Kentucky First Federal Bancorp (KFFB) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-142.4%

-$2.35

vs $5.54 price

Levered DCF

-$2.42

After debt service

Piotroski score

4 / 9

Average

Altman Z-score

0.24

Distress zone

Rating

C+

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
P/E	21.17×	130.49×	-15.05×	56.45×	41.95×	33.45×	-4.44×	75×
P/B	0.82×	0.49×	0.53×	1×	1.26×	1.16×	1.07×	0.94×
P/S	1.92×	1.2×	1.55×	3.87×	5.73×	4.74×	4.21×	4.83×
EV / EBITDA	28.17×	145.75×	-44.61×	76.3×	37.64×	40.83×	-7.87×	91.13×
Gross margin	53.7%	44.3%	43.7%	69.2%	85.2%	81.7%	72.8%	74.8%
Operating margin	11.7%	1.2%	-11.9%	9.4%	18.1%	17.0%	-92.9%	7.4%
Net margin	8.9%	0.9%	-10.4%	7.1%	13.9%	14.3%	-94.9%	6.3%
Current ratio	0.06×	0.1×	0.11×	0.09×	0.09×	0.08×	0.08×	0.1×
Debt / equity	0.97×	0.88×	1.44×	1.38×	0.65×	1.09×	1.05×	1.01×
Interest coverage	0.26×	0.02×	-0.21×	0.31×	1.18×	1.01×	-3.51×	0.29×
Dividend yield	0.0%	0.0%	2.6%	2.7%	2.1%	2.3%	2.5%	2.3%
Payout ratio	0.0%	0.0%	-38.9%	146.1%	87.7%	76.3%	-11.1%	176.8%

Key metrics by fiscal year

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Return on equity	3.8%	0.4%	-3.6%	1.8%	3.1%	3.5%	-24.2%	1.2%
Return on invested capital	1.9%	0.1%	-1.5%	0.8%	1.8%	1.6%	-11.3%	0.6%
Return on assets	0.5%	0.0%	-0.5%	0.3%	0.5%	0.5%	-3.9%	0.2%
Free cash flow yield	2.7%	-1.0%	-5.9%	2.0%	3.8%	2.4%	1.6%	1.4%
Earnings yield	4.6%	0.8%	-6.7%	1.8%	2.4%	3.0%	-22.5%	1.3%
Enterprise value	$74.7M	$64M	$77M	$113.1M	$88.5M	$100.5M	$94.5M	$112.5M
Net debt / EBITDA	12.68×	92.07×	-29.78×	42.23×	9.81×	16.25×	-3.23×	40.51×
Cash conversion cycle (days)	4	27	19	19	18	17	20	18