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Kentucky First Federal Bancorp (KFFB)

USD5.00 +0.10 (+2.04%)
US NASDAQ Financial Services Banks - Regional
Address 655 Main Street 41702
Hazard, KY, US
CEO R. Clay Hulette
IPO 2005-03-03
CIK 1297341 ISIN US4912921081

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Description

Kentucky First Federal Bancorp (KFFB) serves as the holding company for two financial institutions: First Federal Savings and Loan Association of Hazard, and Frankfort First Bancorp, Inc. Together, these subsidiaries deliver a variety of banking products and services to communities throughout Kentucky. Customers can access a suite of deposit products, including passbook savings, certificate accounts, checking accounts, and individual retirement accounts. KFFB's comprehensive loan offerings include residential mortgages for single to four-family homes, construction financing, and loans secured by multi-family properties. A substantial portion of its portfolio consists of non-residential loans, which are backed by commercial office buildings, churches, and other purpose-built properties. Furthermore, it provides commercial loans not tied to real estate, alongside an array of consumer credit options. These range from home equity lines of credit (HELOCs) and loans secured by savings deposits to automobile loans and unsecured personal financing. Beyond direct lending, KFFB also invests in mortgage-backed securities. The company operates through a network of seven branch locations. Established in 2005, its headquarters are located in Hazard, Kentucky. Kentucky First Federal Bancorp itself is a subsidiary of First Federal MHC.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD5.00 +0.10 (+2.04%)
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Volume Profile
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Liquidity & share structure
Average Volume
2.8K
Beta
0.15
Float Shares
3.03M
Free Float %
37.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-9.68% -0.05% -5.00% -12.31% -2.59% -9.29% +66.06% -25.48% -39.74% -53.19% -60.91%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
5.00
Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.20
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +18.9% Q1'26: +9.5% (vs Q1'25)
  • EPS growth
    +110.6% Q1'26: +7,877.8% (vs Q1'25)
  • FCF margin
    Q1'26: -6.8% (vs Q1'25)
  • EBIT margin
    Q1'26: +14.0% (vs Q1'25)
  • ROIC
    Q1'26: +3.0% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: -0.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 16.20× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.12) × ERP
WACC = 47% × Ke + 53% × Kd (25.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 5.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Jun 2010
actual
Jun 2012
actual
Jun 2013
actual
Jun 2014
actual
Jun 2015
actual
Jun 2016
actual
Jun 2017
actual
Jun 2018
actual
Jun 2019
actual
Jun 2020
actual
Jun 2021
actual
Jun 2022
actual
Jun 2023
actual
Jun 2024
actual
Revenue
11.67M
est: 7.16M (+62.9%)
10.30M
est: 9.17M (+12.2%)
12.53M
est: 10.09M (+24.1%)
13.49M
est: 11.10M (+21.6%)
12.90M
est: 12.21M (+5.7%)
12.02M
est: 13.43M (-10.5%)
11.68M
est: 14.78M (-21.0%)
12.58M
est: 16.25M (-22.6%)
12.93M
est: 17.88M (-27.7%)
13.22M
est: 19.67M (-32.8%)
12.75M
est: 21.63M (-41.1%)
11.43M
est: 23.80M (-52.0%)
13.05M
est: 26.18M (-50.1%)
