Kentucky First Federal Bancorp (KFFB)


Market Price (11/6/2026): $5.46 | Market Cap: $44.2 MilSector: Financials | Industry: Regional Banks

Kentucky First Federal Bancorp (KFFB)


Market Price (11/6/2026): $5.46
Market Cap: $44.2 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 33%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 11%

Weak multi-year price returns
3Y Excs Rtn is -62%

Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 50%

Expensive valuation multiples
P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 36x

Key risks
KFFB key risks include [1] operating under a formal written agreement with the OCC, Show more.

0 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 33%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 11%
2 Weak multi-year price returns
3Y Excs Rtn is -62%
3 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 50%
4 Expensive valuation multiples
P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 36x
5 Key risks
KFFB key risks include [1] operating under a formal written agreement with the OCC, Show more.

KFFB in ETFs

Weight = KFFB's share of each fund

VTI0.00%
DFAC0.00%
DFAS0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 11/1/2026

Kentucky First Federal Bancorp (KFFB) stock has gained about 5% since 7/31/2026 because of the following key factors:

1. Enhanced Net Interest Income Driven by Favorable Rate Environment.

Kentucky First Federal Bancorp (KFFB) reported significant increases in net interest income, a key profitability metric for banks, contributing to stock stability. In fiscal Q4 2026, net interest income rose to $3.083 million from $2.303 million in the prior-year quarter. This positive trend continued into fiscal Q1 2027 (ended September 30, 2026), where net interest income increased by 25.5% to $3.1 million. This was primarily driven by a 38-basis point increase in the average rate earned on interest-earning assets to 5.97%, and a 50-basis point decrease in the average rate paid on interest-bearing liabilities to 2.82%. These improvements reflect a broader macroeconomic tailwind of higher interest rates benefiting regional banks by widening net interest margins.

2. Consistent Positive Earnings Performance.

The company demonstrated sustained earnings growth, providing fundamental support for its stock price. For fiscal Q4 2026 (ended June 30, 2026), net income was $680,000, equating to $0.08 diluted earnings per share, a substantial increase from $176,000, or $0.02 EPS, in the comparative prior-year quarter. This upward trajectory continued into fiscal Q1 2027 (ended September 30, 2026), with net income reaching $919,000, or $0.11 diluted earnings per share, up significantly from $344,000, or $0.04 EPS, in the prior-year period. Such consistent positive earnings results likely prevented downward pressure on the stock.

Show more
Updated on 11/1/2026

Kentucky First Federal Bancorp (KFFB) stock has gained about 5% since 7/31/2026 because of the following key factors:

1. Enhanced Net Interest Income Driven by Favorable Rate Environment.

Kentucky First Federal Bancorp (KFFB) reported significant increases in net interest income, a key profitability metric for banks, contributing to stock stability. In fiscal Q4 2026, net interest income rose to $3.083 million from $2.303 million in the prior-year quarter. This positive trend continued into fiscal Q1 2027 (ended September 30, 2026), where net interest income increased by 25.5% to $3.1 million. This was primarily driven by a 38-basis point increase in the average rate earned on interest-earning assets to 5.97%, and a 50-basis point decrease in the average rate paid on interest-bearing liabilities to 2.82%. These improvements reflect a broader macroeconomic tailwind of higher interest rates benefiting regional banks by widening net interest margins.

2. Consistent Positive Earnings Performance.

The company demonstrated sustained earnings growth, providing fundamental support for its stock price. For fiscal Q4 2026 (ended June 30, 2026), net income was $680,000, equating to $0.08 diluted earnings per share, a substantial increase from $176,000, or $0.02 EPS, in the comparative prior-year quarter. This upward trajectory continued into fiscal Q1 2027 (ended September 30, 2026), with net income reaching $919,000, or $0.11 diluted earnings per share, up significantly from $344,000, or $0.04 EPS, in the prior-year period. Such consistent positive earnings results likely prevented downward pressure on the stock.

