Filing Flows › Kentucky First Federal Bancorp (KFFB) › Q4 FY26 › vs Q4 FY25
Kentucky First Federal Bancorp (KFFB) Q4 FY26 vs Q4 FY25 (year over year)
Kentucky First Federal Bancorp's revenue rose $828K (+34%) from $2.4M in Q4 FY25 to $3.2M in Q4 FY26. The biggest changes: Net interest income +$780K (+34%); Noninterest income +$48K (+43%). Operating margin 27.6% against 9.9% (+17.7 pts).
Kentucky First Federal Bancorp, Q4 FY26: revenue $3.2M (+34% year over year), operating margin 27.6%, net earnings $680K, operating cash flow $214K. The chart draws each line against Q4 FY25, the increases inside each band.
Margins
| Q4 FY26 | Q4 FY25 | Change | |
|---|---|---|---|
| Operating margin | 27.6% | 9.9% | +17.7 pts |
| Net margin | 21.0% | 7.3% | +13.7 pts |
| Free cash flow margin | 6.5% | 1.2% | +5.3 pts |
Every line
| Line | Q4 FY26 | Q4 FY25 | Change | % |
|---|---|---|---|---|
| Net interest income | $3.1M | $2.3M | $780K | +34% |
| Noninterest income | $159K | $111K | $48K | +43% |
| Revenue | $3.2M | $2.4M | $828K | +34% |
| Operating profit | $895K | $239K | $656K | +274% |
| Costs & expenses | $2.3M | $2.2M | $172K | +8% |
| Pre-tax earnings | $895K | $239K | $656K | +274% |
| Credit loss provision | $186K | $3K | $183K | 62× |
| Noninterest expense | $2.2M | $2.2M | −$11K | -0.5% |
| Net earnings | $680K | $176K | $504K | +286% |
| Income tax | $215K | $63K | $152K | +241% |
| Depreciation | $55K | $28K | $27K | +96% |
| Working capital & other | $521K | $175K | $346K | +198% |
| Operating cash flow | $214K | $29K | $185K | +638% |
| Free cash flow (OCF − capex) | $210K | $28K | $182K | +650% |
| Capital expenditures | $4K | $1K | $3K | +300% |
Questions
How much did Kentucky First Federal Bancorp's revenue grow year over year in Q4 FY26?
Kentucky First Federal Bancorp's revenue rose $828K (+34%) from $2.4M in Q4 FY25 to $3.2M in Q4 FY26.
What drove Kentucky First Federal Bancorp's revenue change in Q4 FY26?
Net interest income +$780K (+34%); Noninterest income +$48K (+43%).