Kentucky First Federal Bancorp financial statements
Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data Kentucky First Federal Bancorp files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2016
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Revenue
0.02
0.02
0.02
Interest expense
1.36
1.46
2.16
3.25
3.5
2.14
1.75
3.9
Other non-operating income
9.45
9.32
10
9.16
8.86
Pre-tax income
2.1
1.45
1.29
0.95
-12.3
2.17
2.07
1.23
-1.96
0.24
Income tax
0.6
0.51
-0.04
0.14
0.26
0.35
0.48
0.29
-0.24
0.06
Net income
1.5
0.94
1.32
0.81
-12.5
1.82
1.59
0.93
-1.72
0.18
EPS, basic
0.18
0.11
0.16
0.10
-1.52
0.22
0.19
0.11
-0.21
0.02
EPS, diluted
0.18
0.11
0.16
0.10
-1.52
0.22
0.19
0.11
-0.21
0.02
Shares, basic (weighted)
8.32
8.35
8.37
8.34
8.25
8.22
8.21
8.13
8.1
8.1
Shares, diluted (weighted)
8.32
8.35
8.37
8.34
8.25
8.22
8.21
8.13
8.1
8.1
Dividend per share
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.20
Balance sheet
FY2016
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Cash and equivalents
13.1
12.8
9.94
9.86
13.7
21.6
25.8
8.17
18.3
19.5
Property, plant and equipment
6.02
5.81
5.65
5.03
4.92
4.7
4.56
4.44
4.27
4.21
Goodwill
14.5
14.5
14.5
14.5
0.95
0.95
0.95
0.95
Total assets
292
308
318
331
321
338
328
349
375
371
Total liabilities
224
241
251
264
269
286
276
298
327
323
Paid-in capital
34.6
35.1
35.1
35.1
35
34.9
34.9
34.9
34.9
34.9
Retained earnings
34.7
34.2
34.1
33.9
19.9
20.4
20.6
20.1
17.3
17.5
Treasury stock
-0.94
-1.36
-1.36
-2.26
-2.8
-2.97
-3.51
-3.97
-3.97
-3.97
Other comprehensive income
0.03
0
0
0
-0.43
-0.34
-0.15
Shareholders' equity
67.5
67.1
67.2
66.3
51.9
52.3
52
50.7
48
48.4
Total equity
67.5
67.1
67.2
66.3
51.9
52.3
52
50.7
48
48.4
Total liabilities and equity
292
308
318
331
321
338
328
349
375
371
Cash flow statement
FY2016
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Net income
1.5
0.94
1.32
0.81
-12.5
1.82
1.59
0.93
-1.72
0.18
Depreciation and amortization
0.32
0.34
0.31
0.28
0.28
0.29
0.29
0.26
0.23
0.2
Deferred income tax
-0.23
-0.29
-0.15
Change in payables
0.07
0.05
-0.03
Cash from operations
1.45
2.1
1.15
1
1.04
1.58
2.64
1.15
-1.45
-0.09
Capital expenditures
-1.11
-0.12
-0.15
-0.15
-0.17
-0.1
-0.15
-0.13
-0.07
-0.15
Purchases of investments
-0.99
-10.4
-4.97
-2.99
Sales and maturities of investments
0.01
0.01
0.02
0
0.5
0.51
0
2.84
2.58
3.16
Cash from investing
3.93
-17.9
-12.6
-12.6
0.24
-8.85
13.3
-39.5
-16.6
6.12
Share buybacks
0
-0.46
Dividends paid
-1.48
-1.49
-1.45
-1.44
-1.39
-1.39
-1.39
-1.36
-0.67
Cash from financing
-5.91
15.5
8.57
11.5
2.56
15.2
-11.8
20.7
28.2
-4.84
Net change in cash
-0.53
-0.3
-2.86
-0.08
3.84
7.95
4.18
-17.7
10.1
1.19
Free cash flow
0.34
1.97
1
0.85
0.88
1.48
2.49
1.03
-1.52
-0.24
Interest paid
1.45
1.49
2.16
3.25
3.5
2.15
1.76
3.84
Income taxes paid
0.71
0.4
0.3
0.1
0.48
0.55
0.29
0.13
0.02
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to March 31, 2026; growth uses fiscal years. Valuation uses the share price of $5.58 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
24.0%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
2.8%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.4%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income CAGR, 3y
-51.5%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 3y
-52.8%
Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y
0.8%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
-2.4%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y
-1.4%
Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y
-1.0%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
4.2%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y
2.9%
Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y
0.0%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y
-0.5%
Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y
-0.4%
Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
12.5%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$0.17
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$0.11
Free cash flow / diluted weighted shares.
Operating cash flow per share
$0.13
Cash from operations / diluted weighted shares.
Book value per share
$6.14
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/E
32.1x
Market cap / net income. Only when net income is positive.
P/B
0.91x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.91x
Market cap / tangible book value, when positive.
P/FCF
48.6x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
42.5x
Market cap / cash from operations, when positive.
EV/FCF
25.6x
Enterprise value / free cash flow, when both are positive.
FCF yield
2.1%
Free cash flow / market cap.
Earnings yield
3.1%
Net income / market cap (the inverse of P/E).
Was Kentucky First Federal Bancorp profitable in fiscal 2025?
Yes. Net income was $181.0K, a net margin of -.
How much free cash flow did Kentucky First Federal Bancorp generate in fiscal 2025?
Cash from operations of $86.0K minus capital expenditures of $149.0K left free cash flow of -$235.0K.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.