3. Modest Decreases in Total Assets and Deposits.

Despite profitability gains, KFFB experienced slight contractions in its balance sheet, which may have tempered significant upward stock movement. Total assets decreased by 1.7% to $356.3 million at the end of fiscal Q1 2027 (September 30, 2026), compared to $362.4 million at June 30, 2026. Over the same fiscal Q1 2027 period, total deposits also saw a 2.8% decrease, settling at $253.6 million. These modest declines in core banking metrics could signal challenges in asset growth or deposit retention, contributing to a stable rather than an appreciating stock trend.

4. Maintained Quarterly Dividend Payout.

Kentucky First Federal Bancorp consistently declared a quarterly cash dividend of $0.05 per share throughout the specified period. For example, a dividend of $0.05 was payable on September 21, 2026, and another was declared on October 30, 2026, payable on December 21, 2026. A stable dividend payout provides a predictable return for investors and can help maintain investor interest and stock price stability, particularly for income-focused shareholders, effectively anchoring the stock's value.

5. Micro-Capitalization and Limited Market Liquidity.

As a micro-capitalization company with a market capitalization of approximately $43-44 million and a low average daily trading volume of around 2,950 shares, KFFB's stock inherently tends to exhibit less volatility. This characteristic of micro-cap stocks, coupled with generally limited analyst coverage, means fewer external market forces are at play to drive large, rapid price movements, contributing to the stock remaining largely at the same level during the period.

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Stock Movement Drivers

Fundamental Drivers

The 2.9% change in KFFB stock from 7/31/2026 to 11/5/2026 was primarily driven by a 26.3% change in the company's Net Income Margin (%).
(LTM values as of)731202611052026Change
Stock Price ($)5.435.592.9%
Change Contribution By: 
Total Revenues ($ Mil)11127.6%
Net Income Margin (%)12.9%16.3%26.3%
P/E Multiple31.323.7-24.2%
Shares Outstanding (Mil)880.0%
Cumulative Contribution2.9%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/5/2026
ReturnCorrelation
KFFB2.9% 
Market (SPY)-1.9%-9.8%
Sector (XLF)1.0%16.1%

Fundamental Drivers

The 30.2% change in KFFB stock from 4/30/2026 to 11/5/2026 was primarily driven by a 98.0% change in the company's Net Income Margin (%).
(LTM values as of)430202611052026Change
Stock Price ($)4.295.5930.2%
Change Contribution By: 
Total Revenues ($ Mil)101216.0%
Net Income Margin (%)8.2%16.3%98.0%
P/E Multiple41.923.7-43.4%
Shares Outstanding (Mil)880.1%
Cumulative Contribution30.2%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/5/2026
ReturnCorrelation
KFFB30.2% 
Market (SPY)2.3%-4.4%
Sector (XLF)10.7%6.3%

Fundamental Drivers

The 40.2% change in KFFB stock from 10/31/2025 to 11/5/2026 was primarily driven by a 694.4% change in the company's Net Income Margin (%).
(LTM values as of)1031202511052026Change
Stock Price ($)3.995.5940.2%
Change Contribution By: 
Total Revenues ($ Mil)91232.8%
Net Income Margin (%)2.0%16.3%694.4%
P/E Multiple178.223.7-86.7%
Shares Outstanding (Mil)880.0%
Cumulative Contribution40.2%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/5/2026
ReturnCorrelation
KFFB40.2% 
Market (SPY)8.4%-8.5%
Sector (XLF)11.1%4.7%

Fundamental Drivers

The 21.7% change in KFFB stock from 10/31/2023 to 11/5/2026 was primarily driven by a 59.6% change in the company's Net Income Margin (%).
(LTM values as of)1031202311052026Change
Stock Price ($)4.595.5921.7%
Change Contribution By: 
Total Revenues ($ Mil)91228.2%
Net Income Margin (%)10.2%16.3%59.6%
P/E Multiple39.823.7-40.6%
Shares Outstanding (Mil)880.1%
Cumulative Contribution21.7%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/5/2026
ReturnCorrelation
KFFB21.7% 
Market (SPY)81.3%2.6%
Sector (XLF)85.5%6.3%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
KFFB Return26%-7%-29%-33%56%21%7%
Peers Return38%-0%3%29%0%30%137%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
KFFB Win Rate75%42%50%42%67%64% 
Peers Win Rate65%40%45%57%55%65% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
KFFB Max Drawdown-18%-21%-43%-43%-38%-17% 
Peers Max Drawdown-18%-22%-31%-15%-20%-13% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: SYBT, CTBI, RBCAA, GABC, FFBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)

