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Kentucky First Federal Bancorp cash flow, quarter by quarter

Latest: Q3 FY26 · from the cash-flow statements filed with the SEC

Free cash flow$823K in Q3 FY26 · $929K over twelve months

Operating cash flow$886K
Capital spending−$63K
Free cash flow+$823K
Cash / net income1.5×

Analysis

In Q3 FY26, Kentucky First Federal Bancorp generated $886K of operating cash flow and spent $63K on capital projects, leaving free cash flow of $823K. That is $1.0M more than in Q3 FY25 (−$220K).

Over the twelve months to Mar 31, 2026, operating cash flow was $1.1M; the largest uses were other financing ($8.1M), capital spending ($133K); besides operations, cash came from other investing ($756K); the cash balance fell by $6.5M.

Operating cash flow was $886K against net income of $581K — 1.5× profit, cash ran ahead of reported earnings. The largest differences: income taxes payable +$219K, other liabilities +$128K, prepaid and other assets −$79K.

Free cash flow

Kentucky First Federal Bancorp: free cash flow by quarterKentucky First Federal Bancorp: free cash flow by quarter−$192KQ4 FY24−$1.4MQ1 FY25$1.4MQ2 FY25−$220KQ3 FY25$28KQ4 FY25$445KQ1 FY26−$367KQ2 FY26$823KQ3 FY26
Operating cash flow less capital spending.
Kentucky First Federal Bancorp: operating cash flow against capital spendingKentucky First Federal Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending−$186K$6KQ4 FY24−$1.4M$2KQ1 FY25$1.4M$81KQ2 FY25−$155K$65KQ3 FY25$29K$1KQ4 FY25$450K$5KQ1 FY26−$303K$64KQ2 FY26$886K$63KQ3 FY26
Latest (Q3 FY26): Operating cash flow $886K, Capital spending $63K.

Capital allocation, year by year

Kentucky First Federal Bancorp: where the cash came from (up) and went (down), by fiscal yearKentucky First Federal Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesCapital spendingBuybacksDividendsFY21: Operating cash flow $1.6MFY21: Asset sales $30KFY21: Capital spending −$101KFY21: Dividends −$1.4M$1.6MFY21FY22: Operating cash flow $2.6MFY22: Capital spending −$151KFY22: Dividends −$1.4M$2.6MFY22FY23: Operating cash flow $1.2MFY23: Asset sales $180KFY23: Capital spending −$127KFY23: Buybacks −$461KFY23: Dividends −$1.4M$1.3MFY23FY24: Operating cash flow −$1.5MFY24: Capital spending −$66KFY24: Dividends −$670KFY24FY25: Operating cash flow −$86KFY25: Capital spending −$149KFY25
Over these 5 years operating cash flow totalled $3.8M; the largest uses were dividends ($4.8M) and operating cash flow ($1.5M). Cash-flow statements as filed.

Where the cash came from and went

Kentucky First Federal Bancorp: sources (+) and uses (−) of cash, Q3 FY26Kentucky First Federal Bancorp: sources (+) and uses (−) of cash, Q3 FY26Other investing$2.5MOther financing−$1.7MCash drawn (+) / kept (−)−$1.6MOperating cash flow$886KCapital spending−$63K
Kentucky First Federal Bancorp: sources (+) and uses (−) of cash, TTM to Q3 FY26Kentucky First Federal Bancorp: sources (+) and uses (−) of cash, TTM to Q3 FY26Other financing−$8.1MCash drawn (+) / kept (−)$6.5MOperating cash flow$1.1MOther investing$756KCapital spending−$133K

From profit to cash

Kentucky First Federal Bancorp: net income to operating cash flow, Q3 FY26Kentucky First Federal Bancorp: net income to operating cash flow, Q3 FY26Net income$581KDepreciation & amortization$52KDeferred taxes−$54KPrepaid and other assets−$79KOther liabilities$128KIncome taxes payable$219KOperating cash flow$886K
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsCash drawn (+) / kept (−)Free cash flow
Q3 FY26$886K−$63K—−$1.6M$823K
Q2 FY26−$303K−$64K—−$5.0M−$367K
Q1 FY26$450K−$5K—$4.9M$445K
Q4 FY25$29K−$1K—$8.3M$28K
Q3 FY25−$155K−$65K—−$6.8M−$220K
Q2 FY25$1.4M−$81K—−$3.7M$1.4M
Q1 FY25−$1.4M−$2K—$1.0M−$1.4M
Q4 FY24−$186K−$6K$1K−$2.9M−$192K

Kentucky First Federal Bancorp: income statement and cash flow

Kentucky First Federal Bancorp, Q4 FY26: revenue $3.2M (+34% year over year), operating margin 27.6%. The chart follows the revenue to costs, profit and cash.

Kentucky First Federal Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.