{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-23-009239","form_type":"8-K","ticker":"KFFB","cik":"0001297341","company_name":"Kentucky First Federal Bancorp","filed_at":"2023-02-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:44.269407+00:00","generated_at":"2026-06-19T21:32:38.808595+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"KFFB reports Dec-quarter net income $374K ($0.04 EPS), down 22.4% YoY","bullets":["Net earnings $374K ($0.04 diluted EPS) vs $482K ($0.06) a year ago, a 22.4% decrease for the quarter ended Dec 31, 2022.","Six-month net earnings $747K ($0.09 EPS) vs $1.1M ($0.13) prior year, down 28.9% YoY.","Net interest income up 4.9% to $2.4M; offset by higher non-interest expense (+7.2%) and lower non-interest income (-31%).","Loans, net grew 8.9% to $299.0M, while deposits fell 12.7% to $209.4M; advances increased $39.2M to fund loan growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-23-009239","json":"https://secwatch.observer/filing/0001213900-23-009239.json","markdown":"https://secwatch.observer/filing/0001213900-23-009239.md","text":"https://secwatch.observer/filing/0001213900-23-009239.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023009239/0001213900-23-009239-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023009239/ea172978-8k_kentucky.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T21:32:38.808595+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"a2c88c64beb9077a32b1cc8637e52f0ae1dff4ef","claim":"Kentucky First Federal Bancorp reported six months ended December 31, 2022 results: net income $747,000, EPS $0.09 diluted earnings per share.","evidence_excerpt":"Net earnings were $747,000 or $0.09 diluted earnings per share for the six months ended December 31, 2022, compared to net earnings of $1.1 million or $0.13 diluted earnings per share for the six months ended December 31, 2021, a decrease of $303,000 or 28.9%.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023009239/0001213900-23-009239-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"six months ended December 31, 2022"},{"label":"Net income","value":"$747,000"},{"label":"EPS","value":"$0.09 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f6106ad552e367df7f7fa3b95af13f1d260ed2aa","claim":"Kentucky First Federal Bancorp reported three months ended December 31, 2022 results: net income $374,000, EPS $0.04 diluted earnings per share.","evidence_excerpt":"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 $374,000 or $0.04 diluted earnings per share for the three months ended December 31, 2022, compared to net earnings of $482,000 or $0.06 diluted earnings per share for the three months ended December 31, 2021, a decrease of $108,000 or 22.4%.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023009239/0001213900-23-009239-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended December 31, 2022"},{"label":"Net income","value":"$374,000"},{"label":"EPS","value":"$0.04 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}