The earnings trajectory is clearly improving with three consecutive quarters of strong net interest income growth. However, with a market cap of only $34M and thin trading volume, the stock may not react significantly. Monitor the next 10-K for deposit trends and loan growth sustainability.
Price Chart
Executive Summary
Kentucky First Federal Bancorp reported Q3 FY2026 net income of $581,000 ($0.07 diluted EPS), a dramatic improvement from $7,000 ($0.00) in the year-ago quarter, driven by a 34.5% increase in net interest income to $2.9 million as interest expense declined 12.0%. The micro-cap thrift continues to benefit from a favorable interest rate environment with net interest margin expanding, though total assets remained essentially flat at $374.5 million and deposits continue to slowly decline.
Key Financial Metrics
Key Facts
- Net income of $581,000 for Q3 FY2026 vs $7,000 in Q3 FY2025 — an increase of $574,000
- Diluted EPS of $0.07 vs $0.00 year-over-year
- Net interest income increased 34.5% to $2.9 million
- Interest expense decreased 12.0% to $2.4 million
- Non-interest income surged 71.6% to $139,000
- Book value per share increased to $6.14 from $5.98 at June 30, 2025
- Total assets of $374.5 million, up 0.9% from June 30, 2025
- Deposits decreased 1.4% to $273.7 million
- FHLB advances increased 14.4% to $48.9 million to fund asset growth
Financial Impact
Net income increased by $574,000 quarter-over-quarter, from $7,000 to $581,000. Net interest income grew $736,000 to $2.9 million.
Risk Factors
- Deposits continue to decline (down 1.4% vs June 30, 2025), requiring reliance on higher-cost FHLB advances
- Non-interest expenses are rising (data processing +35.6%, compensation +6.5%)
- Micro-cap stock with limited liquidity — price discovery may be poor
- Loan growth remains modest at 0.3% since June 30, 2025
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001213900-26-055573 |
| Document: ea0290545-8k_kentucky.htm | 0001213900-26-055573 |
| Document: 0001213900-26-055573-index-headers.html | 0001213900-26-055573 |
| Document: 0001213900-26-055573-index.html | 0001213900-26-055573 |
| Document: 0001213900-26-055573.txt | 0001213900-26-055573 |
| 8-K Data (Synthetic) | 0001213900-26-055573 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 13, 2026 13d ago | DEF 14A | $5.63 | awaiting T+60 | — | $5.32 (−5.50%) |
Aug 7, 2026 11w ago | Press Release | $5.55 | awaiting T+60 | — | $5.32 (−4.14%) |
Jul 28, 2026 12w ago | Press Release | $5.35 $5.22 | ▼ −2.43% | ▼ −7.16% | $5.32 (−0.55%) |
May 29, 2026 21w ago | 8-K | $4.89 $5.83 | ▲ +19.22% | ▲ +17.99% | $5.32 (+8.80%) |
May 29, 2026 21w ago | Press Release | $4.77 $5.60 | ▲ +17.30% | ▲ +16.11% | $5.32 (+11.54%) |
May 13, 2026 23w ago | 8-K | $4.29 $5.55 | ▲ +29.37% | ▲ +24.93% | $5.32 (+24.02%) |
May 11, 2026 24w ago | Press Release | $4.67 $5.58 | ▲ +19.49% | ▲ +15.09% | $5.32 (+13.93%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers