Kentucky First Federal Bancorp | 8-K: FY2026 Q1 Revenue: USD 5.205 M

Revenue: As of FY2026 Q1, the actual value is USD 5.205 M.

EPS: As of FY2026 Q1, the actual value is USD 0.04.

EBIT: As of FY2026 Q1, the actual value is USD -2.051 M.

Net Income

Kentucky First Federal Bancorp reported a net income of $344,000 for the three months ended September 30, 2025, compared to a net loss of $15,000 for the same period in 2024, marking an increase of $359,000.

Interest Income and Expense

Net interest income increased by $634,000 or 33.9% to $2.5 million, driven by a $432,000 or 9.4% increase in interest income to $5.1 million and a $202,000 or 7.3% decrease in interest expense to $2.5 million. The average rate earned on interest-earning assets increased by 53 basis points to 5.59%, while the average rate paid on interest-bearing liabilities decreased by 22 basis points to 3.33%.

Non-Interest Income and Expense

Non-interest income rose by $16,000 or 11.7% to $153,000, primarily due to net gains on sales of loans. Non-interest expense increased by $191,000, mainly due to higher outside service fees and data processing expenses, which rose by $90,000 and $62,000, respectively.

Cash and Cash Equivalents

Cash and cash equivalents decreased by $4.9 million or 24.9% as the company purchased additional investment securities and used excess liquidity to pay off various funding sources.

Shareholders’ Equity

Shareholders’ equity increased by $410,000 or 0.8% to $48.8 million, primarily due to net earnings and a decrease in accumulated other comprehensive loss.

Outlook / Guidance

Kentucky First Federal Bancorp’s forward-looking statements indicate intentions to address deficiencies with the OCC, satisfy capital requirements, and execute strategies to increase earnings and core deposits while reducing reliance on higher-cost funding sources.