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Kentucky First Federal Bancorp (KFFB) earnings and revenue breakdown
Latest: Q4 FY26 · 10-K filed Sep 28, 2026 · Kentucky First Federal Bancorp (KFFB) Q4 FY26 earnings results →
Q4 FY26 Revenue up 34% year over year to $3.2M · 21¢ of every $1 of revenue kept as net profit · operating margin 27.6%
Kentucky First Federal Bancorp made $3.2M in Q4 FY26 (+34% Y/Y): Net interest income $3.1M, Noninterest income $159K. Operating margin 27.6%, net earnings $680K. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-K filed Sep 28, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $3.2M in Q4 FY26, up 34% year over year and up 8% from the previous quarter. Net interest income was the largest line at 95% of revenue. Net interest income added $780K year over year (up 34%), 94% of the total change.
Operating profit was $895K, a 27.6% margin (up 17.7 points year over year). Of the extra revenue versus a year earlier, 79% reached operating profit, above the 10% margin then. Total costs grew 8% against revenue growth of 34%. The fastest-growing cost line was Credit loss provision (+6100%). Net earnings were $680K, up 286% year over year. The effective tax rate was 24.0%.
Operating cash flow was $214K (up 638% year over year), 31% of net earnings. Non-cash charges added back $55K of depreciation. Working capital and other items used $521K. Capital expenditures of $4K left free cash flow of $210K.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q4 FY26 | 10-K | Sep 28, 2026 | $3.2M | +34% | 27.6% | $680K | $214K |
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📈Investments: gains and what it boughtinteractive
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About Kentucky First Federal Bancorp
Certain statements contained in this report, as well as other periodic reports filed with the Securities and Exchange Commission, that are not historical facts are considered “forward-looking statements” under the Private Securities Litigation Reform Act of 1995, that are subject to certain risks and uncertainties. These forward-looking statements may be identified by the use of words such as “believe,” “expect,” “anticipate,” “plan,” “estimate,” “intend” and “potential,” or words of similar meaning, or future or conditional verbs such as “should,” “could,” or “may.” Forward-looking statements include statements of our goals, intentions and expectations; statements regarding our business plans, prospects, growth and operating strategies; statements regarding the quality of our loan and investment portfolios; and estimates of our risks and future costs and benefits.
In its own words, from its 10-K, filed Sep 28, 2026.
Kentucky First Federal Bancorp against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +34% against the peers' median +8%. Operating margin: 27.6% against the peers' median 35.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| KFFB Kentucky First Federal Bancorp | Q4 FY26 | $3.2M | +34% | 27.6% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
Source: Kentucky First Federal Bancorp 10-K on SEC EDGAR · CIK 1297341 · Savings Institution, Federally Chartered
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History
Every quarter: Q4 FY26 results