---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-22-023370"
form_type: "8-K"
ticker: "KFFB"
cik: "0001297341"
company_name: "Kentucky First Federal Bancorp"
filed_at: "2022-05-03T23:59:59+00:00"
generated_at: "2026-06-26T01:18:21.833074+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Kentucky First Federal Bancorp Q3 EPS falls to $0.04 from $0.06 YoY

## Summary
- Net earnings for quarter ended March 31, 2022: $334,000 ($0.04 diluted EPS), down 29.4% from $473,000 ($0.06) a year ago.
- Nine-month net earnings rose 22.7% to $1.4M ($0.17 diluted EPS) vs $1.1M ($0.14) prior year.
- Net interest income fell 12.7% to $2.1M; non-interest income down 48.4% to $94,000 due to lower loan sales.
- Negative provision for loan losses of $106,000 recorded vs none a year earlier; non-interest expense down 7.3% on lower pension costs.
- Loans net decreased 9.6% to $269.4M; deposits up 5.2% to $238.6M; book value per share $6.41.

## SEC filing metadata
- accession: 0001213900-22-023370
- form_type: 8-K
- ticker: KFFB
- cik: 0001297341
- company_name: Kentucky First Federal Bancorp
- filed_at: 2022-05-03T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1297341/000121390022023370/0001213900-22-023370-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1297341/000121390022023370/ea159263-8k_kentucky.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-22-023370
- JSON: https://secwatch.observer/filing/0001213900-22-023370.json
- Plain text: https://secwatch.observer/filing/0001213900-22-023370.txt

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