16.53M
est: 28.79M (-42.6%)
EBITDA
907.0K
est: 2.02M (-55.0%)
2.83M
est: 9.02M (-68.6%)
4.46M
est: 9.93M (-55.1%)
3.17M
est: 10.92M (-70.9%)
3.37M
est: 12.01M (-72.0%)
2.42M
est: 13.21M (-81.7%)
1.78M
est: 14.53M (-87.7%)
1.60M
est: 15.99M (-90.0%)
1.24M
est: 17.58M (-93.0%)
-12.01M
est: 19.34M (-162.1%)
2.46M
est: 21.28M (-88.4%)
2.35M
est: 23.41M (-90.0%)
1.48M
est: 25.75M (-94.2%)
-1.73M
est: 28.32M (-106.1%)
EBIT
604.0K
est: 1.90M (-68.2%)
2.56M
est: 2.43M (+5.0%)
4.22M
est: 2.68M (+57.7%)
2.89M
est: 2.95M (-2.0%)
3.09M
est: 3.24M (-4.6%)
2.10M
est: 3.56M (-41.2%)
1.45M
est: 3.92M (-63.1%)
1.29M
est: 4.31M (-70.2%)
953.0K
est: 4.74M (-79.9%)
-12.28M
est: 5.22M (-335.4%)
2.17M
est: 5.74M (-62.2%)
2.07M
est: 6.31M (-67.3%)
1.23M
est: 6.95M (-82.3%)
-1.96M
est: 7.64M (-125.7%)
Net Income
401.0K
est: -659.0K (+160.8%)
1.72M
est: 838.6K (+104.5%)
2.92M
est: 922.4K (+216.1%)
1.93M
est: 1.01M (+90.6%)
2.07M
est: 1.12M (+85.4%)
1.50M
est: 1.23M (+22.3%)
935.0K
est: 1.35M (-30.8%)
1.32M
est: 1.49M (-10.9%)
812.0K
est: 1.63M (-50.3%)
-12.55M
est: 1.80M (-798.0%)
1.82M
est: 1.98M (-8.0%)
1.59M
est: 2.17M (-26.9%)
933.0K
est: 2.39M (-61.0%)
-1.72M
est: 2.63M (-165.4%)
SGA
3.93M
est: 4.99M (-21.4%)
3.89M
est: 4.82M (-19.4%)
5.15M
est: 5.31M (-3.0%)
6.18M
est: 5.84M (+5.9%)
5.72M
est: 6.42M (-11.0%)
6.08M
est: 7.06M (-14.0%)
6.37M
est: 7.77M (-18.1%)
6.81M
est: 8.55M (-20.3%)
6.86M
est: 9.40M (-27.0%)
6.57M
est: 10.34M (-36.4%)
6.72M
est: 11.38M (-41.0%)
5.06M
est: 12.51M (-59.6%)
5.18M
est: 13.76M (-62.3%)
5.39M
est: 15.14M (-64.4%)
EPS
0.05
est: 0.28 (-81.8%)
0.23
est: 0.23 (+2.2%)
0.36
est: 0.25 (+44.0%)
0.23
est: 0.28 (-16.4%)
0.25
est: 0.30 (-16.7%)
0.18
est: 0.33 (-44.6%)
0.11
est: 0.35 (-68.6%)
0.16
est: 0.38 (-57.3%)
0.10
est: 0.40 (-75.0%)
-1.52
est: 0.44 (-449.4%)
0.22
est: 0.47 (-53.2%)
0.19
est: 0.52 (-63.5%)
0.11
est: 0.57 (-80.7%)
-0.21
est: 0.62 (-133.9%)
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 C+ 2/5 1/5 2/5 2/5 2/5 1/5 4/5
2026-05-08 C+ 2/5 1/5 2/5 2/5 2/5 1/5 4/5
2026-05-07 C+ 2/5 1/5 2/5 2/5 2/5 1/5 4/5
2026-05-06 C+ 2/5 1/5 2/5 2/5 2/5 1/5 4/5
2026-05-05 C+ 2/5 1/5 2/5 2/5 2/5 1/5 4/5
2026-05-04 C+ 2/5 1/5 2/5 2/5 2/5 1/5 4/5
2026-05-01 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-30 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-29 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-28 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-27 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-24 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-23 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-22 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-21 B- 2/5 1/5 2/5 4/5 2/5 1/5 4/5
2026-04-20 B- 2/5 1/5 2/5 4/5 2/5 1/5 4/5
2026-04-17 C+ 2/5 1/5 2/5 4/5 1/5 1/5 4/5
2026-04-16 C+ 2/5 1/5 2/5 4/5 1/5 1/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
564.4K
OE per share TTM
0.07
Owner's Yield
1.49%
Maintenance CapEx ratio
21.29%
Maint CapEx / Avg PPE
32.3%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
4
Total invested
413.4K
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
4
-9 vs prev Q
New positions
1
Closed positions
10
Increased
2
Reduced
1
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 TI-TRUST, INC 87.7K +— (+0.0%) 407.7K +93.8K (+29.9%) 1.08% +0.002 pp 0.25% +0.054 pp USD2.98 +56.0% 4 qtrs
