Kentucky First Federal Bancorp — Form 8-K
Filed November 2, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 42/100
What the filing says
For Q3 2026 (ended Sept 30), Kentucky First Federal Bancorp reported net income of $919,000 or $0.11 diluted EPS, up $575,000 (+167%) from $344,000/$0.04 in Q3 2025. The gain was driven by net interest income rising 25.5% ($639K) to $3.1M due to higher loan rates (+47 bps to 6.18%) and lower deposit rates (-50 bps to 2.82%), partly offset by a $40K provision for credit losses (none prior year) and higher tax expense. Total assets declined 1.7% to $356.3M; deposits fell 2.8% to $253.6M; shareholders' equity rose 1.3% to $51.0M; book value per share increased to $6.30.
Why this rating
Strong earnings growth (+167% YoY) and margin expansion are operationally positive for a $8.8M market-cap bank, but modest absolute scale ($919K net income, $3.1M NII quarterly) limits trajectory impact. Asset/deposit shrinkage and rising credit provisions signal headwinds.
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