How Low Can It Go

EventKFFBS&P 500
2025 US Tariff Shock
  % Loss-30.7%-18.8%
  % Gain to Breakeven44.3%23.1%
  Time to Breakeven75 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-30.4%-9.5%
  % Gain to Breakeven43.7%10.5%
  Time to Breakeven988 days24 days
2020 COVID-19 Crash
  % Loss-42.9%-33.7%
  % Gain to Breakeven75.1%50.9%
  Time to Breakeven244 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-14.3%-19.2%
  % Gain to Breakeven16.7%23.8%
  Time to Breakeven55 days105 days
2014-2016 Oil Price Collapse
  % Loss-11.7%-6.8%
  % Gain to Breakeven13.2%7.3%
  Time to Breakeven32 days15 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-31.4%-17.9%
  % Gain to Breakeven45.8%21.8%
  Time to Breakeven57 days123 days

Compare to SYBT, CTBI, RBCAA, GABC, FFBC

In The Past

Kentucky First Federal Bancorp's stock fell -30.7% during the 2025 US Tariff Shock. Such a loss loss requires a 44.3% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventKFFBS&P 500
2025 US Tariff Shock
  % Loss-30.7%-18.8%
  % Gain to Breakeven44.3%23.1%
  Time to Breakeven75 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-30.4%-9.5%
  % Gain to Breakeven43.7%10.5%
  Time to Breakeven988 days24 days
2020 COVID-19 Crash
  % Loss-42.9%-33.7%
  % Gain to Breakeven75.1%50.9%
  Time to Breakeven244 days140 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-31.4%-17.9%
  % Gain to Breakeven45.8%21.8%
  Time to Breakeven57 days123 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-20.4%-15.4%
  % Gain to Breakeven25.6%18.2%
  Time to Breakeven22 days125 days

Compare to SYBT, CTBI, RBCAA, GABC, FFBC

In The Past

Kentucky First Federal Bancorp's stock fell -30.7% during the 2025 US Tariff Shock. Such a loss loss requires a 44.3% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Kentucky First Federal Bancorp (KFFB)

Kentucky First Federal Bancorp (KFFB) operates as a bank holding company, overseeing two financial institutions: First Federal Savings and Loan Association of Hazard and Frankfort First Bancorp, Inc. The company provides a range of traditional banking products and services to individuals and businesses across various communities in Kentucky, where it operates seven banking offices.

KFFB’s core business revolves around accepting deposits and originating loans. On the deposit side, it offers standard accounts such as passbook savings, certificate accounts, checking accounts, and individual retirement accounts. Its loan portfolio is diverse, including one-to four-family and multi-family residential mortgage loans, construction loans, and nonresidential loans secured by commercial properties. The company also provides commercial non-mortgage loans and consumer loans, which encompass home equity lines of credit, auto loans, and personal loans, some secured by savings deposits. Additionally, KFFB invests in mortgage-backed securities.

Primarily serving its local markets within Kentucky, Kentucky First Federal Bancorp caters to a broad customer base, from individuals seeking personal banking solutions like savings and mortgages, to businesses requiring commercial financing for properties or operations. Incorporated in 2005 and based in Hazard, Kentucky, the company functions as a community-oriented financial institution focused on meeting the banking needs of its regional clientele.

AI Analysis | Feedback

Here are 1-3 brief analogies for Kentucky First Federal Bancorp (KFFB):

  • Like a very small, Kentucky-centric Bank of America.
  • Think of it as the local Wells Fargo for a few towns in rural Kentucky.

