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Kentucky First Federal Bancorp (KFFB) Annual Reports

Q: Where can I read Kentucky First Federal Bancorp (KFFB) annual reports?

Every year on this page links straight to the full text on SEC EDGAR. US annual reports are web pages (HTML) rather than PDFs, so you can read and search them in the browser. 3 filings are currently indexed.

Q: What is the difference between a 10-K and a 20-F?

A 10-K is the annual report of a US domestic issuer; a 20-F is filed by foreign private issuers (Taiwanese companies with US ADRs, such as TSMC, file 20-F). A 40-F applies to Canadian issuers under the MJDS.

Kentucky First Federal Bancorp is listed on Nasdaq, classified by the SEC under Savings Institution, Federally Chartered (SIC 6035). This page indexes 3 annual reports, each linking to the full text on the SEC's EDGAR system.

Company profile

Exchange： Nasdaq
Fiscal year end： 06/30
SEC CIK： 1297341 →

Financial Highlights

FY2026 Q3 (quarterly, ended 2026-03-31)
	Current	Prior year	YoY
Net income	$581,000	$7,000	+8200.0%
EPS (diluted)	$0.07	$0.00	—

Source: SEC EDGAR (XBRL company facts)

Financial history

Revenue & profit

Quarterly · In mn (USD)

Revenue 0.02 mn Net income 0.58 mn

Periods follow the company’s fiscal year (Apple ends in September, Walmart in January), so they differ from calendar quarters.

Show table：Income statement

Item	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2	2026Q3
Revenue	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.02	—	—	—	0.02	—	—	—	0.02	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net income	0.33	0.42	0.44	0.56	0.42	0.39	0.53	0.38	0.52	0.93	0.63	0.84	0.42	0.6	0.49	0.42	0.42	0.58	0.54	0.54	0.54	0.4	0.18	0.38	0.3	0.25	0.17	0.22	0.28	0.87	0.16	0.01	0.14	0.17	0.21	0.3	0.23	0.25	0.24	-13.3	0.28	0.37	0.47	0.69	0.57	0.48	0.33	0.21	0.37	0.37	0.14	0.04	-0.17	-0.36	-0.11	-1.08	-0.01	0.01	0.01	0.18	0.34	0.3	0.58

Balance sheet

Quarterly · In mn (USD)

Total assets 375 mn Total liabilities 325 mn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Show table：Balance sheet

Item	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2	2026Q3
Total assets	—	—	—	226	228	236	222	223	220	353	332	324	315	316	306	300	296	303	295	296	296	307	294	292	295	306	305	308	305	309	313	318	317	321	319	331	329	329	331	321	328	331	333	338	337	340	334	328	331	335	343	349	357	366	369	375	376	374	381	371	366	375	375
Total liabilities	—	—	—	167	169	177	163	164	161	287	266	257	248	249	239	232	229	236	227	229	228	239	227	224	228	238	238	241	237	242	245	251	249	254	253	264	263	263	265	269	276	279	281	286	284	287	281	276	279	284	292	298	307	317	320	327	327	326	333	323	318	326	325
Equity	—	—	—	58.7	58.9	59.0	59.3	58.9	59.1	65.8	66.1	66.6	66.7	67.0	67.1	67.2	67.2	67.2	67.0	67.3	67.5	67.6	67.5	67.5	67.5	67.5	67.3	67.2	67.1	67.7	67.5	67.2	67.4	66.8	66.5	66.3	66.0	65.8	65.6	51.9	51.8	51.8	51.9	52.3	52.5	52.7	52.6	52.0	51.6	51.6	51.1	50.7	49.6	49.2	49.0	48.0	48.2	48.1	48.1	48.4	48.8	49.1	49.7

Cash flow

Quarterly · In mn (USD)

Operating 0.89 mn Investing 2.42 mn Financing -1.68 mn

Positive = cash in, negative = cash out.

