Kentucky First Federal Bancorp
KFFBFinancial·Banks - Regional·USA·Nano·NASD·Nov 11 • 3:59 PM ET
5.87+0.09 (1.62%)
2026-11-12 03:30 CET
Market cap
47.50 USD m
Revenue, TTM
- USD m
Net income, TTM
2.48 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
0.31
P/E
19.13
Price
KFFB against its 20, 50 and 200-day averages2050200earnings
9.1% under the 52-week high of 6.46 on 29 Sep 2026. 52-week low 2.97 on 13 Oct 2025. Last 15 sessions, 17.5% high to low
Volume 0.86× normal · the line is the 50-bar volume average
Profile
KFFB52-week range, 76% of the way up
4.006.46
Kentucky First Federal Bancorp is a bank holding company, which engages in the provision of banking products and services through its subsidiaries. The company was founded on March 2, 2005 and is headquartered in Hazard, KY.
| Employees | 57 |
|---|---|
| IPO | Mar 03, 2005 |
| Beta | 0.14 |
| ATR, 14d | 0.29 |
| Rel volume | 0.86 |
| Short float | 0.37% |
| Insider own | 62.41% |
| Inst own | 3.99% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 47.50M |
| Enterprise Value | - |
| Income | 2.48M |
| Sales | 21.57M |
| Book/sh | 6.30 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.05 (0.85%) |
| Dividend Ex-Date | Nov 30, 2026 |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 57 |
| IPO | Mar 03, 2005 |
Ratios
| P/E | 19.13 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.20 |
| P/B | 0.93 |
| P/C | - |
| P/FCF | 42.79 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.08 |
| Debt/Eq | 0.95 |
| LT Debt/Eq | 0.95 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 0.31 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 27.21% 1.28% |
| Sales past 3/5Y | 18.16% 10.87% |
| EPS Y/Y TTM | 360.42% |
| Sales Y/Y TTM | 7.36% |
| EPS Q/Q | 167.29% |
| Sales Q/Q | 4.11% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 62.41% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 3.99% |
| Inst Trans | 0.68% |
| ROA | 0.69% |
| ROE | 4.98% |
| ROIC | 2.50% |
| Gross Margin | - |
| Oper. Margin | 15.11% |
| Profit Margin | 11.51% |
| SMA20 | 6.83% |
| SMA50 | 3.93% |
| SMA200 | 17.98% |
| Trades | - |
Technical
| Shs Outstand | 8.09M |
|---|---|
| Shs Float | 3.04M |
| Short Float | 0.37% |
| Short Ratio | 1.22 |
| Short Interest | 0.01M |
| 52W High | 6.46 -9.06% |
| 52W Low | 4.00 46.84% |
| Volatility | 6.38% 4.37% |
| ATR (14) | 0.29 |
| RSI (14) | 57.17 |
| Beta | 0.14 |
| Rel Volume | 0.86 |
| Avg Volume | 9.16K |
| Volume | 7,873 |
Performance
| Perf Week | 7.09% |
|---|---|
| Perf Month | 1.80% |
| Perf Quarter | 4.80% |
| Perf Half Y | 36.92% |
| Perf YTD | 26.32% |
| Perf Year | 43.26% |
| Perf 3Y | 32.89% |
| Perf 5Y | -18.19% |
| Perf 10Y | -28.89% |
| Recom | - |
| Target Price | - |
| Prev Close | 5.78 |
| Price | 5.87 |
| Change % | 1.62% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| UBCP | United Bancorp Inc (Martins Ferry, OH) | 81.96M |
| HFBL | Home Federal Bancorp Inc (Louisiana) | 72.73M |
