Kentucky First Federal Bancorp (KFFB)

Financial Services | Banks Regional
Income Statement (Quarterly) 2025-03-31 2024-12-31 2024-09-30 2024-06-30
Revenue 4,846,000 4,955,000 2,007,000 1,917,000
Cost of Revenue 2,715,000 2,746,000 0 2,578,000
Gross Profit 2,131,000 2,209,000 2,007,000 1,880,000
Operating Expenses
R&D Expenses 0 0 0 0
SG&A Expenses 1,581,000 1,335,000 1,291,000 1,345,000
Operating Expenses 2,176,000 1,335,000 1,713,000 3,034,000
Operating Income -45,000 6,000 1,796,000 -1,117,000
Interest Expense 2,715,000 2,746,000 2,750,000 2,541,000
Income Before Tax 15,000 6,000 -21,000 -1,117,000
Income Tax Expense 8,000 -7,000 -6,000 -39,000
Net Income 7,000 13,000 -15,000 -1,078,000
Per Share
EPS 0.00 0.00 0.00 -0.13
EPS Diluted 0.00 0.00 0.00 0.00
Income Statement (Annual) 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Revenue 8,802,000 16,528,000 9,158,000 9,160,000 10,608,000
Cost of Revenue 0 9,307,000 0 0 0
Gross Profit 8,802,000 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 8,802,000 15,000 1,227,000 3,821,000 0
Interest Expense 10,896,000 9,283,000 3,902,000 1,754,000 2,141,000
Income Before Tax 238,000 -1,960,000 1,227,000 1,552,000 2,172,000
Income Tax Expense 57,000 -239,000 294,000 477,000 352,000
Net Income 181,000 -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) 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Assets
Cash and Cash Equivalents 19,480,000 17,584,000 8,167,000 25,823,000
Short Term Investments 9,928,000 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 29,408,000 28,620,000 8,167,000 22,125,000
Property Plant Equipment 0 4,267,000 4,435,000 4,563,000
Goodwill and Intangibles 0 0 947,000 947,000
Total Assets 371,211,000 374,968,000 349,022,000 328,080,000
Liabilities
Account Payables 0 176,000 70,000 12,000
Short Term Debt 0 0 70,003,000 26,680,000
Total Current Liabilities 0 256,315,000 70,000 12,000
Long Term Debt 42,760,000 68,988,000 70,087,000 34,066,000
Total Liabilities 322,842,000 326,971,000 70,087,000 276,055,000
Shareholders Equity
Retained Earnings 0 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) 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Assets
Cash and Cash Equivalents 19,480,000 17,584,000 8,167,000 25,823,000 16,894,000
Short Term Investments 9,928,000 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 29,408,000 28,620,000 8,167,000 22,125,000 0
Property Plant Equipment 0 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 371,211,000 374,968,000 349,022,000 328,080,000 338,063,000
Liabilities
Account Payables 0 176,000 70,000 12,000 20,000
Short Term Debt 0 0 70,003,000 26,680,000 0
Total Current Liabilities 0 256,315,000 70,000 12,000 0
Long Term Debt 42,760,000 68,988,000 70,087,000 34,066,000 56,873,000
Total Liabilities 322,842,000 326,971,000 70,087,000 276,055,000 285,767,000
Shareholders Equity
Retained Earnings 0 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 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 0 -319,000 111,000 -217,000
Operating Cash Flow 0 -1,454,000 1,152,000 2,641,000
Investing Activities
Capital Expenditure 0 -66,000 -127,000 -151,000
Investments 0 -66,000 -127,000 -151,000
Investing Cash Flow 0 -16,603,000 -39,484,000 13,333,000
Financing Activities
Debt Repayment 0 -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 0 28,177,000 20,676,000 -11,799,000
Summary
Free Cash Flow 0 -1,520,000 1,025,000 2,490,000
Net Change in Cash -18,287,000 10,120,000 -17,656,000 4,175,000
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 0 -319,000 111,000 -217,000 125,000
Operating Cash Flow 0 -1,454,000 1,152,000 2,641,000 1,581,000
Investing Activities
Capital Expenditure 0 -66,000 -127,000 -151,000 -101,000
Investments 0 -66,000 -127,000 -151,000 -101,000
Investing Cash Flow 0 -16,603,000 -39,484,000 13,333,000 -8,846,000
Financing Activities
Debt Repayment 0 -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 0 28,177,000 20,676,000 -11,799,000 15,211,000
Summary
Free Cash Flow 0 -1,520,000 1,025,000 2,490,000 1,480,000
Net Change in Cash -18,287,000 10,120,000 -17,656,000 4,175,000 7,946,000