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KFFB on Nasdaq

Kentucky First Federal Bancorp

Kentucky First Federal Bancorp is a savings institution company, listed on Nasdaq (KFFB).1 It is headquartered in Hazard, Kentucky.1

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Last updated Oct 21, 2026.

Overview

$181.0KNet income, fiscal 20252

Compare with Magnolia Bancorp, Inc., Western New England Bancorp, Inc. or Broadway Federal Bank, or pick any stock.

  • TickerKFFB on Nasdaq1
  • IndustrySavings Institution, Federally Chartered1
  • HeadquartersHazard, Kentucky1
  • Business address479 Main Street, Hazard, Ky 417023
  • Filer categoryNon-accelerated filer, Smaller reporting company3

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County has a population of approximately 18,090. The primary sources of employment are education, health care, retail, and construction.5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2019

5413.3%Net margin6
-11.8%Revenue growth, 20197
1.2%Return on equity8
$854.0KFree cash flow6

Where the money goes

Where each dollar of revenue went, fiscal 2019

  • Interest77¢$3.3M
  • Income tax3¢$141.0K
  • Profit19¢$812.0K

Out of $15.0K in revenue.76

Where each dollar of operating cash went, fiscal 2019

  • Capital spending9¢$148.0K
  • Dividends paid91¢$1.4M

Out of $1.0M of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.6

Financial statements

Revenue7$15.0K in 2019−12% since 2018
0$5.0K$10.0K$15.0K$20.0K2018: $17.0K$17.0K20182019: $15.0K$15.0K2019−12%
Net income76$812.0K in 2019−39% since 2018
0$500.0K$1.0M$1.5M2018: $1.3M$1.3M20182019: $812.0K$812.0K2019−39%

Every line of the income statement as filed: the last 2 fiscal years, latest first.12

Period ending2026-06-302025-06-30
Loans, including fees$19.5M$17.7M
Mortgage-backed securities$406.0K$301.0K
Interest-bearing deposits and other$856.0K$1.2M
Total interest income$20.8M$19.2M
Deposits$7.7M$8.1M
Borrowings$2.0M$2.8M
Total interest expense$9.7M$10.9M
Net interest income$11.1M$8.3M
Provision for credit losses$237.0K$39.0K
Net interest income after provision for loan losses$10.9M$8.3M
Earnings on bank-owned life insurance$88.0K$86.0K
Net gains on sales of loans$309.0K$201.0K
Other$232.0K$213.0K
Total non-interest income$629.0K$500.0K
Employee compensation and benefits$5.1M$4.8M
Data processing$1.0M$674.0K
Occupancy and equipment$564.0K$550.0K
FDIC insurance premiums$232.0K$253.0K
Voice and data communications$122.0K$136.0K
Advertising$159.0K$186.0K
Outside service fees$488.0K$511.0K
Audit and accounting$382.0K$354.0K
Franchise and other taxes$59.0K$132.0K
Foreclosure and REO expense, net$62.0K$88.0K
Regulatory assessments$134.0K$97.0K
Legal fees$167.0K$304.0K
Other non-interest expense$545.0K$433.0K
Total non-interest expense$9.0M$8.6M
Income (loss) before income taxes$2.5M$238.0K
Current$593.0K$207.0K
Deferred$2.0K-$150.0K
Total income tax expense (benefit)$595.0K$57.0K
NET INCOME$1.9M$181.0K
Basic (in Dollars per share)$0.24$0.02
Diluted (in Dollars per share)$0.24$0.02

Compare Kentucky First Federal Bancorp with another company

Corporate structure

Kentucky First Federal Bancorp sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

  • Kentucky First Federal Bancorp Hazard, Kentucky
    • Frankfort First Bancorp, Inc. Subsidiary · Delaware, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Kentucky First Federal Bancorp reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land$1.5M2 Jun 30, 2025$1.5M2 Jun 30, 20240%
Buildings and improvements$6.9M2 Jun 30, 2025$6.8M2 Jun 30, 2024+1.7%
Furniture and fixtures$2.3M2 Jun 30, 2025$2.2M2 Jun 30, 2024+1.3%
Property and equipment, before depreciation$10.7M2 Jun 30, 2025$10.6M2 Jun 30, 2024+1.4%
Accumulated depreciation$6.5M2 Jun 30, 2025$6.3M2 Jun 30, 2024+3.2%
Property and equipment, net$4.2M2 Jun 30, 2025$4.3M2 Jun 30, 2024−1.3%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$19.5M2 Jun 30, 2025$18.3M2 Jun 30, 2024+6.5%
Debt securities available for sale$9.8M2 Jun 30, 2025$9.6M2 Jun 30, 2024+1.1%
Debt securities held to maturity$103.0M2 Jun 30, 2025$213.0M2 Jun 30, 2024−51.6%
Deposits held (banks)$277.6M2 Jun 30, 2025$256.1M2 Jun 30, 2024+8.4%