2 DIMENSIONAL FUND ADVISORS LP 80.6K +— (+0.0%) 374.9K +66.9K (+21.7%) 1.00% +0.000 pp 0.00% +0.000 pp USD7.67 -39.4% 51 qtrs
3 VANGUARD GROUP INC 69.4K -357.0 (-0.5%) 322.8K +56.3K (+21.1%) 0.86% -0.004 pp 0.00% +0.000 pp USD6.21 -25.1% 19 qtrs
4 FARMERS NATIONAL BANK 22.1K +22.1K (+100.0%) 102.7K +102.7K (+100.0%) 0.27% +0.273 pp 0.02% +0.023 pp USD4.65 +0.0% 1 qtrs NEW
5 GEODE CAPITAL MANAGEMENT, LLC 21.6K +469.0 (+2.2%) 100.3K +19.7K (+24.4%) 0.27% +0.006 pp 0.00% +0.000 pp USD7.36 -36.8% 15 qtrs
6 KENTUCKY TRUST CO 4.1K -1.5K (-26.6%) 19.1K -925.0 (-4.6%) 0.05% -0.018 pp 0.01% -0.001 pp USD2.98 +56.0% 5 qtrs
7 MORGAN STANLEY 3.2K -1.9K (-37.0%) 15.1K -3.4K (-18.2%) 0.04% -0.024 pp 0.00% +0.000 pp USD6.11 -23.9% 49 qtrs
8 TOWER RESEARCH CAPITAL LLC (TRC) 3.0K +1.8K (+144.8%) 14.0K +9.6K (+218.0%) 0.04% +0.022 pp 0.00% +0.000 pp USD4.50 +3.3% 13 qtrs
9 ADVISOR GROUP HOLDINGS, INC. 1.8K +— (+0.0%) 8.5K +2.0K (+29.9%) 0.02% +0.000 pp 0.00% +0.000 pp USD2.98 +56.0% 24 qtrs
10 DELTA ASSET MANAGEMENT LLC/TN 603.00 +— (+0.0%) 2.8K +501.0 (+21.8%) 0.01% +0.000 pp 0.00% +0.000 pp USD6.66 -30.2% 13 qtrs
11 GLEN EAGLE ADVISORS, LLC 225.00 +— (+0.0%) 1.0K +240.0 (+29.8%) 0.00% +0.000 pp 0.00% +0.000 pp USD7.26 -36.0% 18 qtrs
12 BANK OF AMERICA CORP /DE/ 27.00 -1.0 (-3.6%) 126.00 +26.0 (+26.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD2.89 +60.9% 7 qtrs
13 SBI SECURITIES CO., LTD. 3.00 -3.0 (-50.0%) 14.00 -7.0 (-33.3%) 0.00% +0.000 pp 0.00% +0.000 pp USD2.33 +99.6% 5 qtrs
14 COMMUNITY TRUST & INVESTMENT CO -21.6K (-100.0%) -77.4K (-100.0%) 0.00% -0.267 pp 0.00% -0.004 pp USD 12 qtrs SOLD
15 UBS GROUP AG -2.0 (-100.0%) -7.0 (-100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD 41 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 17 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares Micro-Cap ETF IWC 0.00% 44.1K 0.60%
2 U.S. Micro Cap Portfolio ETF DFMC 0.00% 211.2K 0.43%
3 Dimensional - US Sustainability Core 1 ETF DFSU 0.00% 15.6K 0.15%
4 Vanguard Extended Market ETF VXF 0.00% 171.0K 0.05%
5 Dimensional - US Core Equity 1 ETF DCOR 0.00% 4.6K 0.14%
6 Dimensional - US Small Cap ETF DFAS 0.00% 17.3K 0.26%
7 Dimensional - US Core Equity 2 ETF DFAC 0.00% 17.9K 0.17%
8 Vanguard U.S. Total Market Shares Index ETF VTS.AX 0.00% 189.87 0.03%
9 Vanguard U.S. Total Market Index ETF (CAD-hedged) VUS.TO 0.00% 38.51 0.17%
10 Vanguard U.S. Total Market Index ETF VUN.TO 0.00% 521.31 0.17%

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
4
Sells
0
Shares acquired
1.4K
Shares disposed
Cash buys
2.00
Cash sales
Net activity
+1,350
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2025-06-27 JOHNSON WILLIAM H Director S-Sale D Common Stock 3,597 2.85 10.3K 45,848 I
2024-12-23 JOHNSON WILLIAM H Director P-Purchase A Common Stock 10,000 2.98 29.8K 49,445 I
2024-04-02 JOHNSON WILLIAM H Director / Officer L-Small A Common Stock 1,700 3.93 6.7K 39,445
2024-01-02 Eades Tyler Wayne Officer I Common Stock 0 0.00 791
2023-01-23 Ecton Walter G Jr Director P-Purchase A Common Stock 16 6.65 106.40 13,057
2023-01-19 Ecton Walter G Jr Director P-Purchase A Common Stock 358 6.65 2.4K 13,041
2023-01-09 Ecton Walter G Jr Director L-Small A Common Stock 5 6.65 33.25 11,712
2022-10-27 Ecton Walter G Jr Director L-Small A Common Stock 500 7.02 3.5K 11,707
2022-06-15 Hulette Teresa K Officer S-Sale D Common Stock 1,500 7.50 11.3K 17,496
2022-06-15 HULETTE R CLAY Officer S-Sale D Common Stock 1,500 7.50 11.3K 17,496
