Kentucky First Federal Bancorp (KFFB)

Name: Kentucky First Federal Bancorp Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2025-12-31

Latest Quarter

2025-12-31

Revenue

$5.4M

Net Income

$304K

Operating Margin

7.5%

Free Cash Flow

-$235K

Debt / Assets

87.0%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for Kentucky First Federal Bancorp (KFFB).
Income Statement (Quarterly)	2025-12-31	2025-09-30	2025-03-31	2024-12-31
Revenue	5,354,000	5,205,000	4,846,000	4,955,000
Cost of Revenue	0	2,548,000	2,715,000	2,746,000
Gross Profit	0	2,657,000	2,131,000	2,209,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	0	43,000	1,581,000	1,335,000
Operating Expenses	0	2,204,000	2,176,000	1,335,000
Operating Income	401,000	453,000	-45,000	6,000
Interest Expense	0	2,548,000	2,715,000	2,746,000
Income Before Tax	401,000	453,000	15,000	6,000
Income Tax Expense	97,000	109,000	8,000	-7,000
Net Income	304,000	344,000	7,000	13,000
Per Share
EPS	0.04	0.04	0.00	0.00
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for Kentucky First Federal Bancorp (KFFB).
Income Statement (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Revenue	0	16,528,000	9,158,000	9,160,000	10,608,000
Cost of Revenue	0	9,307,000	0	0	0
Gross Profit	0	7,221,000	9,158,000	9,160,000	0
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	0	7,182,000	5,183,000	5,996,000	6,696,000
Operating Expenses	0	7,182,000	-7,931,000	-5,339,000	0
Operating Income	0	15,000	1,227,000	3,821,000	0
Interest Expense	0	9,283,000	3,902,000	1,754,000	2,141,000
Income Before Tax	0	-1,960,000	1,227,000	1,552,000	2,172,000
Income Tax Expense	0	-239,000	294,000	477,000	352,000
Net Income	0	-1,721,000	933,000	1,075,000	1,820,000
Per Share
EPS	0.02	-0.21	0.11	0.13	0.22
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for Kentucky First Federal Bancorp (KFFB).
Balance Sheet (Quarterly)	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Assets
Cash and Cash Equivalents	0	17,584,000	8,167,000	25,823,000
Short Term Investments	0	9,648,000	12,080,000	10,477,000
Net Receivables	0	1,169,000	902,000	649,000
Inventory	0	0	-10,185,000	-26,864,000
Total Current Assets	20,918,000	28,620,000	8,167,000	22,125,000
Property Plant Equipment	4,211,000	4,267,000	4,435,000	4,563,000
Goodwill and Intangibles	0	0	947,000	947,000
Total Assets	372,160,000	374,968,000	349,022,000	328,080,000
Liabilities
Account Payables	0	176,000	70,000	12,000
Short Term Debt	7,694,000	0	70,003,000	26,680,000
Total Current Liabilities	210,481,000	256,315,000	70,000	12,000
Long Term Debt	35,066,000	68,988,000	70,087,000	34,066,000
Total Liabilities	323,791,000	326,971,000	70,087,000	276,055,000
Shareholders Equity
Retained Earnings	17,506,000	17,325,000	20,130,000	20,560,000
Total Shareholders Equity	48,369,000	47,997,000	50,711,000	52,025,000

Balance sheet annual history for Kentucky First Federal Bancorp (KFFB).
Balance Sheet (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Assets
Cash and Cash Equivalents	0	17,584,000	8,167,000	25,823,000	16,894,000
Short Term Investments	0	9,648,000	12,080,000	10,477,000	33,000
Net Receivables	0	1,169,000	902,000	649,000	694,000
Inventory	0	0	-10,185,000	-26,864,000	0
Total Current Assets	20,918,000	28,620,000	8,167,000	22,125,000	0
Property Plant Equipment	4,211,000	4,267,000	4,435,000	4,563,000	4,697,000
Goodwill and Intangibles	0	0	947,000	947,000	947,000
Total Assets	372,160,000	374,968,000	349,022,000	328,080,000	338,063,000
Liabilities
Account Payables	0	176,000	70,000	12,000	20,000
Short Term Debt	7,694,000	0	70,003,000	26,680,000	0
Total Current Liabilities	210,481,000	256,315,000	70,000	12,000	0
Long Term Debt	35,066,000	68,988,000	70,087,000	34,066,000	56,873,000
Total Liabilities	323,791,000	326,971,000	70,087,000	276,055,000	285,767,000
Shareholders Equity
Retained Earnings	17,506,000	17,325,000	20,130,000	20,560,000	20,364,000
Total Shareholders Equity	48,369,000	47,997,000	50,711,000	52,025,000	52,296,000

Cash flow quarterly history for Kentucky First Federal Bancorp (KFFB).
Cash Flow Statement (Quarterly)	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Operating Activities
Net Income	181,000	-1,721,000	933,000	1,590,000
Depreciation & Amortization	0	234,000	255,000	285,000
Stock Based Compensation	0	0	4,000	73,000
Change in Working Capital	547,000	-319,000	111,000	-217,000
Operating Cash Flow	-86,000	-1,454,000	1,152,000	2,641,000
Investing Activities
Capital Expenditure	-149,000	-66,000	-127,000	-151,000
Investments	0	-66,000	-127,000	-151,000
Investing Cash Flow	6,123,000	-16,603,000	-39,484,000	13,333,000
Financing Activities
Debt Repayment	-26,228,000	-1,099,000	-99,279,000	-31,807,000
Common Stock Issued/Repurchased	0	0	121,291,000	-540,000
Dividends Paid	0	-670,000	-1,363,000	-1,394,000
Financing Cash Flow	-4,844,000	28,177,000	20,676,000	-11,799,000
Summary
Free Cash Flow	-235,000	-1,520,000	1,025,000	2,490,000
Net Change in Cash	1,193,000	10,120,000	-17,656,000	4,175,000

Cash flow annual history for Kentucky First Federal Bancorp (KFFB).
Cash Flow Statement (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Operating Activities
Net Income	181,000	-1,721,000	933,000	1,590,000	1,820,000
Depreciation & Amortization	0	234,000	255,000	285,000	288,000
Stock Based Compensation	0	0	4,000	73,000	122,000
Change in Working Capital	547,000	-319,000	111,000	-217,000	125,000
Operating Cash Flow	-86,000	-1,454,000	1,152,000	2,641,000	1,581,000
Investing Activities
Capital Expenditure	-149,000	-66,000	-127,000	-151,000	-101,000
Investments	0	-66,000	-127,000	-151,000	-101,000
Investing Cash Flow	6,123,000	-16,603,000	-39,484,000	13,333,000	-8,846,000
Financing Activities
Debt Repayment	-26,228,000	-1,099,000	-99,279,000	-31,807,000	-49,442,000
Common Stock Issued/Repurchased	0	0	121,291,000	-540,000	-167,000
Dividends Paid	0	-670,000	-1,363,000	-1,394,000	-1,388,000
Financing Cash Flow	-4,844,000	28,177,000	20,676,000	-11,799,000	15,211,000
Summary
Free Cash Flow	-235,000	-1,520,000	1,025,000	2,490,000	1,480,000
Net Change in Cash	1,193,000	10,120,000	-17,656,000	4,175,000	7,946,000