Kentucky First Federal Bancorp (KFFB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Kentucky First Federal Bancorp stock (KFFB) is currently trading at $4.25. Kentucky First Federal Bancorp PE ratio is 42.80. Kentucky First Federal Bancorp PS ratio (Price-to-Sales) is 3.43. WallStSmart rates KFFB as Underperform.
- KFFB PE ratio analysis and historical PE chart
- KFFB PS ratio (Price-to-Sales) history and trend
- KFFB intrinsic value — DCF, Graham Number, EPV models
- KFFB stock price prediction 2025 2026 2027 2028 2029 2030
- KFFB fair value vs current price
- KFFB insider transactions and insider buying
- Is KFFB undervalued or overvalued?
- Kentucky First Federal Bancorp financial analysis — revenue, earnings, cash flow
- KFFB Piotroski F-Score and Altman Z-Score
- KFFB analyst price target and Smart Rating
Kentucky First Federal Bancorp
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KFFB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Kentucky First Federal Bancorp (KFFB)
KFFB is trading near its Graham intrinsic value of $4.68, suggesting the stock is reasonably priced at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Kentucky First Federal Bancorp (KFFB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, revenue growth, eps growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Kentucky First Federal Bancorp (KFFB) Key Strengths (3)
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 2239.00% year-over-year
Strong revenue growth at 27.80% annually
Kentucky First Federal Bancorp (KFFB) Areas to Watch (6)
Very low returns on shareholder equity
Very low institutional interest at 3.38%
Micro-cap company with very limited liquidity and high volatility
Thin profit margins with limited profitability
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 3.43x sales
Supporting Valuation Data
Kentucky First Federal Bancorp (KFFB) Detailed Analysis Report
Overall Assessment
This company scores 53/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 3.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, EPS Growth, Revenue Growth. Valuation metrics including Price/Book (0.73) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 27.80%, EPS Growth at 2239.00%.
The Bear Case
The primary concerns are Return on Equity, Institutional Own., Market Cap. Some valuation metrics including Price/Sales (3.43) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 1.71%, Operating Margin at 17.70%, Profit Margin at 8.24%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 1.71% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 27.80% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, EPS Growth) and negatives (Return on Equity, Institutional Own.). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
KFFB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
KFFB's Price-to-Sales ratio of 3.43x trades 38% below its historical average of 5.53x (1th percentile). The current valuation is 62% below its historical high of 9.01x set in Jul 2009, and 4% above its historical low of 3.3x in May 2024.
WallStSmart Analysis Synopsis
Data-driven financial summary for Kentucky First Federal Bancorp (KFFB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Kentucky First Federal Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 10M with 28% growth year-over-year. Profit margins are thin at 8.2%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Revenue growing at 28% YoY, reaching 10M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1.7% suggests the company isn't efficiently converting equity into profits.
Free cash flow is -367,000, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Margin expansion: can Kentucky First Federal Bancorp push profit margins above 15% as the business scales?
Growth sustainability: can Kentucky First Federal Bancorp maintain 28%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Kentucky First Federal Bancorp.
Bottom Line
Kentucky First Federal Bancorp offers an attractive blend of growth (28% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(0 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 10:05:32 AM
About Kentucky First Federal Bancorp(KFFB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Kentucky First Federal Bancorp is the holding company of First Federal Savings and Loan Association of Hazard and Frankfort First Bancorp, Inc., which offer various banking products and services in Kentucky. The company is headquartered in Hazard, Kentucky.