---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-21-045309"
form_type: "8-K"
ticker: "KFFB"
cik: "0001297341"
company_name: "Kentucky First Federal Bancorp"
filed_at: "2021-08-27T23:59:59+00:00"
generated_at: "2026-06-29T07:14:13.417867+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Kentucky First Federal Bancorp posts FY2021 net income of $1.8M, reversing prior year loss

## Summary
- Net income of $1.8M ($0.22 diluted EPS) for year ended June 30, 2021, vs net loss of $12.5M ($1.52 loss) in prior year.
- Q4 net income $692K ($0.08 diluted EPS) vs net loss of $13.3M ($1.61 loss) in prior-year quarter, driven by absence of $13.6M goodwill impairment.
- Net interest income increased $687K (7.4%) to $10.0M; non-interest income up $196K (49.1%) on higher gains on loan sales.
- Non-interest expense decreased $13.7M (62.4%), largely due to prior-year goodwill impairment; excluding it, adjusted expense down 1.2%.
- Assets $338.1M (+5.3%), book value $6.36 per share; capital ratios exceeded requirements.

## SEC filing metadata
- accession: 0001213900-21-045309
- form_type: 8-K
- ticker: KFFB
- cik: 0001297341
- company_name: Kentucky First Federal Bancorp
- filed_at: 2021-08-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1297341/000121390021045309/0001213900-21-045309-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1297341/000121390021045309/ea146601-8k_kentuckyfirst.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-21-045309
- JSON: https://secwatch.observer/filing/0001213900-21-045309.json
- Plain text: https://secwatch.observer/filing/0001213900-21-045309.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.