense on deposits$1.9M-9.6% YoY

CD rates decreased 55 basis points to 3.62%; demand deposit costs rose 139 basis points to 0.67%.

Employee compensation and benefits$1.3M+6.5% YoY

Annual performance-based adjustments and higher health insurance costs.

Margins: Net interest margin expanded 82 basis points YoY to 3.14% for the quarter, reflecting rising loan yields (+62 bps) and lower deposit/borrowing costs as the company benefits from repricing in a declining rate environment. Net interest spread widened to 2.70% from 1.85%.

Watch Items from the Filing

Non-performing loans decreased to $2.4M (0.7% of portfolio) from $3.9M (1.2%) at June 30, 2025; allowance for credit losses of $2.2M covered 92.3% of non-performing loans, an improvement from 54.1%.
First Federal of Kentucky's formal written agreement with OCC was terminated February 19, 2026, and individual minimum capital requirements were lifted; no longer in 'troubled condition.'
Dividend suspended indefinitely on January 16, 2024; no payment guidance provided; resumption dependent on earnings growth, regulatory approval, and internal capital generation.
Assets grew modestly to $374.5M (+0.9% since June 30, 2025); loans relatively flat, suggesting limited organic growth momentum in the market.
Brokered certificates of deposit decreased $5.7M (12.9%) while national market deposits increased $4.1M, indicating shift toward lower-cost funding; deposit base overall declined $3.9M.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →