Kentucky First Federal Bancorp (KFFB) — SEC Filings
Kentucky First Federal Bancorp (KFFB) — 26 SEC filings. Latest: 8-K (Dec 15, 2025). Includes 16 8-K, 6 10-Q, 2 DEF 14A.
View Kentucky First Federal Bancorp on SEC EDGAR
Overview
Kentucky First Federal Bancorp (KFFB) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Dec 15, 2025: Kentucky First Federal Bancorp filed an 8-K on December 15, 2025, reporting on events that occurred on December 10, 2025. The filing covers the departure of directors or certain officers, the election of directors, the appointment of certain officers, and compensatory arrangements for certain office
Sentiment Summary
Across 26 filings, the sentiment breakdown is: 23 neutral, 3 mixed. The dominant filing sentiment for Kentucky First Federal Bancorp is neutral.
Filing Type Overview
Kentucky First Federal Bancorp (KFFB) has filed 16 8-K, 6 10-Q, 2 DEF 14A, 2 10-K with the SEC between Jan 2024 to Dec 2025.
Filings by Year
Recent SEC Filings (26)
Risk Profile
Risk Assessment: Of KFFB's 22 recent filings, 1 were flagged as high-risk, 2 as medium-risk, and 19 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $5.052M |
| Net Income | $344K |
| EPS | $0.04 |
| Debt-to-Equity | 6.51 |
| Cash Position | $14.625M |
| Operating Margin | 20.5% |
| Total Assets | $366.492M |
| Total Debt | $237.760M |
Key Executives
- Walter G. Ecton, Jr.
- R. Clay Hulette
- Stephen G. Barker
- David R. Harrod
- Lou Ella R. Farler
- David P. Mullins
- William R. Sturgill
- James E. Johnson
Industry Context
The community banking sector is characterized by its focus on local markets and relationship-based lending. Banks like KFFB face competition from larger national institutions and credit unions, as well as evolving fintech companies. Current industry trends include rising interest rates impacting net interest margins, increased focus on digital banking services, and ongoing regulatory scrutiny.
Top Tags
10-Q (5) · financials (5) · corporate-governance (4) · financial-reporting (4) · officer-changes (3) · director-changes (3) · 8-k (3) · 8-K (3) · Regional Banking (2) · Community Banking (2)
Executive Compensation
From the most recent DEF 14A filing (Oct 17, 2025):
- Walter G. Ecton, Jr. — Chairman of the Board
- R. Clay Hulette — CEO of the Company and President/CEO of First Federal of Kentucky
- Jaime Coffey — Secretary
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income | $344K | Swung from a $15K loss in Q3 2024 to a profit in Q3 2025, indicating a significant financial turnaround. |
| Net Interest Income | $2.504M | Increased by 33.9% from $1.870M in Q3 2024, driving the return to profitability. |
| Interest Income from Loans | $4.695M | Increased by $430K from Q3 2024, showing strength in core lending operations. |
| Total Assets | $366.492M | Decreased by $4.719M (1.27%) from June 30, 2025, primarily due to reduced cash and cash equivalents. |
| Total Deposits | $271.415M | Decreased by $6.148M from June 30, 2025, indicating potential funding challenges. |
| Total Non-Interest Expense | $2.204M | Increased by $191K from Q3 2024, partially offsetting gains in net interest income. |
| Basic and Diluted EPS | $0.04 | Positive earnings per share compared to a loss of $0.00 in Q3 2024. |
| Allowance for Credit Losses | $2.166M | Remained stable, with no provision for credit losses in Q3 2025, suggesting stable asset quality. |
| Shares of common stock outstanding | 8,086,715 | As of the record date September 30, 2025 |
| Legal fees paid | $25,660 | To Stephen G. Barker, Attorney at Law, from First Federal of Hazard for the year ended June 30, 2025 |
| Total Board members | 7 | Current size of the Board of Directors |
| Independent Directors | 5 | Out of seven Board members, under Nasdaq listing standards |
| Audit Committee meetings | 4 | Number of times the Audit Committee met during the year |
| Compensation Committee meetings | 1 | Number of times the Compensation Committee met during the year |
| Filing Date | 2025-10-17 | Date the DEF 14A was filed |
Frequently Asked Questions
What are the latest SEC filings for Kentucky First Federal Bancorp (KFFB)?
Kentucky First Federal Bancorp has 26 recent SEC filings from Jan 2024 to Dec 2025, including 16 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of KFFB filings?
Across 26 filings, the sentiment breakdown is: 23 neutral, 3 mixed. The dominant sentiment is neutral.
Where can I find Kentucky First Federal Bancorp SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Kentucky First Federal Bancorp (KFFB) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Kentucky First Federal Bancorp?
Key financial highlights from Kentucky First Federal Bancorp's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for KFFB?
The investment thesis for KFFB includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Kentucky First Federal Bancorp?
Key executives identified across Kentucky First Federal Bancorp's filings include Walter G. Ecton, Jr., R. Clay Hulette, Stephen G. Barker, David R. Harrod, Lou Ella R. Farler and 3 others.
What are the main risk factors for Kentucky First Federal Bancorp stock?
Of KFFB's 22 assessed filings, 1 were flagged high-risk, 2 medium-risk, and 19 low-risk.
What are recent predictions and forward guidance from Kentucky First Federal Bancorp?
Forward guidance and predictions for Kentucky First Federal Bancorp are extracted from SEC filings as they are enriched.