Fundamental Analysis of KENTUCKY FIRST FEDERAL BANCO(NASDAQ:KFFB) stock

Fundamental Rating

Overall KFFB gets a fundamental rating of 1 out of 10. We evaluated KFFB against 405 industry peers in the Banks industry. KFFB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. KFFB does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year KFFB has reported negative net income.

KFFB had a negative operating cash flow in the past year.

In multiple years KFFB reported negative net income over the last 5 years.

KFFB had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

KFFB has a worse Return On Assets (-0.42%) than 95.98% of its industry peers.

KFFB has a Return On Equity of -3.24%. This is amonst the worse of the industry: KFFB underperforms 94.97% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.42%
ROE	-3.24%
ROIC	N/A

ROA(3y)0.1%

ROA(5y)-0.62%

ROE(3y)0.44%

ROE(5y)-3.88%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for KFFB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

KFFB does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for KFFB remains at a similar level compared to 1 year ago.

KFFB has less shares outstanding than it did 5 years ago.

KFFB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

There is no outstanding debt for KFFB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.19%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

KFFB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -430.09%.

KFFB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.46%.

The Revenue has been decreasing by -5.65% on average over the past years.

EPS 1Y (TTM)-430.09%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%91.44%

Revenue 1Y (TTM)-10.46%

Revenue growth 3Y-11.94%

Revenue growth 5Y-5.65%

Sales Q2Q%15.08%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for KFFB. In the last year negative earnings were reported.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

KFFB does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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KENTUCKY FIRST FEDERAL BANCO

NASDAQ:KFFB (1/13/2025, 8:00:02 PM)

2.92

-0.08 (-2.67%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-08 2024-11-08/amc

Earnings (Next)01-31 2025-01-31

Inst Owners2.62%

Inst Owner Change0%

Ins Owners1.97%

Ins Owner Change0%

Market Cap23.62M

Analysts0

Price TargetN/A

Short Float %0.38%

Short Ratio1.24

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)-13.65%

DP-21.46%

Div Incr Years0

Div Non Decr Years18

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	3.15
P/FCF	N/A
P/OCF	N/A
P/B	0.49
P/tB	0.49
EV/EBITDA	N/A

EPS(TTM)-0.19

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-0.29

FCFYN/A

OCF(TTM)-0.28

OCFYN/A

SpS0.93

BVpS5.96

TBVpS5.96

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.42%
ROE	-3.24%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)0.1%

ROA(5y)-0.62%

ROE(3y)0.44%

ROE(5y)-3.88%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score1

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	20.61%
Cap/Sales	0.63%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score1

WACC11.19%

ROIC/WACCN/A

Cap/Depr(3y)43.31%

Cap/Depr(5y)45.03%

Cap/Sales(3y)1.29%

Cap/Sales(5y)1.31%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-430.09%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%91.44%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-10.46%

Revenue growth 3Y-11.94%

Revenue growth 5Y-5.65%

Sales Q2Q%15.08%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-399.74%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-341.16%

OCF growth 3YN/A

OCF growth 5YN/A

KENTUCKY FIRST FEDERAL BANCO (KFFB)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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