Kentucky First Federal Bancorp
Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provides various banking products and services in Kentucky. The company is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. Its lo… Read more
Kentucky First Federal Bancorp (KFFB) - Net Assets
Latest net assets as of December 2025: $49.10 Million USD
Based on the latest financial reports, Kentucky First Federal Bancorp (KFFB) has net assets worth $49.10 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($375.28 Million) and total liabilities ($326.18 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $49.10 Million |
| % of Total Assets | 13.08% |
| Annual Growth Rate | 2.09% |
| 5-Year Change | -7.51% |
| 10-Year Change | -28.36% |
| Growth Volatility | 24.33 |
Kentucky First Federal Bancorp - Net Assets Trend (2003–2025)
This chart illustrates how Kentucky First Federal Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Kentucky First Federal Bancorp (2003–2025)
The table below shows the annual net assets of Kentucky First Federal Bancorp from 2003 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | $48.37 Million | +0.78% |
| 2024-06-30 | $48.00 Million | -5.35% |
| 2023-06-30 | $50.71 Million | -2.53% |
| 2022-06-30 | $52.02 Million | -0.52% |
| 2021-06-30 | $52.30 Million | +0.74% |
| 2020-06-30 | $51.91 Million | -21.68% |
| 2019-06-30 | $66.28 Million | -1.38% |
| 2018-06-30 | $67.20 Million | +0.08% |
| 2017-06-30 | $67.15 Million | -0.55% |
| 2016-06-30 | $67.52 Million | +0.30% |
| 2015-06-30 | $67.31 Million | +0.16% |
| 2014-06-30 | $67.20 Million | +0.99% |
| 2013-06-30 | $66.55 Million | +13.07% |
| 2012-06-30 | $58.85 Million | +0.27% |
| 2011-06-30 | $58.70 Million | +1.67% |
| 2010-06-30 | $57.73 Million | -1.13% |
| 2009-06-30 | $58.39 Million | -2.34% |
| 2008-06-30 | $59.79 Million | -2.69% |
| 2007-06-30 | $61.45 Million | -3.81% |
| 2006-06-30 | $63.88 Million | -3.12% |
| 2005-06-30 | $65.94 Million | +112.41% |
| 2004-06-30 | $31.04 Million | +1.18% |
| 2003-06-30 | $30.68 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Kentucky First Federal Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1750600000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $17.51 Million | 36.19% |
| Common Stock | $86.00K | 0.18% |
| Other Comprehensive Income | $-145.00K | -0.30% |
| Other Components | $30.92 Million | 63.93% |
| Total Equity | $48.37 Million | 100.00% |
Kentucky First Federal Bancorp Competitors by Market Cap
The table below lists competitors of Kentucky First Federal Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Secuve Co. Ltd
KQ:131090
|
$13.85 Million |
|
Nam Liong Global Corp
TWO:5450
|
$13.85 Million |
|
SEDLM.SPATEN BR.BET
MU:SPB
|
$13.85 Million |
|
San Lorenzo Gold Corp
PINK:SNLGF
|
$13.85 Million |
|
Yao I Fabric Co Ltd
TWO:4430
|
$13.85 Million |
|
GSE Systems Inc
NASDAQ:GVP
|
$13.84 Million |
|
Excelsior Biopharma
TWO:6496
|
$13.84 Million |
|
Norsemont Mining Inc
PINK:NRRSF
|
$13.84 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Kentucky First Federal Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 47,997,000 to 48,369,000, a change of 372,000 (0.8%).