Show table：Cash flow statement

Item	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2	2026Q3
Operating	0.44	0.55	0.8	1.71	1.34	-0.79	0.85	0.05	0.72	-0.04	1.93	2.12	0.97	0.39	2.37	-1.24	0.64	0.79	1.29	0.37	0.64	0.75	0.22	-0.16	0.55	0.53	0.47	0.54	0.51	0.53	0.2	-0.08	0.42	0.05	0.33	0.21	0.02	0.76	0.17	0.09	0.26	-0.14	1.15	0.32	2.13	-0.7	-0.28	1.50	0.44	0.37	0.2	0.15	-0.57	-0.52	-0.18	-0.19	-1.41	1.45	-0.15	0.03	0.45	-0.3	0.89
Investing	0.47	-7.67	13.0	0.26	2.06	-12.7	14.6	0.56	4.85	-10.0	13.5	7.50	4.72	-6.35	13.8	6.25	3.19	-8.71	8.39	1.95	-0.68	-9.39	15.8	-1.79	-2.86	-12.0	0.48	-3.45	-0.63	-3.85	-3.15	-4.95	1.63	-4.25	1.56	-11.5	4.56	-0.82	3.18	-6.67	-3.24	-4.87	-2.38	1.65	4.26	17.4	7.35	-15.6	-20.7	-5.64	-7.05	-6.06	-3.54	-7.06	-2.11	-3.89	0.21	3.42	0.62	1.87	-0.5	-3.16	2.42
Financing	-1.19	4.85	-13.3	-3.24	0.09	9.09	-15.3	0.82	-3.98	18.1	-14.4	-9.51	-9.49	1.13	-11.1	-6.49	-4.47	6.83	-9.64	1.48	-0.94	10.5	-12.9	-2.51	2.85	10.4	-0.81	3.06	-4.33	4.33	3.22	5.35	-2.06	4.42	-1.84	11.0	-2.28	-0.21	1.79	3.26	6.40	2.63	1.27	4.91	-2.10	2.69	-6.30	-6.09	3.11	4.29	7.28	5.99	8.53	9.58	3.13	6.94	0.18	-1.16	6.31	-10.2	-4.80	8.51	-1.68
Cash at period end	8.09	5.82	6.31	5.05	8.53	4.16	4.31	5.74	7.32	15.3	16.4	16.5	12.7	7.91	13.0	11.5	10.9	9.79	9.83	13.6	12.7	14.5	17.6	13.1	13.7	12.5	12.7	12.8	8.35	9.36	9.63	9.94	9.93	10.1	10.2	9.86	12.2	11.9	17.0	13.7	17.1	14.7	14.8	21.6	25.9	45.3	46.1	25.8	8.64	7.65	8.09	8.17	12.6	14.6	15.4	18.3	17.3	21.0	27.8	19.5	14.6	19.7	21.3

Profitability

Quarterly · %

Net margin 2000.0%

Gross, operating and net margin = the respective profit ÷ revenue.

Show table：Profitability

Item	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2	2026Q3
Net margin	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1136.8%	—	—	—	70.6%	—	—	—	2000.0%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Returns & leverage

Quarterly · %

ROE 2.9% ROA 0.4% Debt ratio 86.7%

ROE / ROA = trailing four-quarter net income ÷ average equity / total assets (annual mode: the year’s net income ÷ average of opening and closing). Not computed when the denominator is zero or negative.

Show table：Returns & leverage

Item	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2	2026Q3
ROE	—	—	—	3.0%	3.1%	3.1%	3.2%	2.9%	3.1%	3.8%	3.9%	4.7%	4.5%	3.8%	3.5%	2.9%	2.9%	2.8%	2.9%	3.1%	3.3%	3.0%	2.5%	2.2%	1.9%	1.6%	1.6%	1.4%	1.4%	2.3%	2.3%	2.0%	1.8%	0.7%	0.8%	1.2%	1.4%	1.5%	1.6%	-21.2%	-21.2%	-21.0%	-20.7%	3.5%	4.0%	4.2%	4.0%	3.0%	2.7%	2.5%	2.1%	1.8%	0.8%	-0.7%	-1.2%	-3.5%	-3.2%	-2.4%	-2.2%	0.4%	1.1%	1.7%	2.9%
ROA	—	—	—	0.8%	0.8%	0.8%	0.8%	0.8%	0.8%	0.8%	0.9%	1.1%	1.1%	0.7%	0.7%	0.6%	0.6%	0.6%	0.7%	0.7%	0.7%	0.7%	0.6%	0.5%	0.4%	0.4%	0.4%	0.3%	0.3%	0.5%	0.5%	0.4%	0.4%	0.1%	0.2%	0.3%	0.3%	0.3%	0.3%	-3.9%	-3.8%	-3.8%	-3.7%	0.6%	0.6%	0.7%	0.6%	0.5%	0.4%	0.4%	0.3%	0.3%	0.1%	-0.1%	-0.2%	-0.5%	-0.4%	-0.3%	-0.3%	0.1%	0.1%	0.2%	0.4%
Debt ratio	—	—	—	74.0%	74.1%	75.0%	73.3%	73.6%	73.1%	81.3%	80.1%	79.4%	78.8%	78.8%	78.1%	77.6%	77.3%	77.8%	77.2%	77.3%	77.2%	78.0%	77.1%	76.9%	77.1%	77.9%	78.0%	78.2%	78.0%	78.1%	78.4%	78.9%	78.7%	79.2%	79.2%	80.0%	79.9%	80.0%	80.2%	83.8%	84.2%	84.3%	84.4%	84.5%	84.4%	84.5%	84.2%	84.1%	84.4%	84.6%	85.1%	85.5%	86.1%	86.6%	86.7%	87.2%	87.2%	87.2%	87.3%	87.0%	86.7%	86.9%	86.7%

EPS

Quarterly · US$

EPS US$0.07

Show table：EPS

Item	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2	2026Q3
EPS（US$）	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.22	0.07	0.06	0.04	0.02	0.05	0.04	0.02	0.00	-0.02	-0.05	-0.01	-0.13	0.00	0.00	0.00	0.02	0.04	0.04	0.07

Revenue & profit

Year-to-date · In mn (USD)

Net income 1.23 mn

Year-to-date = summed from the first quarter of the fiscal year; balance-sheet items are period-end balances.

