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Side-by-side financial comparison of Kentucky First Federal Bancorp (KFFB) and NSTS Bancorp, Inc. (NSTS). Click either name above to swap in a different company.
Kentucky First Federal Bancorp is the larger business by last-quarter revenue ($2.8M vs $2.5M, roughly 1.1× NSTS Bancorp, Inc.). NSTS Bancorp, Inc. runs the higher net margin — 214.3% vs 10.7%, a 203.6% gap on every dollar of revenue. On growth, Kentucky First Federal Bancorp posted the faster year-over-year revenue change (28.3% vs 3.0%). NSTS Bancorp, Inc. produced more free cash flow last quarter ($3.9M vs $-367.0K). Over the past eight quarters, Kentucky First Federal Bancorp's revenue compounded faster (24.0% CAGR vs 11.7%).
Kentucky First Federal Bancorp is a U.S. regional bank holding company based in Kentucky. It offers retail and commercial banking services including deposits, mortgage loans, consumer lending and small business financing, serving local individual customers and small-to-medium enterprises across its Kentucky operating regions.
NSTS Bancorp, Inc. is a U.S.-based bank holding company. It offers a comprehensive suite of retail and commercial banking products and services, including deposit accounts, personal loans, commercial loans, and wealth management solutions, primarily serving individual consumers and small-to-medium enterprises in its regional operating areas.
KFFB vs NSTS — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.8M | $2.5M |
| Net Profit | $304.0K | $135.0K |
| Gross Margin | — | — |
| Operating Margin | 14.1% | — |
| Net Margin | 10.7% | 214.3% |
| Revenue YoY | 28.3% | 3.0% |
| Net Profit YoY | 2238.5% | 393.5% |
| EPS (diluted) | $0.04 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $2.8M | $2.5M | ||
| Q3 25 | $2.7M | $2.5M | ||
| Q2 25 | $2.4M | $2.5M | ||
| Q1 25 | $2.2M | $2.2M | ||
| Q4 24 | $2.2M | $2.4M | ||
| Q3 24 | $2.0M | $2.3M | ||
| Q2 24 | $2.0M | $2.3M | ||
| Q1 24 | $1.8M | $2.0M |
| Q4 25 | $304.0K | $135.0K | ||
| Q3 25 | $344.0K | $65.0K | ||
| Q2 25 | $176.0K | $-258.0K | ||
| Q1 25 | $7.0K | $-328.0K | ||
| Q4 24 | $13.0K | $-46.0K | ||
| Q3 24 | $-15.0K | $-171.0K | ||
| Q2 24 | $-1.1M | $-326.0K | ||
| Q1 24 | $-107.0K | $-246.0K |
| Q4 25 | 14.1% | — | ||
| Q3 25 | 17.0% | 2.6% | ||
| Q2 25 | 10.3% | -10.1% | ||
| Q1 25 | 0.7% | -15.2% | ||
| Q4 24 | 0.3% | -71.9% | ||
| Q3 24 | -1.0% | -7.6% | ||
| Q2 24 | -58.7% | -14.2% | ||
| Q1 24 | -7.9% | -12.2% |
| Q4 25 | 10.7% | 214.3% | ||
| Q3 25 | 12.9% | 2.6% | ||
| Q2 25 | 7.6% | -10.1% | ||
| Q1 25 | 0.3% | -15.2% | ||
| Q4 24 | 0.6% | -71.9% | ||
| Q3 24 | -0.7% | -7.6% | ||
| Q2 24 | -56.7% | -14.2% | ||