- Net income of 181,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 191,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $181.00K | +0.37% |
| Other Comprehensive Income | $191.00K | +0.39% |
| Total Change | $- | 0.78% |
Book Value vs Market Value Analysis
This analysis compares Kentucky First Federal Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.77x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.14x to 0.77x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2001-06-30 | $4.00 | $4.57 | x |
| 2002-06-30 | $4.12 | $4.57 | x |
| 2003-06-30 | $4.27 | $4.57 | x |
| 2004-06-30 | $4.32 | $4.57 | x |
| 2005-06-30 | $9.18 | $4.57 | x |
| 2006-06-30 | $7.64 | $4.57 | x |
| 2007-06-30 | $7.69 | $4.57 | x |
| 2008-06-30 | $7.73 | $4.57 | x |
| 2009-06-30 | $7.71 | $4.57 | x |
| 2010-06-30 | $7.64 | $4.57 | x |
| 2011-06-30 | $7.79 | $4.57 | x |
| 2012-06-30 | $7.80 | $4.57 | x |
| 2013-06-30 | $8.37 | $4.57 | x |
| 2014-06-30 | $8.02 | $4.57 | x |
| 2015-06-30 | $8.06 | $4.57 | x |
| 2016-06-30 | $8.11 | $4.57 | x |
| 2017-06-30 | $8.05 | $4.57 | x |
| 2018-06-30 | $8.03 | $4.57 | x |
| 2019-06-30 | $7.95 | $4.57 | x |
| 2020-06-30 | $6.29 | $4.57 | x |
| 2021-06-30 | $6.36 | $4.57 | x |
| 2022-06-30 | $6.33 | $4.57 | x |
| 2023-06-30 | $6.24 | $4.57 | x |
| 2024-06-30 | $5.93 | $4.57 | x |
| 2025-06-30 | $5.97 | $4.57 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Kentucky First Federal Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 0.37%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.92%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 7.69x
- Recent ROE (0.37%) is below the historical average (1.13%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2001 | 5.11% | 748.47% | 0.00x | 4.52x | $-1.41 Million |
| 2002 | 3.21% | 177.09% | 0.00x | 4.49x | $-2.01 Million |
| 2003 | 3.42% | 289.26% | 0.00x | 4.44x | $-2.02 Million |
| 2004 | 2.45% | 34.67% | 0.02x | 4.50x | $-2.34 Million |
| 2005 | 2.47% | 19.36% | 0.03x | 4.15x | $-4.96 Million |
| 2006 | 2.49% | 12.29% | 0.05x | 4.10x | $-4.80 Million |
| 2007 | 1.44% | 6.74% | 0.05x | 4.38x | $-5.26 Million |
| 2008 | 1.56% | 7.02% | 0.05x | 4.14x | $-5.05 Million |
| 2009 | 1.25% | 5.84% | 0.05x | 4.13x | $-5.11 Million |
| 2010 | 0.69% | 3.44% | 0.05x | 4.10x | $-5.37 Million |
| 2011 | 2.99% | 15.98% | 0.05x | 3.85x | $-4.11 Million |
| 2012 | 2.91% | 16.66% | 0.05x | 3.79x | $-4.17 Million |
| 2013 | 4.38% | 23.28% | 0.04x | 4.87x | $-3.74 Million |
| 2014 | 2.88% | 14.33% | 0.05x | 4.46x | $-4.79 Million |
| 2015 | 3.07% | 16.04% | 0.04x | 4.40x | $-4.66 Million |
| 2016 | 2.22% | 12.49% | 0.04x | 4.32x | $-5.25 Million |
| 2017 | 1.39% | 8.01% | 0.04x | 4.59x | $-5.78 Million |
| 2018 | 1.97% | 10.52% | 0.04x | 4.74x | $-5.40 Million |
| 2019 | 1.23% | 6.28% | 0.04x | 4.99x | $-5.82 Million |
| 2020 | -24.17% | -94.89% | 0.04x | 6.19x | $-17.74 Million |
| 2021 | 3.48% | 14.28% | 0.04x | 6.46x | $-3.41 Million |
| 2022 | 3.06% | 13.91% | 0.03x | 6.31x | $-3.61 Million |
| 2023 | 1.84% | 10.19% | 0.03x | 6.88x | $-4.14 Million |
| 2024 | -3.59% | -10.41% | 0.04x | 7.81x | $-6.52 Million |
| 2025 | 0.37% | 0.92% | 0.05x | 7.69x | $-4.66 Million |
Industry Comparison
This section compares Kentucky First Federal Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Kentucky First Federal Bancorp (KFFB) | $49.10 Million | 5.11% | 6.64x | $13.85 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |