Kentucky First Federal Bancorp (KFFB)

KFFB Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Interest Income	9.59	8.34	6.99	8.86	9.16	10.01
Net Interest Income Growth	26.65%	19.26%	-21.02%	-3.32%	-8.50%	7.37%
Non-Interest Income	0.52	0.5	0.25	0.3	0.52	0.6
Non-Interest Income Growth	19.41%	99.20%	-16.89%	-41.36%	-13.44%	49.12%
Revenues Before Loan Losses	10.12	8.84	7.25	9.16	9.68	10.61
Provision for Credit Losses	0.03	0.04	0.02	0.11	-0.06	0.19
Revenue	10.08	8.8	7.22	9.05	9.74	10.41
Revenue Growth (YoY)	26.21%	21.89%	-20.17%	-7.09%	-6.52%	8.25%
Compensation Expenses	4.97	4.85	4.99	4.92	4.85	5.36
Selling, General & Admin	2.92	2.41	2.19	1.86	1.82	1.9
Other Non-Interest Expenses	1.09	1.31	2	1.05	1	0.99
Total Non-Interest Expense	8.98	8.56	9.18	7.82	7.67	8.24
Pretax Income	1.11	0.24	-1.96	1.23	2.07	2.17
Provision for Income Taxes	0.28	-	-	-	-	-
Net Income	0.83	0.18	-1.72	0.93	1.59	1.82
Net Income to Common	0.83	0.18	-1.72	0.93	1.59	1.82
Net Income Growth	-	-	-	-41.32%	-12.64%	-
Shares Outstanding (Basic)	8	8	8	8	8	8
Shares Outstanding (Diluted)	8	8	8	8	8	8
Shares Change (YoY)	-	-	-0.40%	-1.00%	-0.03%	-0.43%
EPS (Basic)	0.10	0.02	-0.21	0.11	0.19	0.22
EPS (Diluted)	0.10	0.02	-0.21	0.11	0.19	0.22
EPS Growth	-	-	-	-42.10%	-13.64%	-
Free Cash Flow	-0.11	-0.24	-1.52	1.03	2.49	1.48
Free Cash Flow Growth	-	-	-	-58.84%	68.24%	68.76%
Free Cash Flow Per Share	-0.01	-0.03	-0.19	0.13	0.30	0.18
Dividends Per Share	-	-	0.100	0.400	0.400	0.400
Dividend Growth	-	-	-75.00%	-	-	-
Profit Margin	8.24%	2.06%	-23.83%	10.32%	16.33%	17.48%
FCF Margin	-1.13%	-2.67%	-21.05%	11.33%	25.58%	14.21%
EBITDA	0.19	0.2	0.23	0.26	0.29	0.29
EBITDA Margin	1.92%	2.28%	3.24%	2.82%	2.93%	2.77%
Effective Tax Rate	24.91%	0.00%	0.00%	0.00%	0.00%	0.00%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q