Properties, in its own words

We conduct our business through seven offices. The following table sets forth certain information relating to our offices at June 30, 2026.

Year Opened/ Acquired · Owned or Leased · Net Book Value at June 30, 2026 · Approximate Square Footage

The rest of Item 2

(Dollars in thousands)

First Federal of Hazard Main Office: 655 Main Street Hazard, Kentucky 41701 · 2016 · Owned · 616 · 5,600

First Federal of Kentucky Main Office: 216 West Main Street Frankfort, Kentucky 40601 · 2005 · Owned · 811 · 14,000

194 Versailles Road Frankfort, Kentucky 40601 · 2015 · Owned · 783 · 2,700

1220 US 127 South Frankfort, Kentucky 40601 · 2005 · Owned · 429 · 2,480

340 West Main Street Danville, Kentucky 40422 · 2012 · Owned · 476 · 8,700

120 Skywatch Drive Danville, Kentucky 40422 · 2012 · Owned · 657 · 2,300

208 Lexington Street Lancaster, Kentucky 40444 · 2012 · Owned · 382 · 4,300

The net book value of our investment in premises and equipment was $4.1 million at June 30, 2026. See Note E of Notes to Consolidated Financial Statements.

Item 2 of the 10-K filed Sep 28, 2026.5

Leadership

Who has led Kentucky First Federal Bancorp, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Tony D. Whitaker2006–2012
  2. Lou Ella Farler2013–2018

Chair

  1. Tony D. Whitaker2006–2013

President

  1. Lou Ella Farler2013–2018

Chief financial officer

  1. R. Clay Hulette2010–2022
  2. Tyler Wayne Eades2024–now
2010201520202025
Board members and other officers (8)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Frankfort First Bancorp, Inc. Delaware4

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • Kentucky First Federal Bancorp IncJul 16, 2004 to Jul 16, 20043

Timeline

  1. Aug 11, 20268-K Results of operations25
  2. Jul 29, 20268-K Other events26
  3. Jun 4, 20268-K Other events27
  4. May 29, 20268-K Results of operations28
  5. May 13, 20268-K Results of operations29
  6. Feb 19, 20268-K Ended a material agreement30
  7. Feb 12, 20268-K Results of operations31
  8. Dec 15, 20258-K Executive or director change32
  9. Nov 25, 20258-K Shareholder vote33
  10. Nov 6, 20258-K Results of operations34
  11. Oct 8, 20258-K Executive or director change35
  12. Sep 25, 20258-K Results of operations36
  13. Jan 10, 2013New chief executive Lou Ella Farler becomes CEO13
  14. Aug 3, 2006New chief executive Tony D. Whitaker becomes CEO14

Calendar

Coming up

  1. Nov 5, 2026Reports results for the quarter ending Sep/202637

When it reported results

  1. Aug 11, 2026Reported quarterly or annual results25
  2. May 29, 2026Reported quarterly or annual results28
  3. May 13, 2026Reported quarterly or annual results29
  4. Feb 12, 2026Reported quarterly or annual results31
  5. Nov 6, 2025Reported quarterly or annual results34
  6. Sep 25, 2025Reported quarterly or annual results36
  7. May 13, 2025Reported quarterly or annual results38
  8. Feb 12, 2025Reported quarterly or annual results39

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

87 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 45 major events, 8 insider forms, 14 other. The latest 20:

  1. Oct 14, 2026ARS EDGAR
  2. Oct 13, 2026DEF 14A DEFINITIVE PROXY STATEMENT EDGAR
  3. Sep 28, 202610-K ANNUAL REPORT EDGAR
  4. Aug 11, 20268-K CURRENT REPORT EDGAR
  5. Jul 29, 20268-K CURRENT REPORT EDGAR
  6. Jun 4, 20268-K/A AMENDMENT NO. 1 TO FORM 8-K EDGAR
  7. May 29, 20268-K CURRENT REPORT EDGAR
  8. May 15, 202610-Q QUARTERLY REPORT EDGAR
  9. May 13, 20268-K CURRENT REPORT EDGAR
  10. Feb 19, 20268-K CURRENT REPORT EDGAR
  11. Feb 13, 202610-Q QUARTERLY REPORT EDGAR
  12. Feb 12, 20268-K CURRENT REPORT EDGAR
  13. Feb 11, 2026UPLOAD EDGAR
  14. Feb 10, 2026CORRESP EDGAR
  15. Jan 27, 2026UPLOAD EDGAR
  16. Dec 15, 20258-K CURRENT REPORT EDGAR
  17. Nov 25, 20258-K CURRENT REPORT EDGAR
  18. Nov 14, 202510-Q QUARTERLY REPORT EDGAR
  19. Nov 6, 20258-K CURRENT REPORT EDGAR
  20. Oct 17, 2025DEF 14A DEFINITIVE PROXY STATEMENT EDGAR

The 87 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

6 open-market trades by officers, directors and large owners since October 2021: 3 buys and 3 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 27, 2025JOHNSON WILLIAM HDirectorSale3,597$2.85$10.3KForm 4
Dec 23, 2024JOHNSON WILLIAM HDirectorBuy10,000$2.98$29.8KForm 4
Jan 23, 2023Ecton Walter G JrDirectorBuy16$6.65$106Form 4
Jan 19, 2023Ecton Walter G JrDirectorBuy358$6.65$2.4KForm 4
Jun 15, 2022Hulette Teresa KEVP --First Fed. of KentuckySale3,000$7.50$22.5KForm 4
Jun 15, 2022HULETTE R CLAYV.P., CFO & TreasurerSale3,000$7.50$22.5KForm 4

From Forms 4 filed with the SEC.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2026Don D. Jennings$190.0K$201.3K40
2026R. Clay Hulette$138.8K$193.8K40
2026Teresa Hulette,$115.0K$125.7K40
2025President of the Company and Chairman and Director of Operations of First Federal of Kentucky$190.0K$201.0K40
2025Executive VicePresident of First Federal of Kentucky$113.3K$123.7K40

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Ti-trust, Inc84,933$431.5K0.2%−58
Dimensional Fund Advisors LP80,642$409.7K0.0%+22
Vanguard Capital Management LLC55,109$280.0K0.0%No change
Geode Capital Management, LLC22,379$113.7K0.0%+5,713
Farmers National Bank22,081$112.2K0.0%No change
Vanguard Fiduciary Trust Co16,612$84.4K0.0%No change
Citadel Advisors LLC11,941$60.7K0.0%New
Kentucky Trust Co11,863$60.3K0.0%+870
BlackRock, Inc.9,744$49.5K0.0%New
Morgan Stanley3,242$16.5K0.0%No change
Osaic Holdings, Inc.2,446$12.4K0.0%No change
Tower Research Capital LLC (TRC)788$4.0K0.0%−222
Delta Asset Management Llc/tn603$3.1K0.0%No change
Glen Eagle Advisors, LLC225$1.1K0.0%No change
UBS Group AG26$1320.0%−132
Barclays PLC10$510.0%New
SBI Securities Co., Ltd.3$150.0%No change
Wells Fargo & Company/mn0$20.0%No change
Royal Bank Of Canada15$00.0%No change

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Kentucky First Federal Bancorp is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARKentucky First Federal Bancorp1
  • CIK0001297341
  • Employer ID (EIN)61-14848585
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company5
  • Incorporated inUnited States5
  • Fiscal year endsJune 301
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address479 Main Street, Hazard, KY 417021
  • Phone(606) 436-38601
  • Shares outstanding8,086,715 shares as of Sep 25, 20265
  • Public float$14.1M as of Dec 31, 20255
  • On EDGAR sinceJul 16, 20041
  • Filings455 in all: 8-K (179), 10-Q (65), 4 (53), 5 (26), 10-K (22), DEF 14A (22), 3 (20), ARS (10)1
    All 30 form types

    UPLOAD (8), 8-K/A (6), CORRESP (6), NT 10-Q (5), 10-Q/A (4), NT 10-K (4), 425 (3), S-1/A (3), 10-K/A (2), 4/A (2), 424B3 (2), DEFA14A (2), SE (2), 8-A12G (1), EFFECT (1), S-1 (1), S-4 (1), S-4/A (1), S-8 (1), S-8 POS (1), SC 13D (1), SC 13D/A (1)