2022-01-27 Farler Lou Ella Director I Common Stock 0 0.00 24,671
2020-03-31 Hulette Teresa K Officer P-Purchase A Common Stock 1,500 6.04 9.1K 18,996
2020-03-31 HULETTE R CLAY Officer P-Purchase A Common Stock 1,500 6.04 9.1K 18,996
2020-03-30 JOHNSON WILLIAM H Director / Officer L-Small A Common Stock 425 5.54 2.4K 37,745
2019-11-22 DAVENPORT C MICHAEL Director P-Purchase A Common Stock 1,000 7.71 7.7K 40,028
2019-09-19 JENNINGS DON D Director / Officer P-Purchase A Common Stock 6,000 7.74 46.4K 51,282
2019-09-09 Whitaker Tony D Director P-Purchase A Common Stock 650 7.50 4.9K 54,074
2019-06-30 JOHNSON WILLIAM H Director / Officer D Common Stock 0 0.00 4,750
2019-06-30 JENNINGS DON D Director / Officer D Common Stock 0 0.00 18,643
2019-06-30 Hulette Teresa K Officer I Common Stock 0 0.00 2,803
2019-06-30 HULETTE R CLAY Officer I Common Stock 0 0.00 31,725
2019-06-30 Coffey Jaime Steele Officer 0 0.00 0
2019-01-02 Coffey Jaime Steele Officer I Common Stock 0 0.00 5,389
2018-06-30 JOHNSON WILLIAM H Director / Officer D Common Stock 0 0.00 4,750
2018-06-30 JENNINGS DON D Director / Officer D Common Stock 0 0.00 18,643
2018-06-30 Hulette Teresa K Officer I Common Stock 0 0.00 4,194
2018-06-30 HULETTE R CLAY Officer D Common Stock 0 0.00 17,496
2018-05-14 Farler Lou Ella Officer S-Sale D Common Stock 2,500 8.61 21.5K 0
2017-06-30 JOHNSON WILLIAM H Director / Officer D Common Stock 0 0.00 4,750
2017-06-30 JENNINGS DON D Director / Officer D Common Stock 0 0.00 18,643
2017-06-30 Hulette Teresa K Officer I Common Stock 0 0.00 4,194
2017-06-30 HULETTE R CLAY Officer I Common Stock 0 0.00 506
2017-06-30 Farler Lou Ella Officer I Common Stock 0 0.00 2,500
2017-06-02 JENNINGS DON D Director / Officer P-Purchase A Common Stock 8,000 9.62 77.0K 45,282
2016-06-30 Farler Lou Ella Officer I Common Stock 0 0.00 22,571
2016-03-31 HULETTE R CLAY Officer S-Sale D Common Stock 1,000 8.78 8.8K 17,496
2015-08-25 DAVENPORT C MICHAEL Director D Common Stock 0 0.00 39,028
2015-06-30 Farler Lou Ella Officer I Common Stock 0 0.00 2,500
2014-06-30 Farler Lou Ella Officer I Common Stock 0 0.00 15,627
2014-03-03 JOHNSON WILLIAM H Director / Officer S-Sale D Common Stock 3,500 8.37 29.3K 4,750
2013-01-17 HUDSON W BANKS III Director D Common Stock 0 0.00 33,583
2013-01-01 Farler Lou Ella Officer I Common Stock 0 0.00 2,500
2012-12-31 Whitaker Tony D Director / Officer I Common Stock 0 0.00 1,200
2012-12-31 JOHNSON WILLIAM H Officer A-Award A Common Stock 7,750 0.00 8,250
2012-12-31 Hulette Teresa K Officer J-Other A Common Stock 446 0.00 1,596
2012-12-31 HULETTE R CLAY Officer J-Other A Common Stock 787 0.00 2,598
2012-10-11 Hulette Teresa K Officer I Common Stock 0 0.00 17,727
2011-12-31 Whitaker Tony D Director / Officer I Common Stock 0 0.00 1,200
2011-12-02 JENNINGS DON D Director / Officer P-Purchase A Common Stock 4,500 9.25 41.6K 37,282
2011-11-10 Gorman William D Jr Director D Common 0 0.00 11,666
2011-06-24 Whitaker Tony D Director / Officer D Common Stock 0 0.00 47,800
2010-05-07 HULETTE R CLAY Officer P-Purchase A Common Stock 1,000 9.07 9.1K 14,677
2010-03-02 HULETTE R CLAY Officer S-Sale D Common Stock 3,000 12.26 36.8K 13,677
2010-01-08 Gorman William D Director M-Exempt D Stock Option (right to buy) 5,000 10.10 50.5K 16,000
2009-12-31 Whitaker Tony D Director / Officer I Common Stock 0 0.00 9,200