| CLST | Catalyst Bancorp Inc | 69.96M |
| MBBC | Marathon Bancorp Inc | 43.61M |
| BSBK | Bogota Financial Corp | 118.58M |
| FCAP | First Capital Inc | 216.13M |
| OVBC | Ohio Valley Banc Corp | 232.63M |
| PROV | Provident Financial Holdings Inc | 111.96M |
| CTBI | Community Trust Bancorp Inc | 1.27B |
| SYBT | Stock Yards Bancorp Inc | 2.47B |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | AUM: 212.10M |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | AUM: 49.14B |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | AUM: 3.65B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| DFSU | Dimensional US Sustainability Core 1 ETF | AUM: 2.38B |
| DXUV | US Vector Equity Portfolio ETF Class Shares | AUM: 665.71M |
News
latest 14 of 200- Kentucky First Federal: Fiscal Q1 Earnings Snapshot (Associated Press)
- Kentucky First Federal Bancorp Releases Earnings (GlobeNewswire)
- Kentucky First Federal Bancorp Announces Payment of Quarterly Dividend (GlobeNewswire)
- Kentucky First Federal: Fiscal Q4 Earnings Snapshot (Associated Press)
- Kentucky First Federal Bancorp Reports Earnings (GlobeNewswire)
- Kentucky First Federal Bancorp Board of Directors Announces Declaration of $0.05 Quarterly Dividend (GlobeNewswire)
- Kentucky First Federal Bancorp Board of Directors to Consider Resumption of Quarterly Dividend (GlobeNewswire)
- Kentucky First Federal: Fiscal Q3 Earnings Snapshot (Associated Press) +7.36%
- Kentucky First Federal Bancorp Reports Earnings (GlobeNewswire)
- Kentucky First Federal Bancorp Announces Termination of the Agreement By and Between First Federal Savings Bank of Kentucky and the OCC (GlobeNewswire)
- Kentucky First Federal: Fiscal Q2 Earnings Snapshot (Associated Press Finance)
- Kentucky First Federal Bancorp Reports Earnings (GlobeNewswire)
- Kentucky First Federal: Fiscal Q1 Earnings Snapshot (Associated Press Finance)
- Kentucky First Federal Bancorp Releases Earnings (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-05-13 | - | - | 0.072 | 3.01 | - | - |
| 2026Q2 | 2026-02-12 | - | - | 0.038 | 2.83 | - | - |
| 2026Q1 | 2025-11-06 | - | - | 0.043 | 2.66 | - | - |
| 2025Q4 | 2025-09-24 | - | - | 0.022 | 2.41 | - | - |
| 2025Q3 | 2025-05-13 | - | - | 0.001 | 2.21 | - | - |
| 2025Q2 | 2025-02-12 | - | - | 0.002 | 2.21 | - | - |
| 2025Q1 | 2024-11-13 | - | - | -0.002 | 2.01 | - | - |
| 2024Q4 | 2024-09-18 | - | - | -0.133 | 1.95 | - | - |
| 2024Q3 | 2024-05-10 | - | - | -0.013 | 1.84 | - | - |
| 2024Q2 | 2024-02-13 | - | - | -0.045 | 1.70 | - | - |
| 2024Q1 | 2023-11-13 | - | - | -0.022 | 1.74 | - | - |
| 2023Q4 | 2023-09-07 | - | - | 0.005 | 2.00 | - | - |
| 2023Q3 | 2023-05-05 | - | - | 0.018 | 2.11 | - | - |
| 2023Q2 | 2023-02-08 | - | - | 0.046 | 2.52 | - | - |
| 2023Q1 | 2022-11-10 | - | - | 0.046 | 2.53 | - | - |
| 2022Q4 | 2022-09-02 | - | - | 0.025 | 2.28 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2010FY | 0.060 | 0.071 | 0.060 | 6.69 | 6.93 |
