Stock fact sheet · data as of
Kentucky First Federal Bancorp (KFFB): fair value, margin of safety and Wheel Score
Ticker symbol KFFB · Financial Services · Banks - Regional · United States · Blend
Is KFFB undervalued?
At 5.49 (close of 5 Nov 2026), KFFB trades 28% under the GLS average fair value of 7.67. 4 of the 8 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS scan; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
There is a wide gap between DDM (0.7357) and Graham Growth (17.57). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for KFFB, so the nightly engine files it under Blend (value score 65, growth score 55, out of 100).
Nine valuation models for KFFB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 17.45 | +218% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 17.57 | +220% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 7.68 | +40% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 5.92 | +8% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 4.77 | -13% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 3.83 | -30% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 0.7357 | -87% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 3.41 | -38% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -36.56 | -766% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Kentucky First Federal Bancorp scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 2.8/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 1.9%, ROE 3.8%, ROA 0.5% - with debt at 0.97 times equity and a free-cash-flow yield of 2.5%.
The dividend yield is 0.91% with a payout ratio of 0% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 1.9% |
|---|---|---|---|
| GLS Moat | 2.8 / 10 | ROE | 3.8% |
| Debt / equity | 0.97 | ROA | 0.5% |
| Free-cash-flow yield | 2.5% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 29: No options
No options are listed on Kentucky First Federal Bancorp in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 29, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 5k shares a day on a market cap of $44M, with a beta of 0.14 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $44M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 28% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 2.8/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.14, $44M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for KFFB in the nightly calendar. The shares go ex-dividend on 30 Nov 2026 (0.0500 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Kentucky First Federal Bancorp by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| MDVT Middlebury National Corporation | 52.00 | 117.86 | +56% | 31No options | $45M |
| UNBK United National Bank | 54.50 | 75.37 | +28% | 33No options | $44M |
| HCBC High Country Bancorp, Inc. | 45.05 | 47.76 | +6% | 23No options | $45M |
| ALBY Community Capital Bancshares, Inc. | 33.50 | 85.24 | +61% | 31No options | $44M |
| MBBC Marathon Bancorp, Inc. | 14.43 | 16.09 | +10% | 22No options | $43M |
| LUMB Lumbee Guaranty Bank | 13.50 | 14.22 | +5% | 19No options | $43M |
| HFBA HFB Financial Corporation | 37.70 | 54.18 | +30% | 32No options | $43M |
| HCKG Hocking Valley Bancshares, Inc. | 33.25 | 66.51 | +50% | 33No options | $41M |
| CYSM Community Bancorp of Santa Maria | 18.65 | 29.30 | +36% | 35No options | $41M |
| BHDB Bank of Labor Bancshares, Inc. | 142.50 | 760.28 | +81% | 31No options | $49M |
| HVLM Huron Valley Bancorp, Inc. | 56.05 | 66.22 | +15% | 27No options | $49M |
| FRFC First Robinson Financial Corporation | 78.00 | 212.23 | +63% | 31No options | $40M |
⚖ Compare KFFB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about KFFB
Is KFFB undervalued right now?
By the GLS models, moderately: at 5.49 the stock trades 28% below the average fair value of 7.67 (data as of 5 Nov 2026).
What is the Wheel Score of KFFB and what does it mean?
KFFB has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for KFFB?
7.67 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Kentucky First Federal Bancorp report earnings next?
No upcoming earnings date is recorded for KFFB in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does KFFB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on KFFB, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.