<span item_type="fundamental" item_id="84788876f968a17c9a5d70f82824d752" counter_id="ST/US/KFFB" env="prod"></span><span item_type="announcement" item_id="579883533880723457" env="prod"></span><p>Revenue: As of FY2026 Q1, the actual value is USD 5.205 M.</p><p>EPS: As of FY2026 Q1, the actual value is USD 0.04.</p><p>EBIT: As of FY2026 Q1, the actual value is USD -2.051 M.</p><p></p><h3>Net Income</h3><p>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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1297341/000121390025107110/ea026445001ex99-1_kentucky.htm"></span></p><h3>Interest Income and Expense</h3><p>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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1297341/000121390025107110/ea026445001ex99-1_kentucky.htm"></span> 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%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1297341/000121390025107110/ea026445001ex99-1_kentucky.htm"></span></p><h3>Non-Interest Income and Expense</h3><p>Non-interest income rose by $16,000 or 11.7% to $153,000, primarily due to net gains on sales of loans.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1297341/000121390025107110/ea026445001ex99-1_kentucky.htm"></span> 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1297341/000121390025107110/ea026445001ex99-1_kentucky.htm"></span></p><h3>Cash and Cash Equivalents</h3><p>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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1297341/000121390025107110/ea026445001ex99-1_kentucky.htm"></span></p><h3>Shareholders’ Equity</h3><p>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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1297341/000121390025107110/ea026445001ex99-1_kentucky.htm"></span></p><h3>Outlook / Guidance</h3><p>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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1297341/000121390025107110/ea026445001ex99-1_kentucky.htm"></span></p>

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