| 2011FY | 0.230 | - | 0.230 | 7.81 | - |
| 2013FY | 0.360 | - | 0.360 | 11.72 | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.158 | 0.097 | -1.521 | 0.222 | 0.194 | 0.115 | -0.213 | 0.022 | 0.236 | 0.3071 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM |
| EPS, quarterly | -0.002 | 0.002 | 0.001 | 0.022 | 0.043 | 0.038 | 0.072 | 0.084 | 0.114 | |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 | |
| Sales, annual | 12.577 | 12.934 | 13.222 | 12.749 | 11.328 | 12.947 | 16.439 | 19.649 | 21.359 | 21.57 |
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM |
| Sales, quarterly | 4.736 | 4.936 | 4.904 | 5.075 | 5.179 | 5.335 | 5.373 | 5.472 | 5.392 | |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 | |
| Shares, annual | 8.445 | 8.33 | 8.223 | 8.227 | 8.155 | 8.087 | 8.087 | 8.087 | 8.087 | 8.087 |
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | MRQ |
| Shares, quarterly | 8.087 | 8.087 | 8.087 | 8.087 | 8.087 | 8.087 | 8.087 | 8.087 | 8.087 | |
| Period | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 | Q1 '27 |
Income statement, annual
| Metric | TTM | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 20.95 | 20.79 | 19.24 | 16.28 | 12.76 | 10.91 | 12.15 | 12.82 | 12.70 |
| Total Interest Expense | 9.20 | 9.68 | 10.90 | 9.28 | 3.90 | 1.75 | 2.14 | 3.50 | 3.25 |
| Net Interest Income | 11.75 | 11.11 | 8.34 | 6.99 | 8.86 | 9.16 | 10.01 | 9.32 | 9.45 |
| Loan Loss Provision | 0.28 | 0.24 | 0.04 | 0.02 | 0.11 | -0.06 | 0.19 | 0.10 | 0.01 |
| Net Interest Income After Loan Loss Provision | 11.47 | 10.87 | 8.30 | 6.97 | 8.74 | 9.22 | 9.82 | 9.22 | 9.44 |
| Non-Interest Income | 0.62 | 0.57 | 0.41 | 0.16 | 0.19 | 0.41 | 0.60 | 0.40 | 0.23 |
| Non-Interest Expense | 8.83 | 8.94 | 8.48 | 8.14 | 7.71 | 7.57 | 8.24 | 8.34 | 8.73 |
| Operating Income | 3.26 | 2.50 | 0.24 | -1.01 | 1.22 | 2.07 | 2.17 | 1.28 | 0.94 |
| Unusual Expense | - | 0.00 | 0.00 | 0.95 | 0.00 | 0.00 | 0.00 | 13.56 | 0.00 |
| Net Income Before Taxes | 3.26 | 2.50 | 0.24 | -1.96 | 1.23 | 2.07 | 2.17 | -12.28 | 0.95 |
| Income Taxes | 0.78 | 0.59 | 0.06 | -0.24 | 0.29 | 0.48 | 0.35 | 0.26 | 0.14 |
| Consolidated Net Income | 2.48 | 1.91 | 0.18 | -1.72 | 0.93 | 1.59 | 1.82 | -12.55 | 0.81 |
| Net Income From Continuing Operations | 2.48 | 1.91 | 0.18 | -1.72 | 0.93 | 1.59 | 1.82 | -12.55 | 0.81 |
| Net Income | 2.48 | 1.91 | 0.18 | -1.72 | 0.93 | 1.59 | 1.82 | -12.55 | 0.81 |
| EPS (Recurring) | 0.31 | 0.24 | 0.02 | -0.13 | 0.11 | 0.19 | 0.22 | -0.37 | 0.10 |
| EPS (Basic, Before Extraordinaries) | 0.31 | 0.24 | 0.02 | -0.21 | 0.11 | 0.19 | 0.22 | -1.52 | 0.10 |
| EPS (Diluted) | 0.31 | 0.24 | 0.02 | -0.21 | 0.11 | 0.19 | 0.22 | -1.52 | 0.10 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | -0.00 | 0.00 | 0.01 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | - | 0.00 | 0.00 | 0.00 | 0.06 | 0.09 | 0.08 | 0.12 |
| Price To Earnings Ratio | 19.13 | 19.13 | - | - | 54.26 | 41.17 | 33.23 | - | 125.00 |