AI Analysis | Feedback

The major products and services offered by Kentucky First Federal Bancorp (KFFB) are:

  • Deposit Accounts: Provides various deposit products including passbook savings, certificate accounts, checking accounts, and individual retirement accounts.
  • Mortgage Loans: Offers financing secured by one-to four-family residential, multi-family, and nonresidential properties.
  • Commercial Loans: Extends commercial non-mortgage loans to businesses and organizations.
  • Consumer Loans: Supplies personal lending solutions such as home equity lines of credit, auto loans, and unsecured personal loans.

AI Analysis | Feedback

Kentucky First Federal Bancorp (KFFB) is a community bank that provides banking products and services to both individuals and businesses in Kentucky. As such, it does not sell primarily to other companies that can be listed by name and symbol. Instead, its customer base can be categorized as follows:

  1. Individual Consumers: Residents of Kentucky who utilize the bank for personal financial needs, including one-to-four family residential mortgage loans, home equity lines of credit, automobile loans, unsecured personal loans, and various deposit products such as checking, savings, and individual retirement accounts.
  2. Local Businesses: Small to medium-sized enterprises within the bank's operating area that require commercial non-mortgage loans, nonresidential property loans (e.g., for commercial office buildings), construction loans, and business deposit accounts.
  3. Real Estate Investors and Developers: Individuals or entities focused on acquiring, developing, or managing properties, utilizing the bank's mortgage loans secured by multi-family property and other construction financing options.

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R. Clay Hulette, Chief Executive Officer

R. Clay Hulette was appointed Chief Executive Officer of Kentucky First Federal Bancorp and President and Chief Executive Officer of First Federal Savings Bank of Kentucky in December 2025, with these appointments becoming effective following regulatory approval. He has a long history with the company, having served as Chief Financial Officer of Kentucky First Federal Bancorp from its inception in March 2005 until his retirement in January 2024. Additionally, Mr. Hulette was an employee of First Federal Savings Bank for 27 years, serving as President from March 2007 to 2013 and as Frankfort Area President from 2013 until January 2024. Following his retirement in 2024, he continued to work with the company in a consulting capacity, most recently in a part-time risk management role.

Tyler W. Eades, Chief Financial Officer & Vice President

Tyler W. Eades was appointed Chief Financial Officer and Vice President of Kentucky First Federal Bancorp and its subsidiary banks, First Federal Savings and Loan of Hazard and First Federal Savings Bank of Kentucky, effective January 2, 2024. He has been with the banks since 2018, serving in various roles. Prior to his current appointment, Mr. Eades was named Chief Financial Officer for First Federal Savings and Loan of Hazard in 2022. His responsibilities have included assisting with SEC filings, preparing financial reports, overseeing internal audits, and conducting loan analysis. Mr. Eades is the nephew of R. Clay Hulette.

Don D. Jennings, President & Director of Operations

Don D. Jennings serves as President of Kentucky First Federal Bancorp and Chairman of the Board of First Federal Savings Bank of Kentucky. He was also appointed Director of Operations for First Federal Savings Bank of Kentucky. Mr. Jennings has a long tenure with the company, having served as President since March 2005. He is the son of William C. and Joyce Jennings, who previously held leadership roles with First Federal Savings Bank.

Jaime S. Coffey, Corporate Secretary & President and Chief Executive Officer of First Federal Savings and Loan Association of Hazard

Jaime S. Coffey holds the position of Corporate Secretary for Kentucky First Federal Bancorp. She has been President and Chief Executive Officer of First Federal Savings and Loan Association of Hazard, a subsidiary bank of Kentucky First Federal Bancorp, since January 1, 2019. Ms. Coffey joined the bank in 2012, working in various areas including lending and compliance, and was appointed Vice President/Secretary in 2016. She also serves on the Board of Directors of the Kentucky Bankers Association.

