Is Kentucky First Federal Bancorp overvalued or undervalued?

As of 31 October 2025, the valuation grade for Kentucky First Federal Bancorp has moved from fair to expensive, indicating a shift towards overvaluation. The company is currently considered overvalued based on its valuation ratios, including a Price to Book Value of 0.46, an EV to Capital Employed of 0.63, and a negative EV to EBITDA of -43.51. Comparatively, Magyar Bancorp, Inc. is rated very attractive with a P/E of 11.61, while TC Bancshares, Inc. is also categorized as expensive with a P/E of 58.07.
Despite the recent strong performance of Kentucky First Federal Bancorp, which has shown a 44.09% return over the past year compared to the S&P 500's 19.89%, the overall valuation metrics suggest that the stock is not a favorable investment at its current price level.