| Price To Sales Ratio | 2.12 | 1.92 | 1.20 | 1.56 | 3.90 | 5.78 | 4.74 | 4.21 | 5.06 |
| Operating Margin | 15.11 | 11.72 | 1.21 | -6.16 | 9.40 | 18.25 | 17.05 | 9.66 | 7.30 |
| Net Margin | 11.51 | 8.94 | 0.92 | -10.47 | 7.21 | 14.04 | 14.28 | -94.89 | 6.28 |
| Shares Outstanding | 8.09 | 8.09 | 8.09 | 8.09 | 8.09 | 8.15 | 8.23 | 8.22 | 8.33 |
| Market Capitalization | 47.50 | 47.50 | 23.53 | 25.59 | 50.31 | 65.50 | 60.55 | 55.77 | 65.74 |
Income statement, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 5.21 | 5.31 | 5.26 | 5.18 | 5.05 | 4.99 | 4.85 | 4.78 |
| Total Interest Expense | 2.07 | 2.22 | 2.39 | 2.52 | 2.55 | 2.69 | 2.71 | 2.75 |
| Net Interest Income | 3.14 | 3.08 | 2.87 | 2.66 | 2.50 | 2.30 | 2.13 | 2.04 |
| Loan Loss Provision | 0.04 | 0.19 | 0.04 | 0.01 | - | 0.00 | 0.02 | 0.00 |
| Net Interest Income After Loan Loss Provision | 3.10 | 2.90 | 2.83 | 2.65 | - | 2.30 | 2.11 | 2.04 |
| Non-Interest Income | 0.18 | 0.17 | 0.12 | 0.16 | 0.13 | 0.09 | 0.06 | 0.15 |
| Non-Interest Expense | 2.07 | 2.17 | 2.19 | 2.40 | 2.18 | 2.15 | 2.15 | 2.18 |
| Operating Income | 1.21 | 0.90 | 0.75 | 0.40 | 0.45 | 0.24 | 0.01 | 0.01 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 1.21 | 0.90 | 0.76 | 0.40 | 0.45 | 0.24 | 0.01 | 0.01 |
| Income Taxes | 0.29 | 0.21 | 0.17 | 0.10 | 0.11 | 0.06 | 0.01 | -0.01 |
| Consolidated Net Income | 0.92 | 0.68 | 0.58 | 0.30 | 0.34 | 0.18 | 0.01 | 0.01 |
| Net Income From Continuing Operations | 0.92 | 0.68 | 0.58 | 0.30 | 0.34 | 0.18 | 0.01 | 0.01 |
| Net Income | 0.92 | 0.68 | 0.58 | 0.30 | 0.34 | 0.18 | 0.01 | 0.01 |
| EPS (Recurring) | 0.11 | 0.08 | 0.07 | 0.04 | 0.04 | 0.02 | 0.00 | 0.00 |
| EPS (Basic, Before Extraordinaries) | 0.11 | 0.08 | 0.07 | 0.04 | 0.04 | 0.02 | 0.00 | 0.00 |
| EPS (Diluted) | 0.11 | 0.08 | 0.07 | 0.04 | 0.04 | 0.02 | 0.00 | 0.00 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Earnings Ratio | 19.13 | 29.25 | 41.87 | 69.72 | 160.54 | - | - | - |
| Price To Sales Ratio | 2.12 | 1.92 | 1.66 | 1.84 | 1.44 | 1.20 | 1.27 | 1.32 |
| Operating Margin | 22.44 | 16.36 | 14.03 | 7.52 | 8.75 | 4.71 | 0.31 | 0.12 |
| Net Margin | 17.04 | 12.43 | 10.81 | 5.70 | 6.64 | 3.47 | 0.14 | 0.26 |
| Shares Outstanding | 8.09 | 8.09 | 8.09 | 8.09 | 8.09 | 8.09 | 8.09 | 8.09 |
| Market Capitalization | 47.50 | 41.08 | 34.77 | 37.60 | 28.95 | 23.53 | 24.10 | 24.13 |
Balance sheet, annual
| Metric | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 2.73 | 2.34 | 1.91 | 2.28 | 2.00 | 1.83 | 1.66 | 1.87 | 2.34 |
| Investments | 29.88 | 31.92 | 30.57 | 22.86 | 41.29 | 28.36 | 22.57 | 23.25 | 20.83 |
| Net Loans | 319.43 | 327.25 | 333.02 | 313.81 | 274.58 | 297.90 | 285.89 | 280.97 | 270.31 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.08 | 0.00 | 0.01 | 0.07 | 0.01 | 0.08 | 0.64 | 0.71 | 0.71 |
| Net Property, Plant & Equipment | 4.14 | 4.21 | 4.27 | 4.43 | 4.56 | 4.70 | 4.92 | 5.03 | 5.65 |
| Interest Receivables | 1.65 | 1.44 | 1.17 | 0.90 | 0.65 | 0.69 | 0.83 | 0.76 | 0.71 |