2009-06-30 Whitaker Tony D Director / Officer D Common Stock 0 0.00 47,800
2008-09-23 Ecton Walter G Jr Director P-Purchase A Common Stock 600 9.70 5.8K 600
2008-09-22 Ecton Walter G Jr Director P-Purchase A Common Stock 2,375 9.70 23.0K 11,207
2007-12-31 Whitaker Tony D Director / Officer D Common Stock 0 0.00 47,800
2007-09-05 Gorman William D Director P-Purchase A Common Stock 6,600 9.99 65.9K 21,600
2007-06-22 JENNINGS DON D Director / Officer P-Purchase A Common Stock 2,900 10.10 29.3K 32,782
2006-12-31 Whitaker Tony D Director / Officer D Common Stock 0 0.00 47,800
2006-12-13 Hulette Teresa K Officer I Employee Stock Option (right to buy) 52,000 10.10 525.2K 0
2006-12-13 Farler Lou Ella Officer D Employee Stock Option (right to buy) 8,400 10.10 84.8K 0
2005-12-31 Whitaker Tony D Director / Officer I Common Stock 0 0.00 1,200
2005-12-31 Pulliam Roy L Jr Officer D Common Stock 0 0.00 6,780
2005-12-13 Whitaker Tony D Director / Officer A-Award A Common Stock 42,000 0.00 42,000
2005-12-13 REGAN HERMAN D JR Director A-Award A Common Stock 8,400 0.00 8,400
2005-12-13 Pulliam Roy L Jr Officer A-Award A Common Stock 5,000 0.00 5,000
2005-12-13 JENNINGS DON D Director / Officer A-Award A Employee Stock Option (right to buy) 52,000 10.10 525.2K 52,000
2005-12-13 HULETTE R CLAY Officer A-Award A Employee Stock Option (right to buy) 52,000 10.10 525.2K 52,000
2005-12-13 HARROD DAVID R Director A-Award A Common Stock 8,400 0.00 8,400
2005-12-13 Gorman William D Director A-Award A Employee Stock Option (right to buy) 21,000 10.10 212.1K 21,000
2005-12-13 Ecton Walter G Jr Director A-Award A Employee Stock Option (right to buy) 21,000 10.10 212.1K 21,000
2005-12-13 Barker Stephen G Director A-Award A Employee Stock Option (right to buy) 21,000 10.10 212.1K 21,000
2005-11-03 Ecton Walter G Jr Director P-Purchase A Common Stock 1,858 10.01 18.6K 2,125
2005-11-02 Ecton Walter G Jr Director L-Small A Common Stock 142 10.01 1.4K 0
2005-10-26 HULETTE R CLAY Officer P-Purchase A Common Stock 150 10.00 1.5K 1,811
2005-09-02 Ecton Walter G Jr Director L-Small A Common Stock 52 10.30 535.60 8,832
2005-08-31 JENNINGS DON D Director / Officer P-Purchase A Common Stock 9,000 10.65 95.9K 29,882
2005-05-23 HULETTE R CLAY Officer P-Purchase A Common Stock 900 11.24 10.1K 1,661
2005-05-12 GARLAND DANNY A P-Purchase A Common Stock 3,000 11.25 33.8K 39,357
2005-05-11 GARLAND DANNY A P-Purchase A Common Stock 1,366 11.25 15.4K 36,357
2005-03-16 Ecton Walter G Jr Director P-Purchase A COMMON STOCK 3,200 10.75 34.4K 8,780
2005-03-03 Ecton Walter G Jr Director P-Purchase A COMMON STOCK 4,875 10.50 51.2K 5,580
2005-03-02 Whitaker Tony D Director / Officer / 10% Owner P-Purchase A Common Stock 5,800 10.00 58.0K 5,800
2005-03-02 REGAN HERMAN D JR Director J-Other A Common Stock 16,958 10.00 169.6K 16,958
2005-03-02 Pulliam Roy L Jr Officer P-Purchase A Common Stock 11,100 0.00 11,100
2005-03-02 JENNINGS DON D Director / Officer J-Other A Common Stock 3,393 10.00 33.9K 3,393
2005-03-02 HULETTE R CLAY Officer J-Other A Common Stock 761 10.00 7.6K 761
2005-03-02 HARROD DAVID R Director J-Other A Common Stock 475 10.00 4.8K 930
2005-03-02 Gorman William D Director P-Purchase A Common Stock 3,000 10.00 30.0K 3,000
2005-03-02 GARLAND DANNY A Officer J-Other A Common Stock 34,993 10.00 349.9K 34,993
2005-03-02 First Federal MHC 10% Owner D Common Stock 0 0.00 4,727,938