AI Analysis | Feedback

The key risks for Kentucky First Federal Bancorp (KFFB) are primarily centered around the inherent challenges of the banking industry, specifically for community financial institutions. These include managing fluctuations in interest rates, adhering to evolving regulatory requirements, and facing emerging threats to their deposit base.

  1. Interest Rate Risk: As a banking institution, Kentucky First Federal Bancorp's profitability is highly sensitive to changes in interest rates. The company's net interest income, which is the difference between interest earned on assets (like loans) and interest paid on liabilities (like deposits), can be significantly impacted by interest rate movements. Managing this risk involves carefully aligning the repricing characteristics of its assets and liabilities.
  2. Regulatory Compliance Risk: Kentucky First Federal Bancorp operates in a heavily regulated environment. While a recent formal written agreement with the Office of the Comptroller of the Currency (OCC) for its subsidiary, First Federal Savings Bank of Kentucky, was terminated in February 2026, indicating successful resolution of past issues, the existence of such an agreement highlights the ongoing challenges of regulatory compliance. Regional and community banks often face significant burdens in keeping up with complex and evolving regulations, which can impact operational efficiency and necessitate substantial resources.
  3. Deposit Erosion due to Competition and New Technologies (e.g., Stablecoins): Community banks like KFFB face competitive pressures and emerging threats to their traditional deposit base. A specific and growing concern for Kentucky community banks is the potential for deposit shifts to stablecoins, particularly due to yield programs offered by stablecoin affiliates and exchanges. This could significantly reduce the deposits available for community lending, which forms the core business model of such banks. General competitive conditions in the financial services industry and rapidly changing technology also pose risks to attracting and retaining deposits and customers.

AI Analysis | Feedback

The increasing competition from digital-first banks and fintech companies poses a clear emerging threat. These entities leverage technology to offer banking services without the overhead of physical branches, often resulting in more competitive rates, lower fees, and superior digital experiences. This directly challenges the traditional, branch-based model for attracting deposits and customers, especially among tech-savvy younger generations or those who prioritize convenience over physical presence.

AI Analysis | Feedback

For Kentucky First Federal Bancorp (symbol: KFFB), the addressable markets for its main products and services in its operating region of Kentucky are as follows:

  • Deposit Products (including passbook savings and certificate accounts, checking accounts, and individual retirement accounts): The total bank deposits in Kentucky were approximately $116 billion as of 2024.
  • Residential Mortgage Loans (including one-to four-family residential mortgage loans): The market for new home loans booked in Kentucky was approximately $8.9 billion in 2024.
  • Commercial Loans (including commercial non-mortgage loans such as small business and small farm loans):
    • Small business loans in Kentucky amounted to approximately $7.2 billion as of 2024.
    • Small farm loans in Kentucky amounted to approximately $471.6 million as of 2024.

Specific addressable market sizes for construction loans, mortgage loans secured by multi-family property, other nonresidential loans (e.g., churches or larger commercial office buildings beyond small business), and various consumer loans (such as home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured or personal loans) for the region of Kentucky are not readily available in the provided information.

AI Analysis | Feedback

For Kentucky First Federal Bancorp (KFFB), several key factors are anticipated to drive future revenue growth over the next 2-3 years:

  • Improvement in Net Interest Margin (NIM) through Strategic Asset/Liability Management: The company has demonstrated recent growth in net interest income due to increased interest income and decreased interest expense. A core strategy involves optimizing its asset/liability management to enhance the net interest margin. This includes efforts to increase the average rate earned on interest-earning assets, particularly loans.
  • Shifting the Loan Portfolio Towards Higher-Earning Loans: Kentucky First Federal Bancorp explicitly outlines a strategy to shift more of its loan portfolio towards higher-earning loans. This strategic adjustment aims to boost overall interest income generated from its lending activities.
  • Growth in Core Deposits to Reduce Funding Costs: A stated objective for the company is to increase core deposits and subsequently reduce its reliance on higher-cost funding sources, such as Federal Home Loan Bank (FHLB) advances. By lowering interest expenses associated with funding, this strategy directly contributes to an improved net interest income.
  • Generating Non-Interest Income through Loan Sales: The company has seen an increase in non-interest income, primarily driven by net gains from the sale of loans, specifically fixed-rate secondary market loans. Continued demand for these types of loans and the company's ability to capitalize on such sales could serve as an ongoing revenue driver.

