Kentucky First Federal Bancorp (KFFB) carries a Roarable Rating of D- (Sell) with 38/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 61% of 52W Range • RSI-14 at 44.9 (NEUTRAL RANGE)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9
Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
While KFFB currently carries a cautious 38/100 (D-) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($5.65) and Max Pain ($5.67) forces dealer call-delta covering toward $6.78.
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Kentucky First Federal Bancorp (KFFB) slipped -0.42% to $5.40, trading at 61% of its 52-week range ($3.76 – $6.46). Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.
HAZARD, Ky. and FRANKFORT, Ky. and DANVILLE, Ky. and LANCASTER, Ky., Oct. 30, 2026 (GLOBE NEWSWIRE) -- Kentucky First Federal Bancorp (Nasdaq: KFFB) the holding company for First Federal Savings and Loan Association of H
Gainers Netcapital (NASDAQ:NCPL) shares increased by 29.9% to $2.12 during Tuesday's regular session. The market value of their outstanding shares is at $12.7 million. Cheche Group (NASDAQ:CCG) shares rose 24.83%
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on KFFB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for KFFB. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Kentucky First Federal Bancorp (KFFB) ranks #1007 by composite RQD confidence (38/100, grade D-) and #1021 by equity capitalization ($43.6M). Within this direct 5-issuer industry benchmark cohort, HFBL leads on earnings valuation at 17.4x trailing P/E, while HFBL leads on capital efficiency and profitability with 6.7% ROIC and — gross margin. HFBL currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with KFFB at 38/100 (D-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| KFFB
ACTIVE
Kentucky First Federal Bancorp | D- | 38/100 | — | — | 0.4% | -0.42% | $43.6M | Benchmark Subject |
| HFBL Home Federal Bancorp Inc. of Louisiana | B- | 70/100 | 17.4x | — | 6.7% | -1.67% | $67.8M | /hfbl-vs-kffb → |
| CLST Catalyst Bancorp Inc. | D+ | 57/100 | 35.0x | — | 2.5% | +3.07% | $71.7M | /clst-vs-kffb → |
| CPBI Central Plains Bancshares Inc. | C- | 61/100 | 21.5x | — | 4.6% | 0.00% | $86.0M | /cpbi-vs-kffb → |
| FDSB Fifth District Bancorp Inc. | C- | 59/100 | 22.3x | — | 3.2% | +0.51% | $91.4M | /fdsb-vs-kffb → |
In its most recent audited fiscal period (FY2025, filed 2025-06-30), Kentucky First Federal Bancorp (KFFB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $181.0K, operating cash flow of -$86.0K, and free cash flow of -$235.0K (+84.5% YoY). On the balance sheet, KFFB closed FY2025 with $375.3M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-06-30 | $0 | $181.0K | -$86.0K | -$235.0K | $375.3M | — |
| FY2024 (FY) | 2024-06-30 | $0 | -$1.7M | -$1.5M | -$1.5M | $374.2M | — |
| FY2023 (FY) | 2023-06-30 | $0 | $933.0K | $1.2M | $1.2M | — | — |
As of 2026-11-01, Kentucky First Federal Bancorp (NASDAQ: KFFB) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 38/100 at a spot price of $5.40 (-0.42% 1D, market cap $43.6M). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, KFFB ranks #1007 in composite RQD confidence.
Within the Financials sector (Savings Institutions), KFFB carries a Roarable D- (38/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.4%. By comparison, HFBL (Home Federal Bancorp Inc. of Louisiana) holds a B- grade (70/100 RQD, P/E 17.4x, ROIC 6.7%, cap $67.8M) and CLST (Catalyst Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E 35.0x, ROIC 2.5%, cap $71.7M). Among the 5-stock peer group, HFBL leads on earnings multiple (17.4x) while HFBL leads on capital efficiency (6.7% ROIC).
Per KFFB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001297341), Kentucky First Federal Bancorp generated $0 in revenue, $181.0K in net income, and -$235.0K in free cash flow against $375.3M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
KFFB last traded at $5.40 (-0.42% on volume of 2,288 shares), positioning the stock -4.42% below its 50-day simple moving average ($5.65) and +8.43% above its 200-day simple moving average ($4.98). Across its 52-week range of $3.76 to $6.46, KFFB sits at the 60.7% percentile with a 14-day RSI of 44.9 (NEUTRAL RANGE) and an implied next-earnings move of ±8.7% ($4.93 to $5.87).
Why KFFB Stock slipped -0.42% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.
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