Kentucky First Valuation

KFFB Stock  USD 4.85  0.26  5.66%   
Currently, Kentucky First appears to be fairly valued. Kentucky First Federal has a prevailing Real Value of $4.7 per share. The prevailing price of Kentucky First is $4.85. Our model approximates the value of Kentucky First Federal from inspecting Kentucky First fundamentals such as Profit Margin of 0.08 %, current valuation of 71 M, and Return On Equity of 0.0171 as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Kentucky First's valuation include:
 Price Book
0.7988
 Enterprise Value
71 M
 Price Sales
3.8898
 Forward PE
46.0829
 Trailing PE
48.5
Fairly Valued
Today
4.85
Please note that Kentucky First's price fluctuation is Moderate at this time. Calculation of the real value of Kentucky First Federal is based on 3 months time horizon. Increasing Kentucky First's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Kentucky First is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Kentucky Stock. However, Kentucky First's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  4.85 Real  4.7 Hype  4.85 Naive  4.65
The fair value of Kentucky Stock is determined by what a typical buyer is willing to pay for full or partial control of Kentucky First Federal. Since Kentucky First is currently traded on the exchange, buyers and sellers determine its market value.
4.70
Real Value
8.26
Upside
Investors in Kentucky First Federal should carefully weigh both the upside potential and the downside risk of the stock. A complete valuation of Kentucky considers technical factors, market conditions, and broader macro trends.
Bollinger
Band Projection (param)
LowerMiddle BandUpper
4.404.694.97
Details
Hype
Prediction
LowEstimatedHigh
1.294.858.41
Details
Naive
Forecast
LowNext ValueHigh
1.094.658.21
Details
The most defensible valuation for Kentucky First uses at least two methods: an intrinsic value estimate based on Kentucky First's projected cash flows, and a relative value check against its direct peers.
Cash is advancing compared to historical levels. Kentucky First reported 22.4 Million in Cash for the previous period. As of March 11th, 2026, Accounts Payable is anticipated to decline to approximately 150.5 K. In addition to that, Change To Account Receivables is estimated to rise to approximately -230 K

Kentucky First Cash

14.83 Million

About Kentucky First Valuation

Kentucky First is a micro-cap equity in Regional Banks, Banks - Regional, Financial Services categories. Intrinsic value assumptions are benchmarked against sector averages. Kentucky First currently trades at P/E of 36.95, P/B of 0.8, P/S of 3.89.

Unless otherwise specified, financial data for Kentucky First Federal is derived from periodic company reporting (annual and quarterly where available). Asset-level metrics are computed daily by Macroaxis LLC and refreshed regularly based on asset type. Updates may occur throughout the day.

Kentucky First Growth Indicators

A growth thesis around Kentucky First Federal should be tested carefully because strong valuation often reflects confidence that the business can keep compounding faster than peers. Used properly, growth analysis helps investors separate durable compounding from optimism that may already be fully priced in.
Common Stock Shares Outstanding8.1 M
Quarterly Earnings Growth Y O Y22.387
Forward Price Earnings46.0829

Kentucky First Current Valuation Indicators

Valuation work on Kentucky First Federal becomes more reliable when investors compare several lenses at once, including market value, enterprise value. revenue scale, and expected cash-flow durability. The better valuation questions are comparative: what is the market paying for each dollar of revenue, profit, and asset base, and is that premium justified?

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