2005-03-02 Ecton Walter G Jr Director P-Purchase A Common Stock 705 10.00 7.1K 705
2005-03-02 Barker Stephen G Director P-Purchase A Common Stock 20,331 10.00 203.3K 20,331
2005-02-23 Whitaker Tony D Director / Officer / 10% Owner 0 0.00 0
2005-02-23 REGAN HERMAN D JR Director 0 0.00 0
2005-02-23 Pulliam Roy L Jr Officer 0 0.00 0
2005-02-23 JENNINGS DON D Director / Officer 0 0.00 0
2005-02-23 HULETTE R CLAY Officer 0 0.00 0
2005-02-23 HARROD DAVID R Director 0 0.00 0
2005-02-23 Gorman William D Director 0 0.00 0
2005-02-23 GARLAND DANNY A Officer 0 0.00 0
2005-02-23 Ecton Walter G Jr Director 0 0.00 0
2005-02-23 Barker Stephen G Director 0 0.00 0

Executive team

Top executives
EBIT / Employee
4.3K
Shares Outstanding
8.09M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2025 Don D. Jennings Chief Executive Officer of the Company and First Federal Savings Bank of Kentucky; Chairman of First Federal of Kentucky. 190.0K 11.3K 201.0K 0.00%
2 2025 Jaime Coffey, President, CEO, and Director of First Federal of Hazard 110.0K 18.3K 128.3K 0.00%
3 2025 Teresa Hulette, Executive Vice President First Federal of Kentucky 113.3K 10.4K 123.7K 0.00%
4 2024 Don D. Jennings Chief Executive Officer of the Company and First Federal Savings Bank of Kentucky; Chairman of First Federal of Kentucky. 190.0K 10.7K 200.7K 0.00%
5 2024 Teresa Hulette, Executive Vice President First Federal of Kentucky 112.8K 10.1K 122.8K 0.00%
6 2024 Jaime Coffey, President, CEO, and Director of First Federal of Hazard 96.3K 9.6K 106.6K 0.00%
7 2023 Don D. Jennings Chief Executive Officer of Kentucky First Federal and First Federal Savings Bank of Kentucky; Chairman of First Federal Savings Bank of Kentucky. 190.0K 13.7K 203.7K 0.00%
8 2023 Don D. Jennings Chief Executive Officer of the Company and First Federal Savings Bank of Kentucky; Chairman of First Federal of Kentucky. 190.0K 13.7K 203.7K 0.00%
9 2023 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal; Area President and Director of First Federal Savings Bank of Kentucky 171.0K 13.1K 184.1K 0.00%
10 2023 Teresa Hulette, Executive Vice President First Federal Savings Bank of Kentucky 112.8K 11.4K 124.6K 0.00%
11 2023 Teresa Hulette, Executive Vice President First Federal of Kentucky 112.8K 11.4K 124.6K 0.00%
12 2023 Jaime Coffey, President, CEO, and Director of First Federal of Hazard 91.7K 13.8K 105.4K 0.00%
13 2022 Don D. Jennings Chief Executive Officer of Kentucky First Federal and First Federal Savings Bank of Kentucky; Chairman of First Federal Savings Bank of Kentucky. 190.0K 21.6K 211.6K 0.00%
14 2022 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal; Area President and Director of First Federal Savings Bank of Kentucky 171.0K 19.8K 190.8K 0.00%
15 2022 Teresa Hulette, Executive Vice President First Federal Savings Bank of Kentucky 107.5K 15.5K 123.0K 0.00%
16 2021 Don D. Jennings Chief Executive Officer of Kentucky First Federal and First Federal Savings Bank of Kentucky; Chairman of First Federal Savings Bank of Kentucky. 190.0K 18.3K 208.3K 0.00%
17 2021 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal; Area President and Director of First Federal Savings Bank of Kentucky 171.0K 17.5K 188.5K 0.00%
18 2021 William H. Johnson, Vice President of Kentucky First Federal; Area President and Director of First Federal Savings Bank of Kentucky 137.7K 9.5K 147.2K 0.00%
