---
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"
generated_at: "2026-06-15T16:04:25.768189+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# KFFB Q3 fiscal 2023 net earnings down 56.9% YoY; EPS $0.02 vs $0.04

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1297341/000121390023036817/0001213900-23-036817-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1297341/000121390023036817/ea178061-8k_kentucky.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-23-036817
- JSON: https://secwatch.observer/filing/0001213900-23-036817.json
- Plain text: https://secwatch.observer/filing/0001213900-23-036817.txt

## Key facts
- Earnings Releases
  Kentucky First Federal Bancorp reported the nine months ended March 31, 2023 results: net income $891,000, EPS $0.11 diluted earnings per share.
  - Period: the nine months ended March 31, 2023
  - Net income: $891,000
  - EPS: $0.11 diluted earnings per share
  - Result: reported results
  source text: Net earnings were $891,000 or $0.11 diluted earnings per share for the nine months ended March 31, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1297341/000121390023036817/0001213900-23-036817-index.htm
- Earnings Releases
  Kentucky First Federal Bancorp reported the three months ended March 31, 2023 results: net income $144,000, EPS $0.02 diluted earnings per share.
  - Period: the three months ended March 31, 2023
  - Net income: $144,000
  - EPS: $0.02 diluted earnings per share
  - Result: reported results
  source text: announced net earnings of $144,000 or $0.02 diluted earnings per share for the three months ended March 31, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1297341/000121390023036817/0001213900-23-036817-index.htm

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