All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
6 warning events since 2017; the latest 2025-09-30.
From the record
Kentucky First Federal Bancorp's filings since 2017 show 6 warning events of 2 kinds: an auditor change (8-K item 4.01, 2 times, the latest 2023-11-29); a late-report notice (Form NT 10-K or NT 10-Q, 4 times, the latest 2025-09-30) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
-0.3% a year over 10 filed years; profitable in 7 of 8.
From the record
Kentucky First Federal Bancorp's 10 filed years say what it did: revenue went from $13 million in fiscal 2014 to $13 million in fiscal 2023, down 0.3% a year; it rose in 4 of 9 years; the deepest fall was 17% from fiscal 2014 to fiscal 2022; net income was positive in 7 of 8 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 4.4/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Kentucky First Federal Bancorp's shareholder treatment is put at 4.4 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 44% of 33 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
ROE 0%: 0¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-06-30, Kentucky First Federal Bancorp earned about 0 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 12% of 31 in its family; net margin 7.3%.
From the record
Kentucky First Federal Bancorp's standing among 31 graded names in its industry family: revenue of $13 million in fiscal 2023 ranks in the bottom 8% by size; a net margin of 7.3% ranks in the bottom 21%; revenue growth of -0.2% a year over the last 3 filed years ranks in the bottom 8% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 4.5/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Kentucky First Federal Bancorp's leadership is put at 4.5 of 10 with a confidence of 20 of 100, because no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, so the desk assumes the typical reading of its industry family, the median of 29 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
SI estimate 5.9/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Kentucky First Federal Bancorp's room to expand is put at 5.9 of 10 with a confidence of 35 of 100, because read from one part only, cash less debt against assets, which ranks in the top 41% of 33 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.
What could actually drive growth from here?
top 38% of 30 in its family for growth drivers.
From the record
Kentucky First Federal Bancorp's growth drivers, from the filed years to fiscal 2023: revenue grew -0.2% a year over the last three filed years against -0.3% over all 10, speeding up (bottom 32% of its family); the newest year grew 16.9% (top 8%); capital spending grew 10.2% a year (top 36%) (its annual reports). Kentucky First Federal Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 7% of 29 in its family for expectations against reality.
From the record
Kentucky First Federal Bancorp's newest year against its own record: revenue of $13 million in fiscal 2023 came in 26.7% above the $10 million its prior three years' pace pointed to (top 2% of its family); net income of $933 thousand against a prior three-year average of $3 million (top 16%); a net margin of 7.3% against -22.8% before (top 5%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made