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.
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.