Demonstrações financeiras detalhadas de Kentucky First Federal Bancorp (KFFB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Kentucky First Federal Bancorp registou receitas de $21.4M no último exercício, com um CAGR de 5 anos de 10.9%. O lucro líquido atingiu $1.9M, com CAGR de 5 anos de 1.0%.
Margens dos últimos 12 meses: margem bruta 53.7%, margem operacional 11.7%, margem líquida 8.9%.
Ao preço atual de $5.73, KFFB negocia a um P/L de 23.98 e um ROE de 3.86%. A capitalização de mercado é de $46M.
Demonstração de Resultados (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Receita | $11.7M | $12.6M | $12.9M | $13.2M | $12.7M | $11.4M | $13.1M | $16.5M | $19.6M | $21.4M |
| Custo da Receita | $1.7M | $2.3M | $3.3M | $3.6M | $2.3M | $1.7M | $4.0M | $9.3M | $10.9M | $9.9M |
| Lucro Bruto | $10.0M | $10.2M | $9.7M | $9.6M | $10.4M | $9.7M | $9.0M | $7.2M | $8.7M | $11.5M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $6.4M | $6.8M | $6.9M | $6.6M | $6.7M | $5.1M | $5.2M | $5.4M | $5.2M | 0 |
| Despesas Operacionais | $8.5M | $8.9M | $8.7M | $21.9M | $8.2M | $7.7M | $7.8M | $9.2M | $8.5M | $9.0M |
| Lucro Operacional | $1.4M | $1.3M | $953000 | -$12.3M | $2.2M | $2.1M | $1.2M | -$2.0M | $238000 | $2.5M |
| EBITDA | $1.8M | $1.6M | $1.2M | -$12.0M | $2.5M | $2.4M | $1.5M | -$1.7M | $439000 | $2.5M |
| Despesas com Juros | $1.5M | $2.2M | $3.3M | $3.5M | $2.1M | $1.8M | $3.9M | $9.3M | $10.9M | $9.7M |
| Lucro Antes de Impostos | $1.4M | $1.3M | $953000 | -$12.3M | $2.2M | $2.1M | $1.2M | -$2.0M | $238000 | $2.5M |
| Imposto | $513000 | -$37000 | $141000 | $264000 | $352000 | $477000 | $294000 | -$239000 | $57000 | $595000 |
| Lucro Líquido | $935000 | $1.3M | $812000 | -$12.5M | $1.8M | $1.6M | $933000 | -$1.7M | $181000 | $1.9M |
| LPA | $0.11 | $0.16 | $0.10 | $-1.52 | $0.22 | $0.19 | $0.11 | $-0.21 | $0.02 | $0.24 |
| LPA Diluído | $0.11 | $0.16 | $0.10 | $-1.52 | $0.22 | $0.19 | $0.11 | $-0.21 | $0.02 | $0.24 |
| Ações em Circulação (Diluídas) | $8.3M | $8.4M | $8.3M | $8.3M | $8.2M | $8.2M | $8.1M | $8.1M | $8.1M | $8.1M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $5.2M | $5.4M | $5.4M | $5.5M |
| Lucro Bruto | $2.7M | $2.8M | $3.0M | $3.1M |
| Lucro Operacional | $453000 | $401000 | $755000 | $895000 |
| EBITDA | $501000 | $449000 | $807000 | $895000 |
| Lucro Líquido | $344000 | $304000 | $581000 | $680000 |
| LPA | $0.04 | $0.04 | $0.07 | $0.08 |
| LPA Diluído | $0.04 | $0.04 | $0.07 | $0.08 |
Balanço (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Caixa e Equivalentes | $17.0M | $15.6M | $16.7M | $15.9M | $16.9M | $11.0M | $7.5M | $17.6M | $2.3M | $16.5M |
| Investimentos de Curto Prazo | $71000 | $48000 | $1.0M | $541000 | $33000 | $10.5M | $12.1M | $9.6M | $8.6M | 0 |
