---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-22-071240"
form_type: "8-K"
ticker: "KFFB"
cik: "0001297341"
company_name: "Kentucky First Federal Bancorp"
filed_at: "2022-11-10T23:59:59+00:00"
generated_at: "2026-06-21T22:24:31.657591+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Kentucky First Federal Bancorp Q1 fiscal 2023 net earnings down 34.3% to $0.05 diluted EPS

## Summary
- Net earnings $373K ($0.05 diluted EPS) vs. $568K ($0.07) in Q1 fiscal 2022, down 34.3%.
- Non-interest income fell 57.0% to $98K on reduced gains from loan sales amid rising interest rates.
- Provision for loan loss of $113K recognized; loans net increased $18.1M (6.6%) to $292.7M.
- Book value per share $6.33; shareholders' equity decreased $396K due to $430K unrealized losses on AFS securities.
- Net interest income decreased 2.9% to $2.4M; non-interest expense down 2.7% to $1.9M.

## SEC filing metadata
- accession: 0001213900-22-071240
- form_type: 8-K
- ticker: KFFB
- cik: 0001297341
- company_name: Kentucky First Federal Bancorp
- filed_at: 2022-11-10T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1297341/000121390022071240/0001213900-22-071240-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1297341/000121390022071240/ea168400-8k_kentucky.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-22-071240
- JSON: https://secwatch.observer/filing/0001213900-22-071240.json
- Plain text: https://secwatch.observer/filing/0001213900-22-071240.txt

## Key facts
- Earnings Releases
  Kentucky First Federal Bancorp reported the three months ended September 30, 2022 results: net income $373,000, EPS $0.05 diluted earnings per share.
  - Period: the three months ended September 30, 2022
  - Net income: $373,000
  - EPS: $0.05 diluted earnings per share
  - Result: reported results
  source text: Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company (the “Company”) for First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, Frankfort, Kentucky, announced net earnings of $373,000 or $0.05 diluted earnings per share for the three months ended September 30, 2022, compared to net earnings of $568,000 or $0.07 diluted earnings per share for the three months ended September 30, 2021, a decrease of $195,000 or 34.3%.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1297341/000121390022071240/0001213900-22-071240-index.htm

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