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Upturn AI SWOT - About
KFFB 
Kentucky First Federal Bancorp (KFFB)
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Upturn Advisory Summary
03/11/2025: KFFB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -36.06% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 23.21M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 2846 | Beta 0.14 | 52 Weeks Range 2.50 - 3.90 | Updated Date 04/2/2025 |
52 Weeks Range 2.50 - 3.90 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.14 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -14.86% | Operating Margin (TTM) 4.53% |
Management Effectiveness
Return on Assets (TTM) -0.32% | Return on Equity (TTM) -2.44% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 64914412 | Price to Sales(TTM) 2.91 |
Enterprise Value 64914412 | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 10.72 | Enterprise Value to EBITDA - | Shares Outstanding 8086720 | Shares Floating 2957473 |
Shares Outstanding 8086720 | Shares Floating 2957473 | ||
Percent Insiders 62.33 | Percent Institutions 2.71 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Kentucky First Federal Bancorp
Company Overview
History and Background
Kentucky First Federal Bancorp, founded in 1926, operates as the holding company for First Federal Savings and Loan Association of Hazard. It has grown from a small local savings and loan to a regional financial institution.
Core Business Areas
- Retail Banking: Offers deposit accounts, personal loans, and mortgages to individuals and families.
- Commercial Lending: Provides loans and other financial services to businesses.
- Wealth Management: Offers financial planning and investment services.
Leadership and Structure
The company is led by its Board of Directors and executive management team. The organizational structure includes various departments such as lending, finance, and operations.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers a variety of mortgage loan products to finance home purchases. Market share data not readily available. Competitors include larger national banks like JPMorgan Chase (JPM) and Bank of America (BAC), as well as regional banks and credit unions.
- Deposit Accounts: Provides checking, savings, and certificate of deposit accounts. Market share data not readily available. Competitors include local and regional banks like Community Trust Bancorp (CTBI) and WesBanco (WSBC), as well as online banks.
- Commercial Loans: Provides financing for local businesses' operation. Market share data not readily available. Competitors include larger national banks like JPMorgan Chase (JPM) and Bank of America (BAC), as well as regional banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from low interest rates, increased regulation, and competition from fintech companies.
Positioning
Kentucky First Federal Bancorp is a regional bank focused on serving the needs of its local communities. Its competitive advantages include its strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM for community banking in Kentucky is estimated to be in the billions of dollars. Kentucky First Federal Bancorp is well-positioned to serve a portion of this market, with focus on community first banking.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Focus on community banking
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking products
- Limited resources for technology investment
Opportunities
- Expanding into new markets
- Developing new products and services
- Leveraging technology to improve efficiency
- Acquiring smaller banks and credit unions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- CTBI
- WSBC
- FFKT
Competitive Landscape
Kentucky First Federal Bancorp competes primarily with other community and regional banks in its market area. It differentiates itself through its local focus and customer service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are not readily available without access to proprietary financial databases.
Future Projections: Future growth projections are not readily available without access to proprietary financial databases.
Recent Initiatives: Recent strategic initiatives are not readily available without access to proprietary financial databases.
Summary
Kentucky First Federal Bancorp is a community-focused bank with a strong local presence. Its strengths lie in its customer relationships and local market knowledge. However, its smaller size and limited resources pose challenges in competing with larger banks and adapting to technological changes. The bancorp has an opportunity to expand its offerings within the community.
Similar Companies
CTBI
Community Trust Bancorp Inc
CTBI
Community Trust Bancorp Inc
WSBC
WesBanco Inc
WSBC
WesBanco Inc
Sources and Disclaimers
Data Sources:
- Publicly available information, company website, industry reports.
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and financial metrics are estimates based on available information. Investment decisions should be based on thorough research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Kentucky First Federal Bancorp
Exchange NASDAQ | Headquaters Hazard, KY, United States | ||
IPO Launch date 2005-03-03 | President, CEO, COO & Director Mr. Don D. Jennings | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 56 | Website https://ffsbky.bank |
Full time employees 56 | Website https://ffsbky.bank | ||
Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, Kentucky, and Frankfort First Bancorp, Inc. that provide various banking products and services in Kentucky. It is involved in attracting deposits from the general public and applying those funds to the origination of loans for residential and consumer purposes. The company's loan portfolio comprises one-to four-family, multi-family, and construction residential real estate loans; nonresidential real estate loans comprising of office buildings, churches and properties used for other purposes; and consumer loans, including home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans, as well as commercial non-mortgage loans. Kentucky First Federal Bancorp was incorporated in 2005 and is based in Hazard, Kentucky. Kentucky First Federal Bancorp is a subsidiary of First Federal MHC.
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