| Deferred Tax Assets | 0.91 | 0.95 | -1.19 | -1.44 | -1.75 | -1.70 | -1.75 | 1.02 | 0.90 |
| Other Intangible Assets | 4.50 | 4.05 | 4.01 | 4.66 | 4.99 | 4.49 | 4.63 | 18.18 | 17.85 |
| Total Assets | 363.31 | 372.16 | 373.78 | 347.58 | 326.33 | 336.36 | 319.38 | 331.80 | 319.30 |
| Total Deposits | 260.83 | 277.56 | 256.14 | 226.31 | 239.86 | 226.84 | 212.27 | 195.84 | 195.65 |
| Total Debt | 48.59 | 42.76 | 68.99 | 70.09 | 34.07 | 56.87 | 54.72 | 66.70 | 53.05 |
| Long Term Debt | 15.04 | 35.07 | 0.02 | 0.08 | 7.39 | 33.07 | 26.37 | 0.51 | 0.70 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 0.95 | 0.98 | -1.08 | -0.92 | -0.86 | -1.09 | -0.92 | 1.73 | 1.35 |
| Other Liabilities | 2.64 | 2.49 | 1.73 | 1.40 | 1.24 | 1.44 | 1.40 | 1.25 | 2.04 |
| Total Liabilities | 313.02 | 323.79 | 325.78 | 296.87 | 274.31 | 284.07 | 267.47 | 265.52 | 252.09 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 50.29 | 48.37 | 48.00 | 50.71 | 52.02 | 52.30 | 51.91 | 66.28 | 67.20 |
| Total Shareholders Equity | 50.29 | 48.37 | 48.00 | 50.71 | 52.02 | 52.30 | 51.91 | 66.28 | 67.20 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 50.29 | 48.37 | 48.00 | 50.71 | 52.02 | 52.30 | 51.91 | 66.28 | 67.20 |
| Total Liabilities & Stockholders Equity | 363.31 | 372.16 | 373.78 | 347.58 | 326.33 | 336.36 | 319.38 | 331.80 | 319.30 |
| Book Value Per Share | 6.22 | 5.98 | 5.94 | 6.27 | 6.38 | 6.36 | 6.31 | 7.96 | 7.96 |
| Tangible Book Value Per Share | 6.22 | 5.98 | 5.94 | 6.15 | 6.26 | 6.24 | 6.20 | 6.22 | 6.24 |
| Tier 1 Capital | 50.42 | 48.51 | 48.33 | 50.19 | 51.08 | 51.35 | 50.96 | 51.77 | 52.70 |
| Tier 2 Capital | - | - | - | - | - | 0.00 | 0.00 | 1.46 | 1.58 |
| Full-Time Employees | 57 | 54 | 56 | 60 | 62 | 59 | 63 | 64 | 70 |
| Price to Book Ratio | 0.93 | 0.49 | 0.52 | 0.99 | 1.25 | 1.16 | 1.07 | 0.98 | 1.05 |
| Return on Assets | 0.52 | 0.05 | -0.48 | 0.28 | 0.48 | 0.56 | -3.85 | 0.25 | 0.42 |
| Return on Equity | 3.87 | 0.38 | -3.49 | 1.82 | 3.05 | 3.49 | -21.23 | 1.22 | 1.97 |
| Return on Invested Capital | 2.92 | 0.22 | -3.58 | 1.84 | 2.68 | 2.13 | -16.03 | 1.22 | 1.95 |
| Current Ratio | 0.08 | 0.10 | 0.09 | 0.05 | 0.16 | 0.33 | 0.29 | 0.20 | 0.21 |
Cash flow, annual
| Metric | TTM | 2026FY | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 1.77 | -0.67 | -1.14 | 0.88 | 1.72 | 1.72 | 1.28 | 1.22 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.52 | 0.58 | -0.32 | 0.11 | -0.49 | 0.12 | 0.24 | -0.24 |
| Cash from Operating Activities | - | 1.25 | -0.09 | -1.45 | 0.99 | 1.23 | 1.84 | 1.52 | 0.97 |
| Capital Expenditures | - | -0.14 | -0.15 | -0.07 | -0.13 | -0.15 | -0.10 | -0.17 | -0.15 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.18 | 0.00 | 0.03 | 0.00 | 0.34 |
| Purchase or Sale of Investments | - | -1.04 | 0.21 | 2.71 | -2.08 | -10.28 | 1.46 | 0.92 | -0.69 |
| Purchase of Investments | - | -3.92 | -2.99 | 0.00 | -4.97 | -10.45 | -0.00 | -0.04 | -1.09 |
