Reported Q: Q3 2025 Rev YoY: +159.0% EPS YoY: +107.6% Move: +5.87%
Kentucky First Federal
KFFB
$4.87 5.87%
Exchange NASDAQ Sector Financial Services Industry Banks Regional
Q3 2025
Published: May 15, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for KFFB

Reported

Report Date

May 15, 2025

Quarter Q3 2025

Revenue

4.85M

YoY: +159.0%

EPS

0.00

YoY: +107.6%

Market Move

+5.87%

Previous quarter: Q2 2025

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Earnings Highlights

  • Revenue of $4.85M up 159% year-over-year
  • EPS of $0.00 increased by 107.6% from previous year
  • Gross margin of 44.0%
  • Net income of 7.00K
  • "Transcript not available in the provided dataset." - N/A
KFFB
Company KFFB

Executive Summary

Kentucky First Federal Bancorp (KFFB) reported QQ3 2025 results with total revenue of 4.846 million and net income of 7 thousand, translating to a net margin of 0.14%. The quarter shows a material divergence between operating results and EBITDA: operating income was a negative 45 thousand despite EBITDA of 2.936 million, reflecting a very high interest expense of 2.715 million and non-operating contributions that partially offset the bottom line. Year-over-year, revenue grew ~159%, and net income rose by ~106% versus the prior-year period, while the quarter-over-quarter metrics show a general deceleration in revenue (-2.2%) and a meaningful squeeze in net income (-46.15%). The balance sheet remains liquidity-rich, with total assets of 380.7 million and sizable investments (long-term investments of ~331.0 million) supporting a robust cash position, yet profitability remains a challenge due to elevated interest costs and a concentrated earnings base. The stock trades at a price-to-book of ~0.50, implying a potential undervaluation relative to book value, but the market appears to be discounting earnings risk given the limited earnings power in the near term.

Key Performance Indicators

Revenue
Increasing
4.85M
QoQ: -2.20% | YoY: 159.01%
Gross Profit
Decreasing
2.13M
43.97% margin
QoQ: -3.53% | YoY: -49.87%
Operating Income
Increasing
-45.00K
QoQ: -850.00% | YoY: 68.97%
Net Income
Increasing
7.00K
QoQ: -46.15% | YoY: 106.54%
EPS
Increasing
0.00
QoQ: -37.50% | YoY: 107.58%

Revenue Trend

Margin Analysis

Historical Earnings Comparison

PeriodRevenue ($M)EPS ($)YoY GrowthReport
Q3 2025 4.85 0.00 +159.0% View
Q2 2025 4.96 0.00 +25.4% View
Q1 2025 2.01 0.00 -46.3% View
Q4 2024 1.92 -0.13 -4.0% View
Q3 2024 1.87 -0.01 -11.5% View