| Q1 24 | -5.8% | -12.2% |
| Q4 25 | $0.04 | — | ||
| Q3 25 | $0.04 | $0.01 | ||
| Q2 25 | $0.02 | — | ||
| Q1 25 | $0.00 | — | ||
| Q4 24 | $0.00 | — | ||
| Q3 24 | $0.00 | $-0.03 | ||
| Q2 24 | $-0.13 | — | ||
| Q1 24 | $-0.01 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $19.7M | $34.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $49.1M | $80.0M |
| Total Assets | $375.3M | $266.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $19.7M | $34.0M | ||
| Q3 25 | $14.6M | $34.1M | ||
| Q2 25 | $19.5M | $47.5M | ||
| Q1 25 | $27.8M | $57.5M | ||
| Q4 24 | $21.0M | $53.5M | ||
| Q3 24 | $17.3M | $34.6M | ||
| Q2 24 | $18.3M | $32.4M | ||
| Q1 24 | $15.4M | $36.4M |
| Q4 25 | $49.1M | $80.0M | ||
| Q3 25 | $48.8M | $78.9M | ||
| Q2 25 | $48.4M | $77.8M | ||
| Q1 25 | $48.2M | $77.5M | ||
| Q4 24 | $48.1M | $76.5M | ||
| Q3 24 | $48.2M | $78.4M | ||
| Q2 24 | $48.0M | $76.5M | ||
| Q1 24 | $49.0M | $77.0M |
| Q4 25 | $375.3M | $266.6M | ||
| Q3 25 | $366.5M | $269.8M | ||
| Q2 25 | $371.2M | $276.0M | ||
| Q1 25 | $380.7M | $282.7M | ||
| Q4 24 | $374.2M | $278.7M | ||
| Q3 24 | $375.6M | $268.4M | ||
| Q2 24 | $375.0M | $265.9M | ||
| Q1 24 | $369.1M | $265.6M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-303.0K | $4.1M |
| Free Cash FlowOCF − Capex | $-367.0K | $3.9M |
| FCF MarginFCF / Revenue | -12.9% | 156.9% |
| Capex IntensityCapex / Revenue | 2.3% | 4.1% |
| Cash ConversionOCF / Net Profit | -1.00× | 30.01× |
| TTM Free Cash FlowTrailing 4 quarters | $-377.0K | $4.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-303.0K | $4.1M | ||
| Q3 25 | $450.0K | $2.9M | ||
| Q2 25 | $-86.0K | $655.0K | ||
| Q1 25 | $-155.0K | $-2.7M | ||
| Q4 24 | $1.4M | $9.4M | ||
| Q3 24 | $-1.4M | $1.6M | ||
| Q2 24 | $-1.5M | $-1.6M | ||
| Q1 24 | $-176.0K | $92.0K |
| Q4 25 | $-367.0K | $3.9M | ||
| Q3 25 | $445.0K | $2.9M | ||
| Q2 25 | $-235.0K | $616.0K | ||
| Q1 25 | $-220.0K | $-2.7M | ||
| Q4 24 | $1.4M | $9.1M | ||
| Q3 24 | $-1.4M | $1.6M | ||
| Q2 24 | $-1.5M | $-1.7M | ||
| Q1 24 | $-191.0K | $76.0K |
| Q4 25 | -12.9% | 156.9% | ||
| Q3 25 | 16.7% | 113.9% | ||
| Q2 25 | -9.7% | 24.2% | ||
| Q1 25 | -9.9% | -126.1% | ||
| Q4 24 | 61.8% | 373.1% | ||
| Q3 24 | -70.2% | 69.3% | ||
| Q2 24 | -77.7% | -76.4% | ||
| Q1 24 | -10.4% | 3.8% |
| Q4 25 | 2.3% | 4.1% | ||
| Q3 25 | 0.2% | 0.1% | ||
| Q2 25 | 6.2% | 1.5% | ||
| Q1 25 | 2.9% | 2.5% | ||
| Q4 24 | 3.7% | 13.1% | ||
| Q3 24 | 0.1% | 2.3% | ||
| Q2 24 | 3.4% | 5.1% | ||
| Q1 24 | 0.8% | 0.8% |
| Q4 25 | -1.00× | 30.01× | ||
| Q3 25 | 1.31× | 44.03× | ||
| Q2 25 | -0.49× | — | ||
| Q1 25 | -22.14× | — | ||
| Q4 24 | 111.31× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
