---
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"
generated_at: "2026-06-10T22:36:00.845266+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Kentucky First Federal Bancorp reports FY net income down 41% to $933K; EPS $0.11 vs $0.19

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-23-074936
- JSON: https://secwatch.observer/filing/0001213900-23-074936.json
- Plain text: https://secwatch.observer/filing/0001213900-23-074936.txt

## Key facts
- Earnings Releases
  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.
  - Period: three months ended June 30, 2023
  - Net income: net earnings of $42,000
  - EPS: $0.00 basic and diluted earnings per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1297341/000121390023074936/0001213900-23-074936-index.htm
- Earnings Releases
  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.
  - Period: twelve months ended June 30, 2023
  - Net income: net income of $933,000
  - EPS: $0.11 basic and diluted earnings per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1297341/000121390023074936/0001213900-23-074936-index.htm

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