---
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"
generated_at: "2026-06-19T21:32:38.808595+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# KFFB reports Dec-quarter net income $374K ($0.04 EPS), down 22.4% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1297341/000121390023009239/0001213900-23-009239-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1297341/000121390023009239/ea172978-8k_kentucky.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-23-009239
- JSON: https://secwatch.observer/filing/0001213900-23-009239.json
- Plain text: https://secwatch.observer/filing/0001213900-23-009239.txt

## Key facts
- Earnings Releases
  Kentucky First Federal Bancorp reported six months ended December 31, 2022 results: net income $747,000, EPS $0.09 diluted earnings per share.
  - Period: six months ended December 31, 2022
  - Net income: $747,000
  - EPS: $0.09 diluted earnings per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1297341/000121390023009239/0001213900-23-009239-index.htm
- Earnings Releases
  Kentucky First Federal Bancorp reported three months ended December 31, 2022 results: net income $374,000, EPS $0.04 diluted earnings per share.
  - Period: three months ended December 31, 2022
  - Net income: $374,000
  - EPS: $0.04 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 $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_url: https://www.sec.gov/Archives/edgar/data/1297341/000121390023009239/0001213900-23-009239-index.htm

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