KFFB earnings analysis
What we found in KFFB's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
Kentucky First Federal Bancorp reported a strong Q3 2026 with significant improvements in net income and revenue, reflecting robust net interest income growth. The company reported an EPS of $0.07, a substantial increase from $0.00 in Q3 2025, alongside revenues increasing to $3,006,000, driven largely by improved interest income activities.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- Net Income Increased to $581,000
- Net income for Q3 2026 surged from $7,000 in Q3 2025 to $581,000.
- Revenue Growth to $3,006,000
- Total revenue increased from $780,000 in Q3 2025 to $3,006,000 in Q3 2026.
- Earnings per Share (EPS) Rise
- Diluted EPS jumped from $0.00 in Q3 2025 to $0.07 in Q3 2026.
- Improved Net Interest Income
- Net interest income rose by 34.5% to $2.9 million, due to higher loan rates.
- Substantial Decrease in Non-Performing Loans
- Non-performing loans decreased from $3.9 million or 1.2% of total loans to approximately $2.4 million or 0.7%.
- Strong Capital Position Maintained
- Total assets rose 0.9% to $374.5 million, reflecting solid growth in the balance sheet and maintenance of well-capitalized status.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- Regulatory Developments
- The termination of the formal written agreement with the OCC may ease operational constraints but remains a potential risk if conditions worsen.
- Dependence on Net Interest Income
- The company's performance continues to be heavily reliant on net interest income amidst volatile market conditions.
- Increased Non-Interest Expenses
- Non-interest expenses rose by 7.0%, driven by higher data processing and compensation costs, affecting profitability.
What they reported.
What the company itself reported, taken out of the document.
- Earnings per share
- $0.07
What they said about what is next.
Outlook deferred to earnings press release / call.
The filing reads better than the one before it.
What came before.
- 10-Q · February 13, 2026
- Kentucky First Federal reported improving profitability in Q2 (three months ended December 31, 2025) with net income of $304,000 and diluted EPS of $0.04 on net revenue (net interest income + non-interest income) of…
- 10-Q · February 14, 2025
- Kentucky First Federal reported a modest net income of $13,000 for the quarter ended December 31, 2024 on total revenue of $2,209,000, reversing a prior-year quarter net loss of $361,000. Net interest income…
- 10-Q · November 14, 2024
- Kentucky First Federal reported total revenue of $2,007,000 and a net loss of $15,000 (loss per share $(0.00)) for the three months ended September 30, 2024, an improvement of $160,000 vs. the prior-year quarter. Net…
- 10-Q · February 14, 2024
- Kentucky First Federal Bancorp reported a weak quarter: total revenue of $1,703,000 and a net loss of $(361,000) (diluted EPS $(0.05)) for the three months ended December 31, 2023, versus revenue of $2,517,000 and net…
This is our reading of a public filing, not the filing. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
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