Kentucky First Federal (KFFB) Q2 2025 Earnings Report

Kentucky First Federal Bancorp reported QQ2 2025 revenue of 4.955 million, up 25.35% year over year, with a gross profit of 2.209 million and a gross margin of 44.6%. Despite top-line growth, the quarter produced a de minimis operating profit (operating income of 6 thousand) and a net income of 13 thousand, yielding an EPS of 0.0016. The notable driver of profitability weakness is the material interest expense of 2.746 million, which more than dwarfs operating income and compresses net margins (net income margin of 0.26%). The company’s balance sheet shows total assets of 374.208 million, a substantial investment portfolio (long-term investments of 330.54 million), and total liabilities of 326.153 million, resulting in a thin equity base (48.055 million) and a leveraged structure (debt to capitalization around 0.563). Liquidity metrics are very tight (current ratio and quick ratio both around 0.0555), underscoring sensitivity to funding disruptions even as cash and cash equivalents sit at approximately 14.0 million and cash at end of period near 21.0 million. The trailing four-quarter data indicate improving top-line performance but persistently low profitability relative to peers, with a price-to-book around 0.50. Absent an earnings call transcript in the dataset, management commentary is limited to the quarterly numbers; nonetheless, the quarter hints at a business with modest scale in a challenging rate environment, where any improvement in net interest income, deposit stability, or expense control could meaningfully alter the earnings trajectory.