  • Latest filingsAnnual report (10-K) Sep 28, 2026
    Quarterly report (10-Q) May 15, 2026
    Proxy statement (DEF 14A) Oct 13, 2026
    Latest 8-K (8-K) Aug 11, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.01 par value per shareKFFBThe NASDAQ Stock Market LLC

From the cover page of the 10-K filed Sep 28, 2026 (Section 12(b) of the Exchange Act).5

Risk factors and legal proceedings

The risks Kentucky First Federal Bancorp names in Item 1A of its 10-K filed Sep 28, 2026: 26 risks under these headings, as written.5

  • Interest Rate Risk
  • Rising interest rates may hurt our profits and asset values.
  • Rising interest rates may adversely affect the ability of borrowers to repay loans.
  • Risks Related to Our Lending Activities
  • Inflationary pressures and rising prices may affect our results of operations and financial condition.
  • If our allowance for credit losses is not sufficient to cover actual loan losses, our results of operations would be negatively affected.
  • A large percentage of our loans are collateralized by real estate and disruptions in the real estate market may result in losses and hurt our earnings.
  • Our concentration of residential mortgage loans exposes us to increased lending risks.
  • The distressed economy in First Federal of Hazard’s market area could hurt our profits and slow our growth.
  • Our mortgage banking revenue and the value of our mortgage servicing rights can be volatile.
  • Liquidity Risk
  • Financial challenges at other banking institutions could lead to depositor concerns that spread within the banking industry causing disruptive and destabilizing deposit outflows.
The other 17 risks
  • Insufficient liquidity or liquidity related concerns could impair our ability to fund operations, pay dividends on outstanding shares of stock, and jeopardize our financial condition, growth and prospects.
  • As the mutual holding company and majority shareholder of Kentucky First Federal Bancorp, First Federal MHC must receive the approval of the Federal Reserve Board and the members of First Federal MHC in order to waive the receipt of any dividends declared and paid by Kentucky First Federal Bancorp to its shareholders. While Kentucky First Federal has previously received such approvals, those approvals have expired. The inability to receive those approvals in the future would adversely impact Kentucky First Federal’s ability to pay dividends to its shareholders in the future.
  • Risks Related to Our Business and Industry Generally
  • Strong competition within our market areas could hurt our profits and slow growth.
  • Risks Related to Laws and Regulations
  • Regulation of the financial services industry is intense, and we may be adversely affected by changes in laws and regulations.
  • We may be unable to disclose some regulatory restrictions or limitations on our operations imposed by our regulators, even if material to our business.
  • Non-compliance with the USA PATRIOT Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions.
  • Monetary policies and regulations of the Federal Reserve Board could adversely affect our business, financial condition and results of operations.
  • We may be adversely affected by recent changes in U.S. tax laws and regulations.
  • We may be subject to more stringent capital requirements which could result in lower returns on equity, require the raising of additional capital, and limit our ability to pay dividends or repurchase shares of our common stock.
  • The Federal Reserve Board may require us to commit capital resources to support the Banks.
  • Risks Related to Accounting Matters
  • Changes in management’s estimates and assumptions may have a material impact on our consolidated financial statements and our financial condition or operating results.
  • Changes in accounting standards could affect reported earnings.
  • Risks Related to Operational Matters
  • We are subject to certain risks in connection with our use of technology.
  • Our security measures may not protect us from systems failures or interruptions.
  • We must keep pace with technological change to remain competitive.
  • Risks Related to Our Holding Company Structure
  • First Federal MHC owns a majority of our common stock and is able to exercise voting control over most matters put to a vote of stockholders, including preventing sale or merger transactions you may like or a second-step conversion by First Federal MHC.
  • Our ability to pay future dividends is subject to the ability of First Federal of Hazard and First Federal of Kentucky to make capital distributions to Kentucky First Federal and the waiver of dividends by First Federal MHC.

Legal proceedings

From time to time, we may be defendants in claims and lawsuits against us, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. We are not a party to any pending legal proceedings that we believe could have a material adverse effect on our financial condition, results of operations or cash flows.

The opening of Item 3, Legal Proceedings.5

Sources

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    SEC EDGAROther events
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    SEC EDGAROther events
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