| Contas a Receber | $679000 | $706000 | $758000 | $830000 | $694000 | $649000 | $902000 | $1.2M | $1.4M | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $17.8M | $16.4M | $18.9M | $17.4M | $17.7M | $22.5M | $20.6M | $28.6M | $20.9M | $16.5M |
| Imobilizado | $5.8M | $5.7M | $5.0M | $4.9M | $4.7M | $4.6M | $4.4M | $4.3M | $4.2M | 0 |
| Ágio | $14.5M | $14.5M | $14.5M | $947000 | $947000 | $947000 | $947000 | 0 | 0 | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $308.5M | $318.4M | $330.6M | $321.1M | $338.1M | $328.1M | $349.0M | $375.0M | $372.2M | $362.4M |
| Contas a Pagar | $21000 | $22000 | $28000 | $27000 | $20000 | $12000 | $70000 | $176000 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $7.7M | 0 |
| Passivos Circulantes | $182.9M | $195.7M | $195.9M | $212.3M | $226.9M | $239.9M | $226.4M | $256.3M | $210.5M | 0 |
| Dívida de Longo Prazo | $55.8M | $53.1M | $66.7M | $54.7M | $56.9M | $34.1M | $70.1M | $69.0M | $35.1M | $48.6M |
| Passivos Totais | $241.3M | $251.2M | $264.4M | $269.2M | $285.8M | $276.1M | $298.3M | $327.0M | $323.8M | $312.1M |
| Reservas | $34.2M | $34.0M | $33.9M | $19.9M | $20.4M | $20.6M | $20.1M | $17.3M | $17.5M | 0 |
| Patrimônio Líquido | $67.1M | $67.2M | $66.3M | $51.9M | $52.3M | $52.0M | $50.7M | $48.0M | $48.4M | $50.3M |
| Dívida Total | $55.8M | $53.1M | $66.7M | $54.7M | $56.9M | $34.1M | $70.1M | $69.0M | $42.8M | $48.6M |
| Dívida Líquida | $38.7M | $37.4M | $49.0M | $38.2M | $39.9M | $12.6M | $50.5M | $41.8M | $31.8M | $32.1M |
| Capital de Giro | -$165.1M | -$179.3M | -$177.0M | -$194.9M | -$209.2M | -$217.4M | -$205.8M | -$227.7M | -$189.6M | $16.5M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $12.5M | $16.4M | $2.3M | $16.5M |
| Ativos Totais | $366.5M | $375.3M | $374.5M | $362.4M |
| Passivos Totais | $317.7M | $326.2M | $324.9M | $312.1M |
| Patrimônio Líquido | $48.8M | $49.1M | $49.7M | $50.3M |
| Dívida Total | $43.8M | $51.4M | $48.9M | $48.6M |
Fluxo de Caixa (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Lucro Líquido | $935000 | $1.3M | $812000 | -$12.5M | $1.8M | $1.6M | $933000 | -$1.7M | $181000 | $1.9M |
| Depreciação e Amortização | $336000 | $309000 | $282000 | $277000 | $288000 | $285000 | $255000 | $234000 | $201000 | 0 |
| Compensação em Ações | $213000 | $188000 | $158000 | $112000 | $122000 | $73000 | $4000 | 0 | 0 | 0 |
| Variação Capital de Giro | $410000 | -$117000 | -$384000 | $107000 | $348000 | -$492000 | $111000 | -$319000 | $547000 | 0 |
| Fluxo de Caixa Operacional | $2.1M | $1.1M | $1.0M | $1.0M | $1.6M | $2.6M | $1.2M | -$1.5M | -$86000 | 0 |
| CapEx | -$124000 | -$151000 | -$148000 | -$165000 | -$101000 | -$151000 | -$127000 | -$66000 | -$149000 | 0 |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | -$904000 | -$542000 | -$167000 | -$540000 | -$461000 | 0 | 0 | 0 |
| Dividendos Pagos | -$1.5M | -$1.5M | -$1.4M | -$1.4M | -$1.4M | -$1.4M | -$1.4M | -$670000 | 0 | 0 |