19 2021 Teresa Hulette, Executive Vice President First Federal Savings Bank of Kentucky 95.3K 13.4K 108.7K 0.00%
20 2020 Don D. Jennings Chief Executive Officer of Kentucky First Federal and First Federal Savings Bank of Kentucky; Chairman of First Federal Savings Bank of Kentucky. 190.0K 18.1K 208.1K 0.00%
21 2020 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal; Area President and Director of First Federal Savings Bank of Kentucky 171.0K 17.1K 188.2K 0.00%
22 2020 William H. Johnson, Vice President of Kentucky First Federal; Area President and Director of First Federal Savings Bank of Kentucky 137.7K 9.4K 147.0K 0.00%
23 2019 Don D. Jennings Chief Executive Officer of Kentucky First Federal and First Federal Savings Bank of Kentucky; Chairman of First Federal Savings Bank of Kentucky. 190.0K 16.9K 206.9K 0.00%
24 2019 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal; Area President and Director of First Federal Savings Bank of Kentucky 171.0K 15.5K 186.6K 0.00%
25 2019 William H. Johnson, Vice President of Kentucky First Federal; Area President and Director of First Federal Savings Bank of Kentucky 137.7K 11.3K 149.0K 0.00%
26 2018 Don D. Jennings Chief Executive Officer of Kentucky First Federal and First Federal Savings Bank of Kentucky; Chairman of First Federal Savings Bank of Kentucky. 190.0K 19.6K 209.6K 0.00%
27 2018 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal; Area President and Director of First Federal Savings Bank of Kentucky 171.0K 17.4K 188.4K 0.00%
28 2018 William H. Johnson, Vice President of Kentucky First Federal; Area President and Director of First Federal Savings Bank of Kentucky 137.7K 15.9K 153.6K 0.00%
29 2017 Don D. Jennings Chief Executive Officer of Kentucky First Federal Bancorp and First Federal Savings Bank of Kentucky; Chairman of First Federal Savings Bank of Kentucky. 190.0K 19.6K 209.6K 0.00%
30 2017 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Kentucky 171.0K 18.1K 189.1K 0.00%
31 2017 William H. Johnson, Vice President of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Kentucky 137.7K 16.3K 154.0K 0.00%
32 2016 Don D. Jennings Chief Executive Officer of Kentucky First Federal Bancorp and First Federal Savings Bank of Kentucky; Chairman of First Federal Savings Bank of Kentucky. 187.5K 9.3K 196.8K 0.00%
33 2016 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Kentucky 169.0K 9.2K 178.3K 0.00%
34 2016 William H. Johnson, Vice President of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Kentucky 136.8K 9.0K 145.9K 0.00%
35 2015 Don D. Jennings Chief Executive Officer of Kentucky First Federal Bancorp and First Federal Savings Bank of Kentucky; Chairman of First Federal Savings Bank of Kentucky. 175.0K 9.2K 184.2K 0.00%
36 2015 Don D. Jennings Chief Executive Officer of Kentucky First Federal Bancorp and First Federal Savings Bank of Frankfort; Chairman of First Federal Savings Bank of Frankfort. 175.0K 9.2K 184.2K 0.00%
37 2015 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Kentucky 159.1K 8.7K 167.8K 0.00%
38 2015 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Frankfort 159.1K 8.7K 167.8K 0.00%
39 2015 William H. Johnson, Vice President of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Frankfort 132.7K 9.2K 141.9K 0.00%
40 2015 William H. Johnson, Vice President of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Kentucky 132.7K 9.2K 141.9K 0.00%