| Sale Or Maturity of Investments | - | 2.88 | 3.20 | 2.71 | 2.90 | 0.17 | 1.46 | 0.96 | 0.40 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.09 | 0.25 | 0.39 | 1.88 | 0.00 | 0.00 | -0.02 | 0.00 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 6.55 | 6.12 | -16.60 | -39.33 | 14.74 | -9.11 | -0.24 | -12.55 |
| Cash Dividends Paid | - | 0.00 | 0.00 | -0.67 | -1.36 | -1.39 | -1.39 | -1.39 | -1.44 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.00 | 0.00 | 0.00 | -0.46 | -0.54 | -0.17 | -0.54 | -0.90 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | -0.46 | -0.54 | -0.17 | -0.54 | -0.90 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 5.83 | -26.23 | -1.10 | 36.02 | -22.81 | 2.16 | -11.99 | 13.65 |
| Change in Long Term Debt | - | 5.83 | -26.23 | -1.10 | 36.02 | -22.81 | 2.16 | -11.99 | 13.65 |
| Issuance of Long Term Debt | - | 42.16 | 15.12 | 84.88 | 135.30 | 9.00 | 51.60 | 23.50 | 43.15 |
| Reduction of Long Term Debt | - | -36.33 | -41.35 | -85.98 | -99.28 | -31.81 | -49.44 | -35.49 | -29.50 |
| Net Financing Active Other Cash Flow | - | 0.10 | -0.04 | 0.12 | 0.03 | -0.07 | 0.04 | 0.04 | 0.00 |
| Other Financing Activities Uses | - | - | -0.04 | - | - | -0.07 | - | - | - |
| Cash from Financing Activities | - | -10.79 | -4.84 | 28.18 | 20.68 | -11.80 | 15.21 | 2.56 | 11.49 |
| Net Change in Cash | - | -3.00 | 1.19 | 10.12 | -17.66 | 4.17 | 7.95 | 3.84 | -0.08 |
| Free Cash Flow | - | 1.11 | -0.23 | -1.52 | 0.87 | 1.08 | 1.74 | 1.36 | 0.82 |
| Price to Free Cash Flow | - | 36.98 | - | - | - | - | 171.79 | - | - |
Balance sheet, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 16.89 | 2.73 | 2.29 | 2.33 | 1.85 | 2.34 |
| Investments | 9.73 | 29.88 | 33.88 | 33.11 | 28.40 | 31.92 |
| Net Loans | 315.31 | 319.43 | 328.22 | 329.83 | 326.45 | 327.25 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | - | 4.14 | 4.20 | 4.18 | 4.17 | 4.21 |
| Interest Receivables | - | 1.65 | 1.59 | 1.47 | 1.44 | 1.44 |
| Deferred Tax Assets | - | 0.91 | - | - | - | 0.95 |
| Other Intangible Assets | 14.26 | 4.50 | 4.36 | 4.36 | 4.18 | 4.05 |
| Total Assets | 356.27 | 363.31 | 374.54 | 375.28 | 366.49 | 372.16 |
| Total Deposits | 253.61 | 260.83 | 273.69 | 273.19 | 271.42 | 277.56 |
| Total Debt | 48.49 | 48.59 | 48.94 | 51.45 | 43.78 | 42.76 |
| Long Term Debt | 48.49 | 15.04 | 48.94 | 51.45 | 43.78 | 35.07 |
| Provision for Risks Charges | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | - | 0.95 | 0.06 | 0.12 | 0.06 | 0.98 |
| Other Liabilities | 3.22 | 2.64 | 2.20 | 1.41 | 2.45 | 2.49 |
| Total Liabilities | 305.31 | 313.02 | 324.88 | 326.18 | 317.71 | 323.79 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 50.96 | 50.29 | 49.66 | 49.10 | 48.78 | 48.37 |
| Total Shareholders Equity | 50.96 | 50.29 | 49.66 | 49.10 | 48.78 | 48.37 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 50.96 | 50.29 | 49.66 | 49.10 | 48.78 | 48.37 |
