Filing Flows › Kentucky First Federal Bancorp (KFFB) › Q4 FY26
Kentucky First Federal Bancorp (KFFB) Q4 FY26 earnings results (fourth quarter fiscal 2026)
10-K filed Sep 28, 2026
Kentucky First Federal Bancorp (KFFB) reported revenue of $3.2M for the fourth quarter fiscal 2026 (Q4 FY26), +34% from a year earlier and +8% from the quarter before. Operating margin was 27.6%, net earnings $680K (21.0% of revenue).
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 follows the revenue to costs, profit and cash.
| Q4 FY26 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.2M | +8% | +34% |
| Operating profit | $895K | +19% | +274% |
| Net earnings | $680K | +17% | +286% |
| Operating cash flow | $214K | -76% | +638% |
| Free cash flow | $210K | -74% | +650% |
What changed
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.
Questions
What was Kentucky First Federal Bancorp's revenue in the fourth quarter fiscal 2026?
Kentucky First Federal Bancorp (KFFB) reported revenue of $3.2M for the fourth quarter fiscal 2026 (Q4 FY26), +34% from a year earlier and +8% from the quarter before.
Was Kentucky First Federal Bancorp profitable in the fourth quarter fiscal 2026?
Operating profit was $895K (27.6% of revenue) and net earnings $680K.