Kentucky First Federal Bancorp (KFFB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

1895 Bancorp of Wisconsin, Inc.

Home Federal Bancorp, Inc. of Louisiana

Texas Community Bancshares, Inc.

Kentucky First Federal Bancorp

IF Bancorp, Inc.

Magyar Bancorp, Inc.

Catalyst Bancorp, Inc.

Broadway Financial Corp. (California)

TC Bancshares, Inc.

NSTS Bancorp, Inc.

CFSB Bancorp, Inc

Why is Kentucky First Federal Bancorp ?

Weak Long Term Fundamental Strength as the company has not declared results in the last 6 months

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -166.23%
A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

With a growth in Interest of NAN%, the company declared Outstanding results in Mar 25

The company has declared positive results for the last 2 consecutive quarters
NET SALES(Q) Highest at USD 4.85 MM
NET PROFIT(Q) At USD 0.01 MM has Grown at 111.67%
NII(Q) Highest at USD 2.13 MM

With ROA of -0.03%, it has a risky valuation with a 0.46 Price to Book Value

Over the past year, while the stock has generated a return of 70.77%, its profits have risen by 47%

Increasing Participation by Institutional Investors

Institutional investors have increased their stake by 1.1% over the previous quarter and collectively hold 4.88% of the company
These investors have better capability and resources to analyse fundamentals of companies than most retail investors

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Kentucky First Federal Bancorp should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Kentucky First Federal Bancorp for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Kentucky First Federal Bancorp

67.05%

0.49

67.02%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

7.40%

EBIT Growth (5y)

-152.79%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

4.88%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.46

EV to EBIT

-43.51

EV to EBITDA

-43.51

EV to Capital Employed

0.63

EV to Sales

2.33

PEG Ratio

Dividend Yield

ROCE (Latest)

-0.57%

ROE (Latest)

-0.26%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bullish

Dow Theory

No Trend

Bearish

OBV

Mildly Bearish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

21What is working for the Company

NET SALES(Q)

Highest at USD 4.85 MM

NET PROFIT(Q)

At USD 0.01 MM has Grown at 111.67%

NII(Q)

Highest at USD 2.13 MM

CASH AND EQV(HY)

Highest at USD 7.32 MM

OPERATING PROFIT(Q)

Highest at USD 0.01 MM

OPERATING PROFIT MARGIN(Q)

Highest at 0.31 %

PRE-TAX PROFIT(Q)

Highest at USD 0.01 MM

-1What is not working for the Company

CREDIT DEPOSIT RATIO(HY)

Lowest at 119.95%

Here's what is working for Kentucky First Federal Bancorp

Net Sales

Highest at USD 4.85 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Pre-Tax Profit

At USD 0.01 MM has Grown at 118.18%

over average net sales of the previous four periods of USD -0.08 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 0.01 MM has Grown at 111.67%

over average net sales of the previous four periods of USD -0.06 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 2.13 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Profit

Highest at USD 0.01 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 0.31 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 0.01 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Cash and Eqv

Highest at USD 7.32 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for Kentucky First Federal Bancorp

Credit Deposit Ratio

Lowest at 119.95%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)