| Total Liabilities & Stockholders Equity | 356.27 | 363.31 | 374.54 | 375.28 | 366.49 | 372.16 |
| Book Value Per Share | 6.30 | 6.22 | 6.14 | 6.07 | 6.03 | 5.98 |
| Tangible Book Value Per Share | - | 6.22 | 6.14 | 6.07 | 6.03 | 5.98 |
| Tier 1 Capital | - | 50.42 | - | - | - | 48.51 |
| Full-Time Employees | - | 57 | - | - | - | 54 |
| Price to Book Ratio | 0.93 | 0.83 | 0.71 | 0.77 | 0.60 | 0.49 |
| Return on Assets | 0.69 | 0.52 | 0.37 | 0.22 | 0.15 | 0.05 |
| Return on Equity | 4.98 | 3.87 | 2.87 | 1.71 | 1.11 | 0.38 |
| Return on Invested Capital | 0.92 | 1.04 | 0.59 | 0.30 | 0.37 | 0.21 |
| Current Ratio | - | 0.08 | 0.68 | 0.69 | 0.50 | 0.10 |
Cash flow, quarterly
| Metric | 2027Q1 | 2026Q4 | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 0.32 | 0.54 | -0.01 | 0.91 | -0.54 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.11 | 0.34 | -0.29 | -0.46 | 0.57 |
| Cash from Operating Activities | - | 0.21 | 0.89 | -0.30 | 0.45 | 0.03 |
| Capital Expenditures | - | -0.00 | -0.06 | -0.06 | -0.01 | -0.00 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | -0.68 | 0.91 | 0.59 | -1.86 | -1.48 |
| Purchase of Investments | - | -1.52 | 0.00 | 0.00 | -2.40 | -2.99 |
| Sale Or Maturity of Investments | - | 0.84 | 0.91 | 0.59 | 0.54 | 1.51 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 7.80 | 2.42 | -3.16 | -0.50 | 1.87 |
| Cash Dividends Paid | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -0.34 | -2.51 | 7.66 | 1.02 | -10.67 |
| Change in Long Term Debt | - | -0.34 | -2.51 | 7.66 | 1.02 | -10.67 |
| Issuance of Long Term Debt | - | 7.36 | 7.70 | 16.37 | 10.73 | 0.68 |
| Reduction of Long Term Debt | - | -7.71 | -10.21 | -8.71 | -9.71 | -11.34 |
| Net Financing Active Other Cash Flow | - | 0.38 | 0.34 | -0.94 | 0.32 | 0.32 |
| Other Financing Activities Uses | - | - | 0.34 | - | - | 0.32 |
| Cash from Financing Activities | - | -12.82 | -1.68 | 8.51 | -4.80 | -10.17 |
| Net Change in Cash | - | -4.81 | 1.62 | 5.05 | -4.86 | -8.27 |
| Free Cash Flow | - | 0.21 | 0.82 | -0.37 | 0.45 | 0.03 |
| Price to Free Cash Flow | - | 36.98 | 37.43 | 1,793.29 | 100.87 | - |
Revenue breakdown
| Revenue split | - |
|---|
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.37% | 0.0M | 3.0M | 8.75K |
| 2026-10-15 | 0.44% | 0.0M | 3.0M | 8.48K |
| 2026-09-30 | 1.04% | 0.0M | 3.1M | 6.95K |
| 2026-09-15 | 1.16% | 0.0M | 3.1M | 7.31K |
| 2026-08-31 | 1.04% | 0.0M | 3.1M | 5.09K |
| 2026-08-14 | 0.89% | 0.0M | 3.1M | 3.96K |
| 2026-07-31 | 0.53% | 0.0M | 3.1M | 3.96K |
| 2026-07-15 | 0.46% | 0.0M | 3.1M | 3.63K |
| 2026-06-30 | 0.45% | 0.0M | 3.1M | 3.43K |
| 2026-06-15 | 0.42% | 0.0M | 3.1M | 4.16K |
| 2026-05-29 | 0.48% | 0.0M | 3.1M | 4.35K |
| 2026-05-15 | 0.51% | 0.0M | 3.1M | 4.87K |
| 2026-04-30 | 0.38% | 0.0M | 3.1M | 4.63K |
| 2026-04-15 | 0.36% | 0.0M | 3.1M | 4.58K |
| 2026-03-31 | 0.33% | 0.0M | 3.1M | 4.79K |
| 2026-03-13 | 0.31% | 0.0M | 3.1M | 5.10K |
| 2026-02-27 | 0.24% | 0.0M | 3.1M | 5.21K |
| 2026-02-13 | 0.22% | 0.0M | 3.1M | 4.93K |