41 2014 Don D. Jennings Chief Executive Officer of Kentucky First Federal Bancorp and First Federal Savings Bank of Frankfort; Chairman of First Federal Savings Bank of Frankfort. 173.3K 8.7K 182.0K 0.00%
42 2014 Don D. Jennings Chief Executive Officer 173.3K 8.7K 182.0K 0.00%
43 2014 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Frankfort 154.6K 8.5K 163.2K 0.00%
44 2014 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Frankfort 154.6K 8.5K 163.2K 0.00%
45 2014 William H. Johnson, Vice President of Kentucky First Federal Bancorp; Area President and Director of First Federal Savings Bank of Frankfort 131.0K 9.4K 140.5K 0.00%
46 2014 William H. Johnson, Vice President 131.0K 9.4K 140.5K 0.00%
47 2013 Don D. Jennings Chief Executive Officer 157.5K 8.2K 165.7K 0.00%
48 2013 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer 145.7K 7.8K 153.5K 0.00%
49 2013 William H. Johnson, Vice President
50 2012 Tony D. Whitaker, Chairman and Chief Executive Officer 164.4K 61.8K 226.2K 0.00%
51 2012 Don D. Jennings President and Chief Operating Officer 141.3K 7.5K 148.7K 0.00%
52 2012 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer 132.0K 7.6K 139.6K 0.00%
53 2011 Tony D. Whitaker, Chairman and Chief Executive Officer 164.4K 98.6K 263.0K 0.00%
54 2011 Don D. Jennings, President and Chief Operating Officer 120.9K 6.9K 127.7K 0.00%
55 2011 Don D. Jennings President and Chief Operating Officer 120.9K 6.9K 127.7K 0.00%
56 2011 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer 114.7K 6.6K 121.3K 0.00%
57 2010 Tony D. Whitaker, Chairman and Chief Executive Officer 164.4K 58.0K 222.4K 0.00%
58 2010 Tony D. Whitaker, Executive Officer 164.4K 58.0K 222.4K 0.00%
59 2010 R. Clay Hulette, Chief Financial Officer and 106.0K 17.0K 123.0K 0.00%
60 2010 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer 106.0K 17.0K 123.0K 0.00%
61 2010 Don D. Jennings, President and Chief Operating Officer 109.2K 7.2K 116.4K 0.00%
62 2010 Don D. Jennings, Chief Operating Officer 109.2K 7.2K 116.4K 0.00%
63 2009 Tony D. Whitaker, Executive Officer 164.4K 65.2K 229.4K 0.00%
64 2009 Don D. Jennings, Chief Operating Officer 109.2K 7.8K 117.0K 0.00%
65 2009 R. Clay Hulette, Chief Financial Officer and 104.0K 7.6K 111.6K 0.00%
66 2007 Tony D. Whitaker, Chairman and Chief Executive Officer 164.4K 464.8K 0.00%
67 2007 Don D. Jennings, President and Chief Operating Officer 103.0K 168.7K 0.00%
68 2007 R. Clay Hulette, Vice President, Chief Financial Officer and Treasurer 98.2K 162.5K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2025-10-17 DEF 14A
2024-10-16 DEF 14A
2023-10-12 DEF 14A
2022-10-13 DEF 14A
2021-10-13 DEF 14A
2020-10-09 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-02-19 8-K
2026-02-13 10-Q
2026-02-12 8-K
2025-12-15 8-K
2025-11-25 8-K
2025-11-14 10-Q
2025-11-06 8-K
2025-10-17 DEF 14A
2025-10-16 ARS
2025-10-08 8-K

Executive team

NameTitleCompensationGender
Don D. Jennings President, Chief Operating Officer & Director 201.3K male
Jaime Steele Coffey Secretary 128.3K female
R. Clay Hulette Chief Executive Officer & Director 16.8K male
Tyler Eades Chief Financial Officer & Vice President male
ESG Rating
B
BANKS - REGIONAL
2020
E (Environmental)
61.0 / 64.3
Company / Sector avg.
S (Social)
64.5 / 76.5
Company / Sector avg.
G (Governance)
65.2 / 75.5
Company / Sector avg.
ESG Total
63.6 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits