Kentucky First Federal Bancorp (KFFB)
Operates two independent Kentucky community savings institutions focused on local deposits and property lending.
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Operates independent savings institutions in Hazard, Frankfort, Danville, and Lancaster. Local deposits fund primarily adjustable-rate first-mortgage lending, supplemented by home-equity and selected commercial-real-estate loans.
Operating two independent community savings institutions, the holding company combines First Federal Savings and Loan Association of Hazard with First Federal Savings Bank of Kentucky. The Kentucky footprint includes Hazard, Frankfort, Danville, and Lancaster, with a locally focused deposit base and mortgage-lending franchise.
First Federal Savings Bank of Kentucky gathers public deposits and originates adjustable-rate, first-mortgage loans secured by residential properties. Home-equity and selected commercial-real-estate lending add smaller loan categories.
Operations depend on local deposit gathering, property-lending execution, and regulatory approvals for capital actions. First Federal MHC, the majority shareholder, requires Federal Reserve Board and member approval to waive dividends.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $16.5M · Total debt $48.6M · Total assets $362.4M · Shareholders' equity $50.3M
- Revenue
- $5.5M
- Operating income
- $895.0K
- Net income
- $680.0K
Raised for 17 straight years. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 31, 2026 | Aug 31 | Sep 21 | $0.05 | cut from $0.10 |
| Oct 30, 2023 | Oct 31 | Nov 20 | $0.10 | |
| Jul 28, 2023 | Jul 31 | Aug 24 | $0.10 | |
| Apr 27, 2023 | Apr 28 | May 15 | $0.10 | |
| Jan 30, 2023 | Jan 31 | Feb 16 | $0.10 | |
| Oct 28, 2022 | Oct 31 | Nov 14 | $0.10 | |
| Jul 28, 2022 | Jul 29 | Aug 26 | $0.10 | |
| Apr 28, 2022 | Apr 29 | May 16 | $0.10 |
| Institutions15 holders · as of Mar 31, 2026 | 3.65% | 294.8K shares | |
| Insiders1 holder · as of Jul 1, 2025 | 0.57% | 45.8K shares | |
| Otherremainder | 95.78% | 7.75M shares |
8.09M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Ti-Trust, IncInstitution | 1.05% | 84,991 | 13Fas of Mar 31, 2026 |
Dimensional Fund Advisors LPInstitution | 1.00% | 80,620 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 0.68% | 55,109 | 13Fas of Mar 31, 2026 |
William H. JohnsonInsiderdirector | 0.57% | 45,848 | Form 4filed Jul 1, 2025 ↗ |
Farmers National BankInstitution | 0.27% | 22,081 | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · Form 4 — an insider's transaction report
Insider tradesForm 4
Nothing filed in the last 12 months.
- Community Trust Bancorp
Regional deposit and mortgage-lending rival
- WesBanco
Frankfort-area deposit and property-lending rival
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Kentucky First Federal Bancorp | $6.06 | +9.10% | $45.4M | 23.8 | — | 2.1 | — |
| Community Trust Bancorp | $77.15 | +1.90% | $1.40B | 12.9 | 12.0 | 3.3 | +11.8% |
| WesBanco | $40.25 | −0.59% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| Median | 12.2 | 11.6 | 2.9 | +9.0% |