Kentucky First Federal Bancorp | 10-Q: 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.

Segment Revenue

• Interest Income: Total interest income for the three months ended September 30, 2025, was $5,052,000, an increase from $4,620,000 in the same period in 2024.

Operational Metrics

• Net Income: The company reported a net income of $344,000 for the three months ended September 30, 2025, compared to a net loss of $15,000 in the same period in 2024.
• Net Interest Income: Increased by $634,000 or 33.9% to $2,504,000 for the three months ended September 30, 2025.
• Non-Interest Income: Increased by $16,000 or 11.7% to $153,000 for the three months ended September 30, 2025.
• Non-Interest Expense: Increased by $191,000 or 9.5% to $2,204,000 for the three months ended September 30, 2025.

Cash Flow

• Net Cash Provided by Operating Activities: $450,000 for the three months ended September 30, 2025, compared to net cash used of - $1,407,000 in the same period in 2024.
• Net Cash Used in Investing Activities: - $502,000 for the three months ended September 30, 2025, compared to net cash provided of $213,000 in the same period in 2024.
• Net Cash Used in Financing Activities: - $4,803,000 for the three months ended September 30, 2025, compared to net cash provided of $176,000 in the same period in 2024.

Unique Metrics

• Allowance for Credit Losses (ACL): The ACL was $2,166,000 at September 30, 2025, representing 67.1% of nonperforming loans and 0.7% of total loans.

Future Outlook and Strategy

• Core Business Focus: The company aims to increase earnings, increase core deposits, reduce reliance on higher-cost funding sources, and shift more of its loan portfolio towards higher-earning loans.
• Regulatory Compliance: First Federal of Kentucky is required to comply with a formal written agreement with the OCC, which includes maintaining specific capital ratios and implementing strategic and risk management plans.