| 2026-01-30 | 0.25% | 0.0M | 3.1M | 4.89K |
| 2026-01-15 | 0.28% | 0.0M | 3.1M | 5.97K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-02 | 8-K | Current report | 2026-11-02 | SEC |
| 2026-11-02 | 8-K | Current report | 2026-10-30 | SEC |
| 2026-10-14 | ARS | Annual report to security holders. | 2026-06-30 | SEC |
| 2026-10-13 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-11-17 | SEC |
| 2026-09-28 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-11 | 8-K | Current report | 2026-08-07 | SEC |
| 2026-07-29 | 8-K | Current report | 2026-07-28 | SEC |
| 2026-06-04 | 8-K/A | 2026-05-29 | SEC | |
| 2026-05-29 | 8-K | Current report | 2026-05-29 | SEC |
| 2026-05-15 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-13 | 8-K | Current report | 2026-05-11 | SEC |
| 2026-02-19 | 8-K | Current report | 2026-02-19 | SEC |
| 2026-02-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-02-12 | 8-K | Current report | 2026-02-10 | SEC |
| 2026-02-11 | UPLOAD | Upload Submission | SEC | |
| 2026-02-10 | CORRESP | SEC | ||
| 2026-01-27 | UPLOAD | Upload Submission | SEC | |
| 2025-12-15 | 8-K | Current report | 2025-12-10 | SEC |
| 2025-11-25 | 8-K | Current report | 2025-11-18 | SEC |
| 2025-11-14 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-09-30 | SEC |
| 2025-11-06 | 8-K | Current report | 2025-11-06 | SEC |
| 2025-10-17 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2025-11-18 | SEC |
| 2025-10-16 | ARS | Annual report to security holders. | 2025-06-30 | SEC |
| 2025-10-08 | 8-K | Current report | 2025-10-02 | SEC |
| 2025-09-30 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-06-30 | SEC |
| 2025-09-30 | NT 10-K | 2025-06-30 | SEC | |
| 2025-09-25 | 8-K | Current report | 2025-09-19 | SEC |
| 2025-07-01 | 4 | Statement of changes in beneficial ownership of securities | 2025-06-27 | SEC |
| 2025-05-15 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-03-31 | SEC |
| 2025-05-13 | 8-K | Current report | 2025-05-12 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| TI-TRUST, INC | 1.03% |
| DIMENSIONAL FUND ADVISORS LP | 1.00% |
| VANGUARD CAPITAL MANAGEMENT LLC | 0.68% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.29% |
| Farmers National Bank | 0.27% |
| VANGUARD FIDUCIARY TRUST CO | 0.21% |
| CITADEL ADVISORS LLC | 0.15% |
| Kentucky Trust Co | 0.15% |
| BlackRock, Inc. | 0.12% |
| MORGAN STANLEY | 0.04% |
Funds
| Fund | % owned |
|---|---|
| U.S. MICRO CAP PORTFOLIO | 0.50% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.45% |
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 0.23% |
| Fidelity Extended Market Index Fund | 0.18% |
| iShares Micro-Cap ETF | 0.11% |
| U.S. CORE EQUITY 1 PORTFOLIO | 0.08% |
| U.S. CORE EQUITY 2 PORTFOLIO | 0.07% |
| Fidelity Series Total Market Index Fund | 0.05% |
| Dimensional U.S. Core Equity 2 ETF | 0.04% |
| Dimensional U.S. Small Cap ETF | 0.04% |
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