Kentucky First Financials

KFFB Stock  USD 2.61  0.01  0.38%   
Based on the key indicators related to Kentucky First's liquidity, profitability, solvency, and operating efficiency, Kentucky First Federal is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At present, Kentucky First's Total Stockholder Equity is projected to decrease significantly based on the last few years of reporting. The current year's Non Current Assets Total is expected to grow to about 374.5 M, whereas Total Assets are forecasted to decline to about 293.2 M. Key indicators impacting Kentucky First's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.771.4373
Way Down
Very volatile
Current Ratio0.05510.058
Notably Down
Pretty Stable
The financial analysis of Kentucky First is a critical element in measuring its lifeblood. Investors should not minimize Kentucky First's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

(1.63 Million)

  
Understanding current and past Kentucky First Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Kentucky First's financial statements are interrelated, with each one affecting the others. For example, an increase in Kentucky First's assets may result in an increase in income on the income statement.
Please note, the presentation of Kentucky First's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Kentucky First's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Kentucky First's management manipulating its earnings.

Kentucky First Stock Summary

Kentucky First competes with Home Federal, Lake Shore, Commerzbank, Investar Holding, and Colony Bankcorp. 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. Kentucky First Federal Bancorp is a subsidiary of First Federal MHC. Kentucky First operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 62 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS4912921081
CUSIP491292108
LocationKentucky; U.S.A
Business Address655 Main Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websiteffsbky.bank
Phone502 223 1638
CurrencyUSD - US Dollar

Kentucky First Key Financial Ratios

Kentucky First Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets321.1M338.1M328.1M349.0M375.0M293.2M
Net Debt38.8M35.0M8.2M61.9M51.4M28.7M
Cash15.9M21.9M25.8M8.2M17.6M14.8M
Other Assets296.8M309.3M289.6M327.6M376.7M232.9M
Total Current Assets17.3M22.6M22.1M8.2M18.3M15.3M
Other Liab2.2M2.1M2.1M1.8M2.1M2.3M
Retained Earnings19.9M20.4M20.6M20.1M17.3M23.4M
Accounts Payable27K20K12K70K176K167.2K
Inventory(17.5M)(22.7M)(26.9M)(10.2M)219K230.0K
Total Liab269.2M285.8M276.1M70.1M327.0M232.5M
Long Term Debt54.7M56.9M34.1M70.1M69.0M42.1M
Net Receivables830K694K649K902K1.2M816.9K
Other Current Liab(27K)(20K)(12K)(70K)(157.8M)(150.0M)
Other Current Assets17.5M22.7M26.9M9.3M(1.4M)(1.3M)
Short Term Debt28.3M23.8M26.7M70.0M69.0M40.3M
Net Tangible Assets51.0M51.3M51.1M49.8M57.2M56.4M

Kentucky First Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense3.5M2.1M1.8M3.9M9.3M9.7M
Total Revenue9.7M10.6M9.2M9.2M7.2M8.0M
Gross Profit9.7M10.6M9.2M9.2M7.2M8.0M
Operating Income(12.3M)2.2M3.8M1.2M7.2M3.7M
Ebit(12.3M)2.2M2.1M1.2M(2.0M)(1.9M)
Ebitda(12.0M)2.5M2.4M1.5M(1.7M)(1.6M)
Income Before Tax(12.3M)2.2M1.6M1.2M(2.0M)(1.9M)
Net Income(12.5M)1.8M1.1M933K(1.7M)(1.6M)
Income Tax Expense264K352K477K294K(239K)(227.1K)
Tax Provision264K352K477K294K(239K)(227.1K)
Net Interest Income9.3M10.0M9.2M8.9M7.0M7.6M
Interest Income12.8M12.2M10.9M12.8M16.3M13.7M

Kentucky First Key Cash Accounts

201920202021202220232024 (projected)
Capital Expenditures148K165K101K127K66K62.7K
Net Income(12.5M)1.8M1.6M933K(1.7M)(1.6M)
End Period Cash Flow13.7M21.6M25.8M8.2M18.3M11.5M
Change In Cash3.8M7.9M4.2M(17.7M)10.1M10.6M
Free Cash Flow877K1.5M2.5M1.0M(1.5M)(1.4M)
Other Non Cash Items(526K)(300K)635K83K641K673.1K
Change To Inventory(420K)166K74K(105K)(94.5K)(89.8K)
Change To Netincome13.0M(659K)983K(147K)(169.1K)(160.6K)
Investments2.7M2.6M(10.1M)(39.5M)(16.6M)(15.8M)
Net Borrowings(12.0M)2.2M(22.8M)36.0M41.4M43.5M

Kentucky Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Kentucky First's current stock value. Our valuation model uses many indicators to compare Kentucky First value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Kentucky First competition to find correlations between indicators driving Kentucky First's intrinsic value. More Info.
Kentucky First Federal is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At present, Kentucky First's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Kentucky First's earnings, one of the primary drivers of an investment's value.

Kentucky First Federal Systematic Risk

Kentucky First's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Kentucky First volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was four with a total number of output elements of fifty-seven. The Beta measures systematic risk based on how returns on Kentucky First Federal correlated with the market. If Beta is less than 0 Kentucky First generally moves in the opposite direction as compared to the market. If Kentucky First Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Kentucky First Federal is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Kentucky First is generally in the same direction as the market. If Beta > 1 Kentucky First moves generally in the same direction as, but more than the movement of the benchmark.

About Kentucky First Financials

What exactly are Kentucky First Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Kentucky First's income statement, its balance sheet, and the statement of cash flows. Potential Kentucky First investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Kentucky First investors may use each financial statement separately, they are all related. The changes in Kentucky First's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Kentucky First's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
Today, most investors in Kentucky First Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Kentucky First's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Kentucky First growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0537

At present, Kentucky First's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Kentucky First November 27, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Kentucky First help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Kentucky First Federal. We use our internally-developed statistical techniques to arrive at the intrinsic value of Kentucky First Federal based on widely used predictive technical indicators. In general, we focus on analyzing Kentucky Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Kentucky First's daily price indicators and compare them against related drivers.

Complementary Tools for Kentucky Stock analysis

When running Kentucky First's price analysis, check to measure Kentucky First's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Kentucky First is operating at the current time. Most of Kentucky First's value examination focuses on studying past and present price action to predict the probability of Kentucky First's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Kentucky First's price. Additionally, you may evaluate how the addition of Kentucky First to your portfolios can decrease your overall portfolio volatility.
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