What is the 13F Pro Quality Score for KFFB?

13F Pro ranks Kentucky First Federal Bancorp (KFFB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View KFFB's current score at https://13fpro.ai/company/KFFB (free sign-up required for the full ranking).

Which hedge funds own the most KFFB stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of KFFB include TI-,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/KFFB as soon as new 13F filings post.

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.

What sector is KFFB in?

Kentucky First Federal Bancorp (KFFB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives KFFB's revenue?

Per Kentucky First Federal Bancorp's latest 10-Q filed with the SEC on 2026-05-15, the biggest revenue drivers are: Loans ($5.0M, +11.2% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/KFFB.

What are KFFB's largest expenses?

Kentucky First Federal Bancorp's latest 10-Q reports these as the largest expense items: Interest expense on deposits ($1.9M, -9.6% YoY); Employee compensation and benefits ($1.3M, +6.5% YoY). Sourced directly from SEC EDGAR filing text for Q3 FY2026 (three months ended March 31, 2026).

How often is KFFB research updated on 13F Pro?

KFFB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Kentucky First Federal Bancorp(KFFB)Stock Analysis

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SEC EDGAR: CIK 1297341 KFFB stock profile & AI dashboard →

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

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Why KFFB Scores 55/100

exact factor attribution · 2026-09-11

KFFB's composite is driven by revenue growth and profitability, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.3 pts

81th pct

Profitability

+5.3 pts

77th pct

Shareholder dilution

+3.0 pts

95th pct

Earnings growth

+1.7 pts

75th pct

Free cash flow

+0.3 pts

52th pct

Institutional flow

-1.5 pts

27th pct

Capital efficiency

-1.8 pts

36th pct

Earnings quality

-2.7 pts

23th pct

Scale

-9.5 pts

2th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

KFFB Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Kentucky First Federal Bancorp (KFFB), 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.

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

AI-extracted from Kentucky First Federal Bancorp's 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 →Share on X

Revenue

Q1 2026

$3.0M

Net Income

Q1 2026

$581.0K

Free Cash Flow

Q1 2026

$823.0K

Operating Margin

Q1 2026

25.1%

ROIC

Q1 2026

6.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+22.0% YoY

$8.8MFY 2025

FY22 $9.7MFY23 $9.2MFY24 $7.2MFY25 $8.8M

Net Income

+110.5% YoY

$181.0KFY 2025

FY22 $1.6MFY23 $933.0KFY24 $-1.7MFY25 $181.0K

EPS (Diluted)

+109.5% YoY

$0.02FY 2025

FY22 $0.19FY23 $0.11FY24 $-0.21FY25 $0.02

Total Assets

-1.0% YoY

$371.2MFY 2025

FY22 $328.1MFY23 $349.0MFY24 $375.0MFY25 $371.2M

Op. Cash Flow

+94.1% YoY

$-86.0KFY 2025

FY22 $2.6MFY23 $1.2MFY24 $-1.5MFY25 $-86.0K

Free Cash Flow

+84.5% YoY

$-235.0KFY 2025

FY22 $2.5MFY23 $1.0MFY24 $-1.5MFY25 $-235.0K

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$8.8M +22.0%	$7.2M -20.9%	$9.2M -5.3%	$9.7M -8.8%	$10.6M +9.1%	$9.7M
Net Income	$181.0K +110.5%	$-1.7M -284.5%	$933.0K -41.3%	$1.6M -12.6%	$1.8M +114.5%	$-12.5M
EPS (Diluted)	$0.02 +109.5%	$-0.21 -290.9%	$0.11 -42.1%	$0.19 -13.6%	$0.22	—
Total Assets	$371.2M -1.0%	$375.0M +7.4%	$349.0M +6.4%	$328.1M -3.0%	$338.1M +5.3%	$321.1M
Operating Cash Flow	$-86.0K +94.1%	$-1.5M -226.2%	$1.2M -56.4%	$2.6M +67.0%	$1.6M +51.7%	$1.0M
Free Cash Flow	$-235.0K +84.5%	$-1.5M -248.3%	$1.0M -58.8%	$2.5M +68.2%	$1.5M +68.8%	$877.0K

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Available Research

13F Pro tracks comprehensive data for Kentucky First Federal Bancorp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of KFFB

TI-TRUST, INC
$431.5K84,933 sh
DIMENSIONAL FUND ADVISORS LP
$409.7K80,642 sh
VANGUARD CAPITAL MANAGEMENT LLC
$280.0K55,109 sh
GEODE CAPITAL MANAGEMENT, LLC
$113.7K22,379 sh
Farmers National Bank
$112.2K22,081 sh
VANGUARD FIDUCIARY TRUST CO
$84.4K16,612 sh
CITADEL ADVISORS LLC
$60.7K11,941 sh
Kentucky Trust Co
$60.3K11,863 sh
BlackRock, Inc.
$49.5K9,744 sh
MORGAN STANLEY
$16.5K3,242 sh

Fund	Value	Shares
TI-TRUST, INC	$431.5K	84,933
DIMENSIONAL FUND ADVISORS LP	$409.7K	80,642
VANGUARD CAPITAL MANAGEMENT LLC	$280.0K	55,109
GEODE CAPITAL MANAGEMENT, LLC	$113.7K	22,379
Farmers National Bank	$112.2K	22,081
VANGUARD FIDUCIARY TRUST CO	$84.4K	16,612
CITADEL ADVISORS LLC	$60.7K	11,941
Kentucky Trust Co	$60.3K	11,863
BlackRock, Inc.	$49.5K	9,744
MORGAN STANLEY	$16.5K	3,242

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Is KFFB a good stock to buy?

13F Pro's AI-powered analysis of Kentucky First Federal Bancorp (KFFB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for KFFB are available on the KFFB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. KFFB is classified as a small company.

Which hedge funds own KFFB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling KFFB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Kentucky First Federal Bancorp's investment landscape.