US · KFFB
Kentucky First Federal Bancorp
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Hazard, KY 41702
- Website
- ffsbky.bank
Price · as of 2025-06-30
$4.51
Market cap 30.49M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $209.04 | +4,535.03% |
| Intrinsic Value(DCF) | $8.19 | +81.6% |
| Graham-Dodd Method(GD) | $6.08 | +34.9% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $3.71 | $51.60 | $6.46 | $4.82 | $0.60 |
| 2012 | $4.37 | $116.26 | $6.60 | $3.83 | $0.46 |
| 2013 | $4.68 | $55.41 | $7.55 | $5.96 | $10.56 |
| 2014 | $5.05 | $62.71 | $7.77 | $4.74 | $3.60 |
| 2015 | $5.50 | $21.98 | $7.18 | $5.08 | $0.97 |
| 2016 | $5.65 | $98.78 | $6.92 | $4.60 | $0.29 |
| 2017 | $6.75 | $27.11 | $6.72 | $4.20 | $0.61 |
| 2018 | $5.84 | $76.33 | $6.66 | $4.48 | $2.44 |
| 2019 | $5.62 | $33.27 | $6.41 | $4.11 | $1.05 |
| 2020 | $5.06 | $266.76 | $3.18 | $0.00 | $0.00 |
| 2021 | $6.24 | $36.13 | $5.05 | $4.82 | $1.04 |
| 2022 | $7.00 | $30.91 | $5.23 | $4.64 | $0.00 |
| 2023 | $5.23 | $108.00 | $4.76 | $4.18 | $2.49 |
| 2024 | $2.87 | $417.48 | $3.96 | $3.62 | $0.00 |
| 2025 | $3.13 | $209.04 | $13.73 | $6.08 | $0.00 |
AI valuation
Our deep-learning model estimates Kentucky First Federal Bancorp's (KFFB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $209.04
- Current price
- $4.51
- AI upside
- +4,535.03%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$8.19
+81.6% upside
Graham-Dodd
$6.08
+34.9% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| KFFB | Kentucky First Federal Ba… | $4.51 | 30.49M | +4,535% | +82% | +35% | — | 140.05 | 0.52 | 2.88 | — | — | 0.52 | 100.00% | 100.00% | 2.06% | 0.38% | 8.84% | 0.05% | 0.88 | 0.81 | — | — | — | -10952.00% | -4674.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 110.95% | 4.40 | — | 4.40 | 0.24 |
| AHG | Akso Health Group | $1.70 | 35.38M | +4,007% | -68% | — | — | -2.88 | 1.96 | 26.43 | -120.93 | -12.49 | 2.17 | -1.91% | -1125.37% | -913.38% | -80.28% | -355.80% | -75.90% | 0.00 | — | 14.20 | 13.69 | 99.34 | 2308.00% | 51208.00% | -2431.00% | 0.26% | 0.09 | 2.69% | 0.00% | 0.00% | 23.29% | -1.29 | 209.67 | 14.51 | 12.07 |
| ATMV | AlphaVest Acquisition Cor… | $7.51 | 31.66M | — | — | — | — | 26.00 | 2.73 | — | 26.66 | 55.47 | 2.73 | 0.00% | — | — | 5.12% | -1.86% | 4.96% | 0.07 | — | 0.00 | 0.00 | 0.66 | 4687.00% | — | -10486.00% | 0.07% | 0.02 | 0.09% | 0.00% | 0.00% | 80.83% | -52.38 | 1487.95 | — | 14.81 |
| BAFN | BayFirst Financial Corp. | $8.58 | 35.47M | +2,939% | -69% | — | +414% | -1.18 | 0.31 | 0.26 | -0.87 | — | 0.36 | 38.00% | -29.59% | -22.01% | -23.11% | -34.87% | -1.77% | 0.39 | -0.77 | 0.13 | 0.13 | -0.94 | -34523.00% | -1681.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.87 | — | 0.26 | -0.23 |
| GREE | Greenidge Generation Hold… | $1.62 | 25.36M | +1,323% | -79% | — | +667% | -0.46 | -0.16 | 0.15 | 97.97 | — | -0.16 | 79.71% | -19.23% | -33.23% | 37.06% | -282.79% | -29.09% | -1.22 | -1.62 | 1.39 | 0.52 | 85.05 | -5756.00% | -1542.00% | -1355.00% | -248.70% | -0.62 | -556.85% | 0.00% | 0.00% | 0.00% | -5.98 | -3.05 | 1.15 | -7.89 |
| GROW | U.S. Global Investors, In… | $2.46 | 31.89M | +9,531% | -0% | -23% | -86% | -94.86 | 0.70 | 3.75 | 12.38 | — | 0.70 | 41.66% | -35.33% | -3.95% | -0.71% | -25.91% | -0.67% | 0.00 | -2986.00 | 20.87 | 20.05 | 122.34 | -12660.00% | -2305.00% | -20669.00% | -2.62% | -0.44 | -7.19% | 3.81% | -361.70% | 10.03% | 0.83 | 2.99 | -0.29 | 8.60 |
| HFBL | Home Federal Bancorp, Inc… | $15.49 | 47.37M | +86% | +106% | -0% | -55% | — | 0.75 | 1.27 | -1.06 | — | 0.80 | 63.92% | 14.39% | 12.02% | 0.00% | 30.94% | 0.00% | 0.07 | 0.39 | 0.93 | 0.93 | -2.22 | 769.00% | -288.00% | -157446.00% | 13.17% | 0.01 | 43.18% | 3.95% | — | 18.94% | -1.38 | -1.18 | -0.20 | 0.09 |
| MBBC | Marathon Bancorp, Inc. | $10.80 | 31.74M | +4,623,368% | +22,735% | +153,741% | +12,777,565% | 0.68 | 0.00 | 0.00 | — | — | 0.00 | 0.00% | 0.00% | 0.44% | 0.19% | 0.00% | 0.04% | 0.00 | 0.00 | — | — | — | -11667.00% | 9393615.00% | 2367660.00% | -1533.02% | — | -2.29% | 0.00% | 0.00% | 7857.70% | — | 16.87 | -0.78 | 0.23 |
| ZBAO | Zhibao Technology Inc. Cl… | $0.95 | 29.6M | +3,707% | +1,415% | — | — | -3.91 | 9.74 | 0.87 | -5.23 | — | 10.39 | 39.85% | -19.00% | -22.39% | -25.49% | -14.34% | -7.39% | 1.24 | — | 0.00 | 0.96 | -0.33 | -54674.00% | 5184.00% | -3490.00% | -8.53% | -0.14 | -5.87% | 0.00% | 0.00% | 78.50% | -4.91 | -12.51 | 0.93 | -1.01 |
About Kentucky First Federal Bancorp
Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. that provide various banking products and services in Kentucky. The company accepts deposit products include passbook savings and certificate accounts, checking accounts, and individual retirement accounts. Its loan portfolio comprises one-to four-family residential mortgage loans; construction loans; mortgage loans secured by multi-family property; nonresidential loans that are secured by commercial office buildings, churches, and properties used for other purposes; commercial non-mortgage loans; and consumer loans, such as home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured or personal loans. The company also invests in mortgage-backed securities. It operates through seven banking offices. The company was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp is a subsidiary of First Federal MHC.
- CEO
- Don D. Jennings
- Employees
- 56
- Beta
- 0.10
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($8.19 ÷ $4.51) − 1 = +81.6% (DCF, example).