Balance sheet

Year-to-date · In mn (USD)

Total assets 375 mn Total liabilities 325 mn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Cash flow

Year-to-date · In mn (USD)

Operating 1.03 mn Investing -1.24 mn Financing 2.03 mn

Positive = cash in, negative = cash out.

Returns & leverage

Year-to-date · %

ROE 2.9% ROA 0.4% Debt ratio 86.7%

EPS

Year-to-date · US$

EPS US$0.15

Revenue & profit

Annual · In mn (USD)

Net income 0.18 mn

Annual = sum of four quarters of a complete fiscal year (incomplete years are omitted); balance-sheet items are year-end balances.

Show table：Income statement

Item	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Net income	1.76	1.72	2.92	1.93	2.07	1.50	0.94	1.32	0.81	-12.6	1.82	1.59	0.93	-1.72	0.18

Balance sheet

Annual · In mn (USD)

Total assets 371 mn Total liabilities 323 mn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Show table：Balance sheet

Item	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total assets	226	223	324	300	296	292	308	318	331	321	338	328	349	375	371
Total liabilities	167	164	257	232	229	224	241	251	264	269	286	276	298	327	323
Equity	58.7	58.9	66.6	67.2	67.3	67.5	67.2	67.2	66.3	51.9	52.3	52.0	50.7	48.0	48.4

Cash flow

Annual · In mn (USD)

Operating -0.09 mn Investing 6.12 mn Financing -4.84 mn

Positive = cash in, negative = cash out.

Show table：Cash flow statement

Item	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Operating	3.51	1.44	4.73	2.49	3.10	1.45	2.10	1.15	1.00	1.04	1.58	2.64	1.15	-1.45	-0.09
Investing	6.04	4.54	15.9	18.5	4.82	3.93	-17.9	-12.6	-12.6	0.24	-8.85	13.3	-39.5	-16.6	6.12
Financing	-12.9	-5.29	-9.78	-26.0	-5.79	-5.91	15.5	8.57	11.5	2.56	15.2	-11.8	20.7	28.2	-4.84
Cash at period end	5.05	5.74	16.5	11.5	13.6	13.1	12.8	9.94	9.86	13.7	21.6	25.8	8.17	18.3	19.5

Returns & leverage

Annual · %

ROE 0.4% ROA 0.1% Debt ratio 87.0%

Show table：Returns & leverage

Item	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
ROE	3.0%	2.9%	4.7%	2.9%	3.1%	2.2%	1.4%	2.0%	1.2%	-21.2%	3.5%	3.0%	1.8%	-3.5%	0.4%
ROA	0.8%	0.8%	1.1%	0.6%	0.7%	0.5%	0.3%	0.4%	0.3%	-3.9%	0.6%	0.5%	0.3%	-0.5%	0.1%
Debt ratio	74.0%	73.6%	79.4%	77.6%	77.3%	76.9%	78.2%	78.9%	80.0%	83.8%	84.5%	84.1%	85.5%	87.2%	87.0%

EPS

Annual · US$

EPS US$0.02

Show table：EPS

Item	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
EPS（US$）	—	—	—	—	—	—	—	—	—	—	—	0.19	0.11	-0.21	0.02

Source: SEC EDGAR (XBRL company facts)

Annual reports by year

	10-K
2025	Open full text →
2024	Open full text →
2023	Open full text →

10-K: annual report of a US domestic issuer. Filings are the original documents hosted on SEC EDGAR — this site neither mirrors nor edits them.

FAQ

Where can I read Kentucky First Federal Bancorp (KFFB) annual reports?

Every year in the table above links straight to the full text on SEC EDGAR. US annual reports are web pages (HTML) rather than PDFs, so you can read and search them in the browser without downloading anything. 3 filings are currently indexed.

What is the difference between a 10-K and a 20-F?

A 10-K is the annual report of a US domestic issuer, with sections fixed by law: Item 1 Business, Item 1A Risk Factors, Item 7 Management's Discussion and Analysis. A 20-F is filed by foreign private issuers — Taiwanese companies with US ADRs, such as TSMC, file 20-F rather than 10-K. A 40-F applies to Canadian issuers under the MJDS.

Are earnings call materials available here?

No. Earnings calls are not SEC filings, so US pages on this site cover annual reports only. Taiwan has a mandatory investor-conference disclosure regime, and those materials are indexed under Annual Reports.

Source: US Securities and Exchange Commission (SEC) EDGAR. This site indexes public filings and links to them; it hosts no copies, offers no investment advice, and makes no warranty as to timeliness or completeness.
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