{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-23-036817","form_type":"8-K","ticker":"KFFB","cik":"0001297341","company_name":"Kentucky First Federal Bancorp","filed_at":"2023-05-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.305540+00:00","generated_at":"2026-06-15T16:04:25.768189+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 Q3 fiscal 2023 net earnings down 56.9% YoY; EPS $0.02 vs $0.04","bullets":["Net earnings of $144k ($0.02 diluted EPS) for Q3 ended Mar 31, 2023, down 56.9% from $334k ($0.04) year ago.","Nine-month net earnings of $891k ($0.11 EPS), down 35.6% from $1.4M ($0.17) prior period.","Net interest income decreased $93k (4.4%) to $2.0M as interest expense surged 175.4% due to FOMC rate hikes.","Loan portfolio up 11.8% to $307M; deposits fell 12.7% to $209.4M, replaced by FHLB advances up 137.5% to $80.9M.","Book value per share $6.32; unrealized losses on AFS investments of $361k included in shareholders' equity."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-23-036817","json":"https://secwatch.observer/filing/0001213900-23-036817.json","markdown":"https://secwatch.observer/filing/0001213900-23-036817.md","text":"https://secwatch.observer/filing/0001213900-23-036817.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023036817/0001213900-23-036817-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023036817/ea178061-8k_kentucky.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-15T16:04:25.768189+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":"aa776692669b0de5cd50f3177fe0d0d4435d9d60","claim":"Kentucky First Federal Bancorp reported the nine months ended March 31, 2023 results: net income $891,000, EPS $0.11 diluted earnings per share.","evidence_excerpt":"Net earnings were $891,000 or $0.11 diluted earnings per share for the nine months ended March 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023036817/0001213900-23-036817-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended March 31, 2023"},{"label":"Net income","value":"$891,000"},{"label":"EPS","value":"$0.11 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"ff3c70069480d131eb136c35ae7616bc55543a95","claim":"Kentucky First Federal Bancorp reported the three months ended March 31, 2023 results: net income $144,000, EPS $0.02 diluted earnings per share.","evidence_excerpt":"announced net earnings of $144,000 or $0.02 diluted earnings per share for the three months ended March 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023036817/0001213900-23-036817-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2023"},{"label":"Net income","value":"$144,000"},{"label":"EPS","value":"$0.02 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"}