| Fluxo de Caixa Livre | $2.0M | $998000 | $854000 | $877000 | $1.5M | $2.5M | $1.0M | -$1.5M | -$235000 | 0 |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $450000 | -$303000 | $886000 | 0 |
| CapEx | -$5000 | -$64000 | -$63000 | 0 |
| Fluxo de Caixa Livre | $445000 | -$367000 | $823000 | 0 |
| Dividendos Pagos | 0 | 0 | 0 | 0 |
| Compensação em Ações | 0 | 0 | 0 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Crescimento Receita (anual) | | +7.7% | +2.8% | +2.2% | -3.6% | -10.4% | +14.2% | +26.7% | +18.9% | +9.0% |
| Crescimento Lucro Líquido (anual) | | +41.5% | -38.6% | -1645.2% | +114.5% | -12.6% | -41.3% | -284.5% | +110.5% | +954.7% |
| Crescimento LPA (anual) | | +45.5% | -37.5% | -1620.0% | +114.5% | -13.6% | -42.1% | -290.9% | +110.6% | +976.2% |
| Variação de Ações (anual) | | +0.3% | -0.4% | -1.0% | -0.4% | -0.0% | -1.0% | -0.4% | +0.0% | -0.1% |
| Crescimento FCF (anual) | | -49.8% | -14.4% | +2.7% | +68.8% | +68.2% | -58.8% | -248.3% | +84.5% | +100.0% |
| Margem Bruta | 85.5% | 81.3% | 74.8% | 72.8% | 81.7% | 85.2% | 69.2% | 43.7% | 44.3% | 53.7% |
| Margem Operacional | 12.4% | 10.2% | 7.4% | -92.9% | 17.0% | 18.1% | 9.4% | -11.9% | 1.2% | 11.7% |
| Margem EBITDA | 15.3% | 12.7% | 9.5% | -90.8% | 19.3% | 20.6% | 11.4% | -10.4% | 2.2% | 11.7% |
| Margem Líquida | 8.0% | 10.5% | 6.3% | -94.9% | 14.3% | 13.9% | 7.1% | -10.4% | 0.9% | 8.9% |
| Margem FCF | 17.0% | 7.9% | 6.6% | 6.6% | 11.6% | 21.8% | 7.9% | -9.2% | -1.2% | 0.0% |
| Taxa Efetiva de Imposto | 35.4% | -2.9% | 14.8% | -2.1% | 16.2% | 23.1% | 24.0% | 12.2% | 23.9% | 23.8% |
Dados por Ação (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| FCF por Ação | $0.24 | $0.12 | $0.10 | $0.11 | $0.18 | $0.30 | $0.13 | $-0.19 | $-0.03 | $0.00 |
| Dividendo por Ação | $0.18 | $0.17 | $0.17 | $0.17 | $0.17 | $0.17 | $0.17 | $0.08 | $0.00 | $0.00 |
| Ações em Circulação (Básicas) | $8.3M | $8.4M | $8.3M | $8.3M | $8.2M | $8.2M | $8.1M | $8.1M | $8.1M | $8.1M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 3.86% |
| Retorno sobre capital investido | 0.53% |
| Retorno sobre ativos | 0.53% |
| Margem bruta | 53.69% |
| Margem operacional | 11.69% |
| Margem líquida | 8.91% |
Saúde financeira
| Dívida / Patrimônio | 0.97 |
| Liquidez corrente | 0.00 |
Índices Chave (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| P/L | 85.82 | 52.81 | 75.00 | -4.44 | 33.45 | 41.95 | 56.45 | -15.05 | 130.49 | 21.17 |
| P/VP | 1.17 | 1.05 | 0.94 | 1.07 | 1.16 | 1.26 | 1.00 | 0.53 | 0.49 | 0.82 |
| P/V | 6.75 | 5.62 | 4.83 | 4.21 | 4.74 | 5.73 | 3.87 | 1.55 | 1.20 | 1.92 |
| Margem Bruta | 85.5% | 81.3% | 74.8% | 72.8% | 81.7% | 85.2% | 69.2% | 43.7% | 44.3% | 53.7% |
| Margem Operacional | 12.4% | 10.2% | 7.4% | -92.9% | 17.0% | 18.1% | 9.4% | -11.9% | 1.2% | 11.7% |
| Margem Líquida | 8.0% | 10.5% | 6.3% | -94.9% | 14.3% | 13.9% | 7.1% | -10.4% | 0.9% | 8.9% |