AI Analysis | Feedback

Share Repurchases

  • Kentucky First Federal Bancorp initiated a stock repurchase program on February 3, 2021, authorizing the repurchase of up to 150,000 shares of its common stock, which was substantially completed by May 18, 2023.
  • In 2023, the company repurchased 222,448 shares of common stock at an average price of $13.47 per share.
  • In 2022, the company repurchased 518,978 shares of common stock at an average price of $20.27 per share.
  • As of December 31, 2023, there were 514,266 shares remaining authorized for repurchase under the company's stock repurchase plan.

Capital Expenditures

  • For the last 12 months (as of February 2026, encompassing a significant portion of fiscal year 2025), Kentucky First Federal Bancorp reported capital expenditures of -$135,000.

Peer Outperformance in Regional Banks

KFFB has trailed 92% of its 262 Regional Banks peers over 5Y. Among the peers that beat it are SRCE, WTFC and FULT. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that KFFB has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
85%
of 281 industry peers · 49.5% return
3Y
8%
of 273 industry peers · 28.7% return
5Y
8%
of 262 industry peers · -10.7% return
Regional Banks peers with revenue growth within 4pp of KFFB's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
KFFB Kentucky First Federal Bancorp 11.3% 23.7x 49.5%28.7%-10.7% —
SRCE 1st Source 7.5% 11.8x 46.3%95.9%95.9% +107pp
WTFC Wintrust Financial 9.1% 11.1x 19.0%98.3%77.6% +88pp
FULT Fulton Financial 8.0% 11.5x 40.0%92.4%73.1% +84pp
MBIN Merchants Bancorp 14.6% 8.9x 64.6%68.2%71.6% +82pp
TCBI Texas Capital Bancshares 8.1% 12.3x 21.5%81.9%64.6% +75pp
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is KFFB's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Latest Trefis Analyses

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Peer Comparisons

Peers to compare with:

Financials

KFFBSYBTCTBIRBCAAGABCFFBCMedian
NameKentucky.Stock Ya.Communit.Republic.German A.First Fi. 
Mkt Price5.4679.3168.9191.0850.5732.4959.74
Mkt Cap0.02.41.21.81.93.41.8
Rev LTM12415299403386996395
Op Inc LTM-------
FCF LTM1147130136182756142
FCF 3Y Avg-0137106137130437133
CFO LTM1161136145190792153
CFO 3Y Avg-0147113145135463140

Growth & Margins

KFFBSYBTCTBIRBCAAGABCFFBCMedian
NameKentucky.Stock Ya.Communit.Republic.German A.First Fi. 
Rev Chg LTM32.8%13.0%12.9%0.6%29.2%16.9%15.0%
Rev Chg 3Y Avg11.3%7.6%8.9%5.5%17.4%6.9%8.3%
Rev Chg Q34.3%17.4%11.8%8.1%11.2%15.3%13.5%
QoQ Delta Rev Chg LTM7.6%4.2%2.8%1.9%2.7%3.6%3.2%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM10.6%38.7%45.5%35.9%49.1%79.5%42.1%
CFO/Rev 3Y Avg-3.5%39.7%42.2%37.1%44.8%50.2%40.9%
FCF/Rev LTM9.5%35.5%43.6%33.8%47.2%75.9%39.5%
FCF/Rev 3Y Avg-4.7%36.8%39.3%35.2%43.0%47.4%38.1%

