---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-23-086244"
form_type: "8-K"
ticker: "KFFB"
cik: "0001297341"
company_name: "Kentucky First Federal Bancorp"
filed_at: "2023-11-13T23:59:59+00:00"
generated_at: "2026-06-08T04:41:02.396075+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Kentucky First Federal Bancorp reports net loss of $175K for Sept quarter vs profit last year

## Summary
- Net loss of $175,000 or ($0.02) diluted EPS vs net earnings of $373,000 or $0.05 EPS in prior year quarter.
- Net interest income fell 31.3% to $1.7M due to interest expense rising 355.6% on rate hikes.
- Adopted CECL accounting on July 1, 2023; recorded $497K increase in ACL for loans, $414K reduction to retained earnings.
- Deposits increased $26.1M (11.5%) to $252.4M, including $48.1M in brokered CDs; book value per share $6.14.
- Shareholders' equity decreased $1.1M to $49.6M, impacted by CECL adoption and net loss.

## SEC filing metadata
- accession: 0001213900-23-086244
- form_type: 8-K
- ticker: KFFB
- cik: 0001297341
- company_name: Kentucky First Federal Bancorp
- filed_at: 2023-11-13T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1297341/000121390023086244/0001213900-23-086244-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1297341/000121390023086244/ea188286-8k_kentucky.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-23-086244
- JSON: https://secwatch.observer/filing/0001213900-23-086244.json
- Plain text: https://secwatch.observer/filing/0001213900-23-086244.txt

## Key facts
- Earnings Releases
  Kentucky First Federal Bancorp reported three months ended September 30, 2023 results: net income net loss of $175,000 or ($0.02) diluted earnings per share.
  - Period: three months ended September 30, 2023
  - Net income: net loss of $175,000 or ($0.02) 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 a net loss of $175,000 or ($0.02) diluted earnings per share for the three months ended September 30, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1297341/000121390023086244/0001213900-23-086244-index.htm

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