KFFB Posts $680K Q4 Profit, $1.9M Full-Year — a Sharp Turnaround from the Prior Year
KFFB has more than doubled off its 52-week low of $2.23 on elevated volume (3.1× avg).
Summary
Kentucky First Federal Bancorp reported net income of $680,000 for Q4 and $1.9 million for the full fiscal year, a massive improvement over the prior year's near-breakeven results, driven by higher net interest income and stable expenses.
Key Events · Earnings and Guidance · KFFB
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Full-Year Net Income Reaches $1.9M
Net income for the twelve months ended June 30, 2026 was $1.9 million ($0.24 diluted EPS), compared to $181,000 ($0.02) in the prior year — a more than tenfold increase.
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Q4 Net Income of $680K
For the three months ended June 30, 2026, net income was $680,000 ($0.08 diluted EPS), up from $176,000 ($0.02) in the same quarter last year.
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Net Interest Income Drives Turnaround
Net interest income rose 33.9% to $3.1 million in Q4 and 33.2% to $11.1 million for the full year, as higher loan yields and lower deposit costs widened the margin.
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Book Value Per Share Increases to $6.22
Shareholders' equity grew to $50.3 million, lifting book value per share to $6.22 from $5.98 a year ago, reflecting retained earnings.
Analysis · KFFB · Finance
A dramatic earnings recovery marks Kentucky First Federal Bancorp's fiscal year ended June 30, 2026. Net income surged to $1.9 million ($0.24 per share) from just $181,000 ($0.02) a year ago, fueled by a 33% jump in net interest income as loan yields rose and funding costs fell. The quarterly results confirm the trend: Q4 net income of $680,000 ($0.08 per share) versus $176,000 ($0.02) in the prior-year quarter. Book value per share climbed to $6.22, providing a tangible measure of the turnaround. The only cautionary note is a higher provision for credit losses — $186,000 in the quarter — reflecting management's prudence in the face of economic uncertainty and some loan repricing pressure. For a micro-cap bank trading near its 52-week high, these results validate the recovery narrative that has been building since the strong Q3 report in May.
How filings like this one have moved
In the 30 days to Oct 3, 2026, 28.9% of the 1668 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.56%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, KFFB was trading at $5.54 on NASDAQ in the Finance sector, with a market capitalization of approximately $44.8M. The 52-week trading range was $2.23 to $5.65. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.