Valuation

KFFBSYBTCTBIRBCAAGABCFFBCMedian
NameKentucky.Stock Ya.Communit.Republic.German A.First Fi. 
Mkt Cap0.02.41.21.81.93.41.8
P/S3.85.84.24.44.93.44.3
P/Op Inc-------
P/EBIT-------
P/E23.116.111.513.813.411.813.6
P/CFO35.415.09.112.210.04.311.1
Total Yield4.2%7.8%11.7%9.2%9.8%11.4%9.5%
Dividend Yield0.0%1.6%3.1%2.0%2.4%3.0%2.2%
FCF Yield 3Y Avg-1.8%6.9%9.8%10.1%8.6%15.5%9.2%
D/E1.10.10.10.10.10.30.1
Net D/E0.5-0.2-0.5-0.5-0.6-1.1-0.5

Returns

KFFBSYBTCTBIRBCAAGABCFFBCMedian
NameKentucky.Stock Ya.Communit.Republic.German A.First Fi. 
1M Rtn-5.0%2.9%-9.5%-2.4%3.1%3.6%0.3%
3M Rtn-2.1%-5.1%-11.3%-8.1%0.2%-3.0%-4.1%
6M Rtn27.7%10.7%5.7%19.9%16.2%8.5%13.5%
12M Rtn46.0%20.8%35.3%40.5%30.6%40.5%37.9%
3Y Rtn25.7%91.2%93.4%111.4%93.6%82.9%92.3%
1M Excs Rtn-2.1%6.3%-6.0%0.6%5.9%6.7%3.2%
3M Excs Rtn0.0%-3.8%-9.7%-6.8%1.6%-1.8%-2.8%
6M Excs Rtn23.0%5.9%0.9%15.1%11.5%3.7%8.7%
12M Excs Rtn25.1%10.0%24.2%29.4%19.4%29.2%24.6%
3Y Excs Rtn-62.5%31.8%22.7%39.8%18.9%13.3%20.8%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20262025202420232022
Single Segment1297910
Total1297910


Price Behavior

Price Behavior
Market Price$5.59 
Market Cap ($ Bil)0.0 
First Trading Date03/03/2005 
Distance from 52W High-11.1% 
   50 Days200 Days
DMA Price$5.62$4.97
DMA Trendupup
Distance from DMA-0.6%12.4%
 3M1YR
Volatility57.1%56.4%
Downside Capture-62.54-8.82
Upside Capture-67.7031.32
Correlation (S&P 500)-5.7%-6.2%
KFFB Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta0.20-0.48-0.44-0.15-0.340.10
Up Beta-5.54-1.60-2.26-1.30-0.96-0.22
Down Beta1.471.671.30-0.79-1.16-0.01
Up Capture-55%-109%-40%55%27%12%
Bmk +ve Days12182862130427
Stock +ve Days9182855107304
Down Capture34%-66%-43%21%-2%65%
Bmk -ve Days10253664121325
Stock -ve Days11223155103318

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with KFFB
KFFB84.0%59.4%1.56-
Sector ETF (XLF)11.1%15.2%0.473.9%
Equity (SPY)9.5%13.6%0.41-7.7%
Gold (GLD)3.6%28.7%0.11-2.3%
Commodities (DBC)37.7%21.2%1.40-13.5%
Real Estate (VNQ)12.0%14.2%0.55-5.1%
Bitcoin (BTCUSD)-20.8%43.3%-0.421.4%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with KFFB
KFFB14.1%53.7%0.53-
Sector ETF (XLF)9.1%18.4%0.364.4%
Equity (SPY)11.3%17.3%0.481.3%
Gold (GLD)17.5%19.1%0.740.2%
Commodities (DBC)8.0%19.6%0.292.3%
Real Estate (VNQ)1.2%18.9%-0.052.2%
Bitcoin (BTCUSD)5.9%51.5%0.292.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with KFFB
KFFB8.6%46.7%0.38-
Sector ETF (XLF)13.3%22.1%0.548.8%
Equity (SPY)14.9%18.0%0.705.5%
Gold (GLD)12.0%16.5%0.592.3%
Commodities (DBC)7.6%18.1%0.337.3%
Real Estate (VNQ)5.7%20.7%0.236.2%
Bitcoin (BTCUSD)61.3%66.2%1.013.9%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.0 Mil
Short Interest: % Change Since 9302026-57.7%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest1.0 days
Basic Shares Quantity8.1 Mil
Short % of Basic Shares0.2%

