{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-23-074936","form_type":"8-K","ticker":"KFFB","cik":"0001297341","company_name":"Kentucky First Federal Bancorp","filed_at":"2023-09-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.506142+00:00","generated_at":"2026-06-10T22:36:00.845266+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Kentucky First Federal Bancorp reports FY net income down 41% to $933K; EPS $0.11 vs $0.19","bullets":["Net income for FY ended June 30, 2023: $933K ($0.11 EPS) vs $1.6M ($0.19 EPS) prior year, down 41.3%.","Q4 net income $42K ($0.00 EPS) vs $206K ($0.02 EPS) prior year quarter, down 79.6%.","Net interest income fell 3.3% to $8.9M as interest expense surged 122.5% to $3.9M.","Loans net increased 14.3% to $313.8M; deposits fell 5.6% to $226.3M; FHLB advances up 105.7% to $70.1M.","Book value per share $6.27; Community Bank Leverage Ratio 15.0% for the Company at June 30, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-23-074936","json":"https://secwatch.observer/filing/0001213900-23-074936.json","markdown":"https://secwatch.observer/filing/0001213900-23-074936.md","text":"https://secwatch.observer/filing/0001213900-23-074936.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023074936/0001213900-23-074936-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023074936/ea184856-8k_kentucky.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-10T22:36:00.845266+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":"573252d5ea917dedb0cc2adc2693088a38e731ce","claim":"Kentucky First Federal Bancorp reported three months ended June 30, 2023 results: net income net earnings of $42,000, EPS $0.00 basic and diluted earnings per share.","evidence_excerpt":"Net earnings for the quarter ended June 30, 2023 totaled $42,000 or $0.00 basic and diluted earnings per share compared to net earnings of $206,000 or $0.02 per common share for the quarter ended June 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023074936/0001213900-23-074936-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended June 30, 2023"},{"label":"Net income","value":"net earnings of $42,000"},{"label":"EPS","value":"$0.00 basic and diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"c230482befe0579369153590157eab3026e492eb","claim":"Kentucky First Federal Bancorp reported twelve months ended June 30, 2023 results: net income net income of $933,000, EPS $0.11 basic and diluted earnings per share.","evidence_excerpt":"announced net income of $933,000 or $0.11 basic and diluted earnings per share for the year ended June 30, 2023, compared to net income of $1.6 million or $0.19 per common share for the twelve months ended June 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1297341/000121390023074936/0001213900-23-074936-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"twelve months ended June 30, 2023"},{"label":"Net income","value":"net income of $933,000"},{"label":"EPS","value":"$0.11 basic and 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"}