Stock fact sheet · data as of
Kentucky First Federal Bancorp (KFFB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Blend
Is KFFB undervalued?
At 5.41 (close of 16 Oct 2026), KFFB trades within a few percent of the GLS average fair value of 5.15 (5.0% above fair value). 8 models produced a value and they split 3 above the price to 5 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
There is a wide gap between DDM (0.7357) and Graham Growth (13.50). 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.
The nightly engine files KFFB under Blend.
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 | 5.75 | +6% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 13.50 | +150% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 5.90 | +9% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 4.55 | -16% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 4.32 | -20% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 3.83 | -29% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 0.7357 | -86% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 2.62 | -52% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -36.56 | -776% | 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 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. A GLS Moat score of 4.4/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, 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 0.92% 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 | 7 / 9 | ROIC | 1.9% |
|---|---|---|---|
| GLS Moat | 4.4 / 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 39: No options
No options are listed on Kentucky First Federal Bancorp in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 15k 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 gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 10 / 25 | -5% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 7 / 15 | moat 4.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 15k shares/day, $44M cap, beta 0.14 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for KFFB in the nightly calendar.
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 |
|---|---|---|---|---|---|
| UNBK United National Bank | 54.50 | 75.37 | +28% | 39No options | $44M |
| ALBY Community Capital Bancshares, Inc. | 33.70 | 84.41 | +60% | 39No options | $44M |
| MBBC Marathon Bancorp, Inc. | 14.70 | 16.09 | +9% | 39No options | $44M |
| LUMB Lumbee Guaranty Bank | 13.80 | 14.01 | +1% | 34No options | $44M |
| BHDB Bank of Labor Bancshares, Inc. | 129.50 | 759.18 | +83% | 39No options | $44M |
| HCKG Hocking Valley Bancshares, Inc. | 36.00 | 65.70 | +45% | 39No options | $45M |
| MDVT Middlebury National Corporation | 49.70 | 117.87 | +58% | 39No options | $43M |
| HCBC High Country Bancorp, Inc. | 45.18 | 45.75 | +1% | 37No options | $45M |
| HFBA HFB Financial Corporation | 36.90 | 54.21 | +32% | 39No options | $42M |
| CYSM Community Bancorp of Santa Maria | 19.10 | 29.28 | +35% | 39No options | $42M |
| SCYT Security Bancorp, Inc. | 122.00 | 409.26 | +70% | 39No options | $46M |
| ANDC Andover Bancorp, Inc. | 20.00 | 29.71 | +33% | 39No 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?
Not meaningfully: at 5.41 the stock trades within a few percent of the GLS average fair value of 5.15 (5.0% above fair value, data as of 16 Oct 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; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for KFFB?
5.15 per share as of 16 Oct 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 16 Oct 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 is capped at 39.