Earnings Returns History

Updated 11/5/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
11/2/2026-3.3%  
8/11/20260.6%-1.4%8.4%
5/29/20262.6%0.0%6.5%
2/12/2026-1.4%0.5%-7.5%
11/6/20254.2%14.9%9.3%
5/13/20254.8%0.0%11.2%
2/12/20250.8%-5.3%-11.4%
11/13/20242.4%4.4%11.1%
...
SUMMARY STATS   
# Positive171513
# Negative679
Median Positive0.8%2.5%8.4%
Median Negative-1.6%-2.6%-4.4%
Max Positive4.8%14.9%26.0%
Max Negative-3.7%-5.6%-11.4%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
11/2/2026-3.3%  
8/11/20260.6%-1.4%8.4%
5/29/20262.6%0.0%6.5%
2/12/2026-1.4%0.5%-7.5%
11/6/20254.2%14.9%9.3%
5/13/20254.8%0.0%11.2%
2/12/20250.8%-5.3%-11.4%
11/13/20242.4%4.4%11.1%
9/18/20240.8%-3.4%26.0%
5/13/20244.6%-1.4%-6.2%
2/13/2024-0.3%-1.5%0.3%
11/13/20232.6%14.9%-4.4%
9/7/20230.8%0.8%-11.0%
5/5/2023-1.9%-5.6%-4.1%
2/8/20232.2%0.7%-1.5%
11/10/20220.0%7.0%0.7%
9/2/20220.0%3.5%-3.4%
5/3/2022-3.7%-2.6%0.8%
2/8/20221.3%5.5%4.2%
8/27/20210.1%0.6%-1.5%
5/3/20210.0%2.6%4.1%
2/1/2021-0.2%2.5%12.7%
11/6/20200.0%0.3%12.1%
SUMMARY STATS   
# Positive171513
# Negative679
Median Positive0.8%2.5%8.4%
Median Negative-1.6%-2.6%-4.4%
Max Positive4.8%14.9%26.0%
Max Negative-3.7%-5.6%-11.4%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202609/28/202610-K
03/31/202605/15/202610-Q
12/31/202502/13/202610-Q
09/30/202511/14/202510-Q
06/30/202509/30/202510-K
03/31/202505/15/202510-Q
12/31/202402/14/202510-Q
09/30/202411/14/202410-Q
06/30/202410/03/202410-K
03/31/202405/15/202410-Q
12/31/202302/14/202410-Q
09/30/202311/14/202310-Q
06/30/202309/28/202310-K
03/31/202305/15/202310-Q
12/31/202202/14/202310-Q
09/30/202211/14/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202609/28/202610-K
03/31/202605/15/202610-Q
12/31/202502/13/202610-Q
09/30/202511/14/202510-Q
06/30/202509/30/202510-K
03/31/202505/15/202510-Q
12/31/202402/14/202510-Q
09/30/202411/14/202410-Q
06/30/202410/03/202410-K
03/31/202405/15/202410-Q
12/31/202302/14/202410-Q
09/30/202311/14/202310-Q
06/30/202309/28/202310-K
03/31/202305/15/202310-Q
12/31/202202/14/202310-Q
09/30/202211/14/202210-Q
06/30/202209/28/202210-K
03/31/202205/16/202210-Q
12/31/202102/14/202210-Q
09/30/202111/15/202110-Q
06/30/202109/28/202110-K
03/31/202105/17/202110-Q
12/31/202002/16/202110-Q
09/30/202011/16/202010-Q
06/30/202009/28/202010-K
03/31/202005/14/202010-Q
12/31/201902/14/202010-Q
09/30/201911/14/201910-Q

Insider Activity

Updated 4/26/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Johnson, William H IRASell70120252.853,59710,251130,667Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Johnson, William H IRASell70120252.853,59710,251130,667Form
Core Cache Last Updated: 11/5/2026