KFFBMEDIUM SIGNALFINANCIAL10-K

KFFB showed improved operational performance with substantially higher net interest income and meaningfully better operating cash flow positioning.

The bank demonstrated strong core earnings growth through net interest income expansion of 16.9%, suggesting effective interest rate management or loan portfolio growth. The dramatic improvement in operating cash flow from negative $1.5M to negative $86K indicates significantly better cash generation and operational efficiency.

Comparing 2025-09-30 vs 2024-10-03View on EDGAR →
FINANCIAL ANALYSIS

KFFB's financial performance showed notable improvement across key metrics, with net interest income growing meaningfully to $12.8M while credit loss provisions declined modestly to $185K. The substantial improvement in operating cash flow position, moving from -$1.5M to -$86K, signals stronger operational cash generation. Overall, the financial picture suggests a bank with improving core earnings power and better cash flow management.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
+94.1%
-$1.5M→-$86K

Operating cash flow surged 94.1% — exceptional cash generation, highest quality earnings signal.

Provision for Credit Losses
P&L
-23.6%
$242K→$185K

Provisions reduced 23.6% — improving credit quality or reserve release boosting reported earnings.

Net Interest Income
P&L
+16.9%
$10.9M→$12.8M

Net interest income grew 16.9% — benefiting from rate environment or loan book expansion.

LANGUAGE CHANGES
NEW — 2025-09-30
PRIOR — 2024-10-03
ADDED
Portions of Proxy Statement for the 2025 Annual Meeting of Stockholders.
1 At June 30, 2025, Kentucky First had total assets of $371.2 million, deposits of $277.6 million and stockholders equity of $48.4 million.
At June 30, 2025, First Federal of Hazard had total assets of $85.8 million, net loans of $77.2 million, total mortgage-backed and other securities of $2.8 million, deposits of $59.5 million and total capital of $17.9 million.
At June 30, 2025, First Federal of Kentucky had total assets of $286.1 million, net loans of $250.0 million, total mortgage-backed and other securities of $7.0 million, deposits of $219.4 million and total capital of $29.3 million.
In the most recent available data, using information from the Commonwealth of Kentucky Economic Development and the United States Bureau of Labor Statistics, median household income in Perry County is $46,572 compared to personal income of $64,790 in Kentucky and $83,730 in the United States.
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REMOVED
Portions of Proxy Statement for the 2024 Annual Meeting of Stockholders.
1 At June 30, 2024, Kentucky First had total assets of $375.0 million, deposits of $256.1 million and stockholders equity of $48.0 million.
At June 30, 2024, First Federal of Hazard had total assets of $89.8 million, net loans of $81.1 million, total mortgage-backed and other securities of $3.4 million, deposits of $54.4 million and total capital of $18.0 million.
At June 30, 2024, First Federal of Kentucky had total assets of $287.1 million, net loans of $251.9 million, total mortgage-backed and other securities of $6.4 million, deposits of $204.4 million and total capital of $28.9 million.
In the most recent available data, using information from the Commonwealth of Kentucky Economic Development and the United States Bureau of Labor Statistics, median household income in Perry County is $48,328 compared to personal income of $61,118 in Kentucky and $80,610 in the United States.
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