Kentucky First Federal Bancorp
NASDAQ: KFFB · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-09-11
Kentucky First Federal Bancorp (KFFB) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $13.12M | $13.27M | $12.47M | $11.67M | $10.99M | $10.30M | $12.53M | $13.49M | $12.90M | $12.02M | $11.68M | $12.58M | $12.93M | $13.22M | $12.75M | $11.43M | $9.16M | $16.53M | $19.65M | $21.42M |
| Revenue growth (YoY) | — | +1.1% | -6.0% | -6.4% | -5.8% | -6.3% | +21.6% | +7.7% | -4.4% | -6.8% | -2.9% | +7.7% | +2.8% | +2.2% | -3.6% | -10.4% | -19.9% | +80.5% | +18.9% | +9.0% |
| Cost of revenue | $7.46M | $7.58M | $5.95M | $6.02M | $3.85M | $2.32M | $2.35M | $2.20M | $1.77M | $1.38M | $1.70M | $2.35M | $3.26M | $3.60M | $2.33M | $1.69M | $4.01M | $9.31M | $10.94M | $9.92M |
| Gross profit | $5.67M | $5.70M | $6.52M | $5.64M | $7.14M | $7.98M | $10.18M | $11.30M | $11.13M | $10.65M | $9.98M | $10.23M | $9.67M | $9.62M | $10.42M | $9.73M | $9.16M | $7.22M | $8.71M | $11.50M |
| Gross margin | 43.2% | 43.0% | 52.3% | 48.4% | 65.0% | 77.5% | 81.3% | 83.7% | 86.3% | 88.6% | 85.5% | 81.3% | 74.8% | 72.8% | 81.7% | 85.2% | 100.0% | 43.7% | 44.3% | 53.7% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — | — |
| SG&A | $2.95M | $3.22M | $3.51M | $3.92M | $3.69M | $3.89M | $5.14M | $6.18M | $5.72M | $6.08M | $6.12M | $6.56M | $6.64M | $6.40M | $6.56M | $4.92M | $5.03M | $5.23M | $5.20M | — |
| Operating income | $1.30M | $1.37M | $1.91M | $604000.00 | $1.86M | $2.56M | $4.22M | $2.89M | $3.09M | $2.10M | $1.45M | $1.29M | $953000.00 | $-12.28M | $2.17M | $2.07M | $1.23M | $-1.96M | $238000.00 | $2.50M |
| Operating margin | 9.9% | 10.3% | 15.3% | 5.2% | 16.9% | 24.8% | 33.7% | 21.4% | 23.9% | 17.4% | 12.4% | 10.2% | 7.4% | -92.9% | 17.0% | 18.1% | 13.4% | -11.9% | 1.2% | 11.7% |
| EBITDA | $1.15M | $1.65M | $2.22M | $907000.00 | $2.18M | $2.83M | $4.46M | $3.17M | $3.37M | $2.42M | $1.78M | $1.59M | $1.24M | $-12.01M | $2.46M | $2.35M | $1.48M | $-1.73M | $439000.00 | $2.50M |
| EBITDA margin | 8.8% | 12.4% | 17.8% | 7.8% | 19.8% | 27.5% | 35.6% | 23.5% | 26.1% | 20.1% | 15.3% | 12.7% | 9.5% | -90.8% | 19.3% | 20.6% | 16.2% | -10.4% | 2.2% | 11.7% |
| EBIT | $1.30M | $1.37M | $1.91M | $604000.00 | $1.86M | $2.56M | $4.22M | $2.89M | $3.09M | $2.10M | $1.45M | $1.29M | $953000.00 | $-12.28M | $2.17M | $2.07M | $1.23M | $-1.96M | $238000.00 | — |
| Interest expense | $7.46M | $7.57M | $5.90M | $4.98M | $3.18M | $2.18M | $1.69M | $1.62M | $1.43M | $1.36M | $1.46M | $2.16M | $3.25M | $3.50M | $2.14M | $1.75M | $3.90M | $9.28M | $10.90M | $9.68M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $885000.00 | $932000.00 | $728000.00 | $401000.00 | $1.76M | $1.72M | $2.92M | $1.93M | $2.07M | $1.50M | $935000.00 | $1.32M | $812000.00 | $-12.55M | $1.82M | $1.59M | $933000.00 | $-1.72M | $181000.00 | $1.91M |
| Net income growth (YoY) | — | +5.3% | -21.9% | -44.9% | +337.9% | -2.3% | +70.0% | -33.7% | +7.0% | -27.5% | -37.7% | +41.5% | -38.6% | -1645.2% | +114.5% | -12.6% | -41.3% | -284.5% | +110.5% | +954.7% |
| Profit margin | 6.7% | 7.0% | 5.8% | 3.4% | 16.0% | 16.7% | 23.3% | 14.3% | 16.0% | 12.5% | 8.0% | 10.5% | 6.3% | -94.9% | 14.3% | 13.9% | 10.2% | -10.4% | 0.9% | 8.9% |
Frequently asked questions
What is Kentucky First Federal Bancorp's revenue?
Kentucky First Federal Bancorp's trailing twelve-month revenue is $11.50M. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is KFFB?
In its most recent fiscal year, KFFB ran a gross margin of 53.70%, an operating margin of 11.69%, and a net margin of 8.91%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
Is KFFB's balance sheet healthy?
KFFB holds $16.48M in cash and equivalents against — in long-term debt, on $50.29M of shareholder equity. That debt is best read against the cash flow the business throws off each year.