AI Earnings Predictions for Kentucky First Federal Bancorp (KFFB)

EX-99.1

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PRESS RELEASE DATED NOVEMBER 2, 2026

Exhibit 99.1

Kentucky First Federal Bancorp

Hazard, Kentucky, Frankfort, Kentucky, Danville, Kentucky and Lancaster, Kentucky

For Immediate Release November 2, 2026

Contact: Don D. Jennings, President, or Tyler Eades, Vice President

(502) 223-1638

216 West Main Street

P.O.

Box 535

Frankfort,

KY 40602

Kentucky First Federal Bancorp Releases Earnings

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 net income of $919,000 or $0.11 diluted earnings per share for the three months ended September 30, 2026, compared to net income of $344,000 or $0.04 diluted earnings per share for the three months ended September 30, 2025, an increase of $575,000.

The increase in net income for the quarter ended September 30, 2026 was primarily attributable to higher net interest income, decreased non-interest expense, and slightly higher non-interest income, which were partially offset by increased provision for credit losses and higher income tax expense. Net interest income increased $639,000 or 25.5% to $3.1 million due primarily to both an increase in interest income as well as a decrease in interest expense. Interest income increased $159,000 or 3.1%, to $5.2 million, while interest expense decreased $480,000 or 18.8% to $2.1 million for the recently-ended quarter.

The average rate earned on interest-earning assets increased 38 basis points to 5.97% and was the primary reason for the increase in interest income, more than enough to make up for the decrease in average interest earning assets, which totaled $349.1 million for the recently-ended quarterly period, a decrease of $12.6 million or 3.5%. The increase in average rate earned is mostly due to the average interest rate earned on loans, which increased 47 basis points to 6.18% compared to the three months ended September 30, 2025. Interest rates on loans have increased due to new loan production at higher coupons as well as repricing of our adjustable rate mortgages to higher rates. The decrease in interest expense was attributed to both a decrease in the average balance of interest-bearing liabilities as well as a decrease in the average balance paid on those funds. The average rate paid on interest-bearing liabilities decreased 50 basis points to 2.82% and was the primary reason for the decrease in interest expense, while the average balance of interest-bearing liabilities decreased by $13.4 million or 4.4% to $293.0 million.

Non-interest

expense decreased $130,000 or 5.9% for the recently-ended quarter compared to the three months ended September 30, 2025, primarily due to decreased outside service fees of $55,000, decreased FDIC insurance premiums of $19,000, decreased employee and compensation expense of $12,000, and decreased regulatory assessment expense of $12,000.

Non-interest

income increased $28,000 or 18.3% and totaled $181,000 for the three months ended September 30, 2026, primarily due to net gains on sales of loans increasing $27,000 or 41.5% compared to September 30, 2025.

We recorded a provision for credit losses for the recently-ended quarter of $40,000 compared to no provision in the prior year period. Management determined that an increase in provision for loan losses for the quarter just ended was appropriate in light of the current economic environment and the recent increase in the overnight interest rate made by the Federal Open Market Committee. While the current economic indicators present a mixed bag of positive and negative attributes, the recent interest rate increase and market sentiment about future interest rate increases may increase pressure on borrowers and, therefore, impact our loan portfolio. Income tax expense increased $182,000 period to period, as income tax expense totaled $291,000 for the three months just ended compared to income tax expense of $109,000 in the prior year quarter. The increase is due to increased earnings, with the three months ended September 30, 2026 income before income taxes being $757,000 higher than that of the three months ended September 30, 2025.

At September 30, 2026, assets totaled $356.3 million, a decrease of $6.1 million or 1.7%, from $362.4 million at June 30, 2026, due primarily to a decrease in loans, net, which decreased $4.1 million or 1.3%. Investment securities decreased $2.1 million or 18.7% due to normal repayments and prepayments, as well as a decrease in fair market value of available for sale investments, which decreased $91,000 during the period. Total liabilities decreased $6.8 million or 2.2% to $305.3 million at September 30, 2026, as total deposits decreased $7.2 million or 2.8% to $253.6 million.

