Is Kentucky First Federal Bancorp overvalued or undervalued?

As of 31 October 2025, Kentucky First Federal Bancorp's valuation grade has moved from fair to expensive, indicating a shift towards overvaluation. The company appears overvalued based on its Price to Book Value of 0.46, EV to Capital Employed of 0.63, and a negative EV to EBIT and EV to EBITDA of -43.51. In comparison to peers, Magyar Bancorp, Inc. is very attractive with a P/E ratio of 11.61, while CFSB Bancorp, Inc. is considered risky with an EV to EBITDA of -92.33.
Despite a strong year-to-date return of 27.69% compared to the S&P 500's 16.30%, the long-term performance shows significant underperformance, particularly over three and five years, where the stock returned -46.32% and -39.72%, respectively, against the S&P's substantial gains. This long-term trend reinforces the view that Kentucky First Federal Bancorp is overvalued in its current state.