Kentucky First Federal Bancorp (KFFB)
Hazard, KY, US
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -9.68% | -0.05% | -5.00% | -12.31% | -2.59% | -9.29% | +66.06% | -25.48% | -39.74% | -53.19% | -60.91% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
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)
* 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.
| 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%)
|
| 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
Ownership Overview
No beneficial ownership filings recorded.
Institutional Activity (13F)
| # | 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 |
ETF Ownership
| # | 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
| 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
Executive compensation
| # | 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% | ↗ |
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| 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 |
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Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

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