At September 30, 2026, the Company reported its book value per share as $6.30. Shareholders’ equity increased $669,000 or 1.3% to $51.0 mi

EX-99.1

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PRESS RELEASE DATED MAY 29, 2026

Exhibit 99.1

Kentucky First Federal Bancorp

Hazard, Kentucky, Frankfort, Kentucky, Danville, Kentucky and Lancaster, Kentucky

For Immediate Release May 29, 2026

Contact:Don D. Jennings, President, or Tyler Eades, Vice President

(502) 223-1638

216 West Main Street

P.O. Box 535

Frankfort, KY 40602

Kentucky First Federal Bancorp Board of Directors to

Consider Resumption of Quarterly Dividend

Special Board Meeting to be Held on July 28, 2026

Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company (the “Company” or “Kentucky First”) for First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, Frankfort, Kentucky, announced that on July 28, 2026 its Board of Directors will hold a special meeting of the Board to evaluate whether to declare a quarterly dividend on shares of the Company’s common stock in an amount not to exceed $0.10 per share. However, the Kentucky First Board of Directors may decide to declare a lower dividend or declare no dividend at all. No decision regarding the amount, frequency, or occurrence of future dividends has been made by the Kentucky First Board of Directors at this time and all dividends on Kentucky First common stock are declared at the discretion of the Kentucky First Board of Directors.  The Company previously announced on January 16, 2024, that the Board of Directors had voted to suspend the payment of dividends and the Company has not paid a dividend since November 2023.

The Company’s July 28, 2026 special Board meeting will follow the meeting of the members of First Federal MHC who are meeting on July 28, 2026 to vote on a proposal to permit First Federal MHC to waive its right to receive quarterly dividends aggregating up to $0.40 per share declared by Kentucky First during the 12-month period following member approval of the dividend waiver proposal.  First Federal MHC holds 58.5% of the Company’s outstanding shares of common stock. The members of First Federal MHC previously approved similar proposals to waive First Federal MHC’s right to receive dividends declared and paid by the Company from 2012 through 2023.  The declaration and payment of any dividend by the Kentucky First Board of Directors remains subject to any required non-objection of the Federal Reserve Bank of Cleveland.

Forward-Looking Statements

This press release may contain statements that are forward-looking,

as that term is defined by the Private Securities Litigation Act of 1995 or the Securities and Exchange Commission in its rules, regulations and releases. The Company intends that such forward-looking statements be subject to the safe harbors created thereby. These forward-looking statements may be identified by the use of words such as “believe,” “expect,” “anticipate,” “plan,” “estimate,” “intend” and “potential,” or words of similar meaning, or future or conditional verbs such as “should,” “could,” or “may.” Forward-looking statements include statements of our goals, intentions and expectations; statements regarding our business plans, prospects, growth and operating strategies; statements regarding the quality of our loan and investment portfolios; and estimates of our risks and future costs and benefits. Kentucky First Federal Bancorp’s actual results, performance or achievements may materially differ from those expressed or implied in the forward-looking statements. Risks and uncertainties that could cause or contribute to such material differences include, but are not limited to, general economic conditions; prices for real estate in the Company’s market areas; the interest rate environment and the impact of the interest rate environment on our business, financial condition and results of operations; our ability to successfully execute our strategy to increase earnings, increase core deposits, reduce reliance on higher cost funding sources and shift more of our loan portfolio towards higher-earning loans; our ability to pay future dividends and if so at what level; our ability to receive any required regulatory approval or non-objection to pay dividends to shareholders; our ability to pay dividends from First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky to the Company in order for the Company to pay dividends to shareholders; the ability of First Federal MHC to receive approval of its members to waive the payment of any Company dividends to First Federal MHC; competitive conditions in the financial services industry; changes in the level of inflation; the impacts of tariffs, sanctions and other trade policies of the United States and its global trading counterparts; changes in the demand for loans, deposits and other financial services that we provide; the possibility that future credit losses may be higher than currently expected; competitive pressures among financial services companies; the ability to attract, develop a