Kentucky First Federal Bancorp (KFFB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$5.49+2.52%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · KFFB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 12.4% |
| Our one-year growth estimate | diamond | 14.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 1.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is a smaller-cap name (higher miss base rate) and is on a run of consecutive earnings misses. A fundamental tilt, not a price call.
Model as of 2026-11-04 · Compared with 231 industry peers · Company calendar date is not available
KFFB — dividend update
Dated 2026-11-02
Other Events On October 30, 2026, Kentucky First Federal Bancorp (the “Company”) announced that the Board of Directors declared a quarterly dividend of $0.05 per share for shareholders of record on November 30, 2026, to be paid on December 21, 2026. For more information, see the Company’s press release dated October 30, 2026, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.
Why it matters: The report can show whether stronger net interest income and earnings continued after March. Deposits and funding costs also need watching.
Watch forQuarterly net interest income is above $2.87 million and net income is above $581,000.
Also watch forQuarterly net interest income is below $2.87 million or net income is below $581,000.
Why it matters: The September payment marks the return of a dividend after payments stopped in November 2023. It also tests whether the board can keep paying it.
Supportive ifThe company pays $0.05 per share on September 21, 2026, as declared.
Worry ifThe company says the September 21 payment is canceled, delayed, or cut.
Why it matters: Higher loan rates helped lift income, while lower deposit costs also helped. A reversal in either trend could weaken earnings.
Worry ifThe next report shows average loan rates under 5.76%. Or, it shows the average rate paid on interest-bearing funds above 3.06%.
Less concerning ifThe average loan rate stays at or above 5.76%, and the average rate paid stays at or below 3.06%.
Why it matters: Deposits fell while FHLB advances rose in the latest reported period. More reliance on advances could raise funding costs.
Worry ifThe next report shows deposits under $273.7 million and FHLB advances over $48.9 million.
Less concerning ifDeposits are at or above $273.7 million and FHLB advances are at or below $48.9 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$188 on $10,000 · ±1.9% | How much price usually moves either way. |
| Bad day | $614 loss on $10,000 · 6.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,782 loss on $10,000 · 17.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.