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Side-by-side financial comparison of Kentucky First Federal Bancorp (KFFB) and Xos, Inc. (XOS). Click either name above to swap in a different company.
Xos, Inc. is the larger business by last-quarter revenue ($5.2M vs $2.8M, roughly 1.8× Kentucky First Federal Bancorp). Kentucky First Federal Bancorp runs the higher net margin — 10.7% vs -186.8%, a 197.5% gap on every dollar of revenue. On growth, Kentucky First Federal Bancorp posted the faster year-over-year revenue change (28.3% vs -54.5%). Over the past eight quarters, Kentucky First Federal Bancorp's revenue compounded faster (24.0% CAGR vs -35.7%).
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.
Xos, Inc. is an American manufacturer of commercial electric vehicles (EVs) and mobile EV chargers.
KFFB vs XOS — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.8M | $5.2M |
| Net Profit | $304.0K | $-9.8M |
| Gross Margin | — | -50.5% |
| Operating Margin | 14.1% | -186.6% |
| Net Margin | 10.7% | -186.8% |
| Revenue YoY | 28.3% | -54.5% |
| Net Profit YoY | 2238.5% | 48.6% |
| EPS (diluted) | $0.04 | $-0.76 |
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 | $5.2M | ||
| Q3 25 | $2.7M | $16.5M | ||
| Q2 25 | $2.4M | $18.4M | ||
| Q1 25 | $2.2M | $5.9M | ||
| Q4 24 | $2.2M | $11.5M | ||
| Q3 24 | $2.0M | $15.8M | ||
| Q2 24 | $2.0M | $15.5M | ||
| Q1 24 | $1.8M | $12.6M |
| Q4 25 | $304.0K | $-9.8M | ||
| Q3 25 | $344.0K | $2.1M | ||
| Q2 25 | $176.0K | $-7.5M | ||
| Q1 25 | $7.0K | $-10.2M | ||
| Q4 24 | $13.0K | $-19.0M | ||
| Q3 24 | $-15.0K | $-10.5M | ||
| Q2 24 | $-1.1M | $-9.7M | ||
| Q1 24 | $-107.0K | $-11.0M |
| Q4 25 | — | -50.5% | ||
| Q3 25 | — | 15.3% | ||
| Q2 25 | — | 8.8% | ||
| Q1 25 | — | 20.6% | ||
| Q4 24 | — | -32.4% | ||
| Q3 24 | — | 18.1% | ||
| Q2 24 | — | 13.1% | ||
| Q1 24 | — | 22.1% |
| Q4 25 | 14.1% | -186.6% | ||
| Q3 25 | 17.0% | -42.4% | ||
| Q2 25 | 10.3% | -38.5% | ||
| Q1 25 | 0.7% | -157.7% | ||
| Q4 24 | 0.3% | -127.0% | ||
| Q3 24 | -1.0% | -61.4% | ||
| Q2 24 | -58.7% | -73.2% | ||
| Q1 24 | -7.9% | -81.1% |
| Q4 25 | 10.7% | -186.8% | ||
| Q3 25 | 12.9% | 12.9% | ||
| Q2 25 | 7.6% | -40.8% | ||
| Q1 25 | 0.3% | -173.3% | ||
| Q4 24 | 0.6% | -165.4% | ||
| Q3 24 | -0.7% | -66.6% | ||
| Q2 24 | -56.7% | -62.2% | ||
| Q1 24 | -5.8% | -87.1% |
| Q4 25 | $0.04 | $-0.76 | ||
| Q3 25 | $0.04 | $0.22 | ||
| Q2 25 | $0.02 | $-0.91 | ||
| Q1 25 | $0.00 | $-1.26 | ||
| Q4 24 | $0.00 | $-2.34 | ||
| Q3 24 | $0.00 | $-1.32 | ||
| Q2 24 | $-0.13 | $-1.23 | ||
| Q1 24 | $-0.01 | $-1.80 |
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 | $14.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $49.1M | $23.3M |
| Total Assets | $375.3M | $60.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $19.7M | $14.0M | ||
| Q3 25 | $14.6M | $14.1M | ||
| Q2 25 | $19.5M | $8.8M | ||
| Q1 25 | $27.8M | $4.8M | ||
| Q4 24 | $21.0M | $11.0M | ||
| Q3 24 | $17.3M | $8.4M | ||
| Q2 24 | $18.3M | $19.7M | ||
| Q1 24 | $15.4M | $46.2M |
| Q4 25 | $49.1M | $23.3M | ||
| Q3 25 | $48.8M | $31.1M | ||
| Q2 25 | $48.4M | $18.3M | ||
| Q1 25 | $48.2M | $24.8M | ||
| Q4 24 | $48.1M | $33.6M | ||
| Q3 24 | $48.2M | $50.8M | ||
| Q2 24 | $48.0M | $59.2M | ||
| Q1 24 | $49.0M | $67.8M |
| Q4 25 | $375.3M | $60.4M | ||
| Q3 25 | $366.5M | $73.8M | ||
| Q2 25 | $371.2M | $80.3M | ||
| Q1 25 | $380.7M | $87.7M | ||
| Q4 24 | $374.2M | $98.3M | ||
| Q3 24 | $375.6M | $120.5M | ||
| Q2 24 | $375.0M | $123.4M | ||
| Q1 24 | $369.1M | $135.0M |
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 | $2.4M |
| Free Cash FlowOCF − Capex | $-367.0K | — |
| FCF MarginFCF / Revenue | -12.9% | — |
| Capex IntensityCapex / Revenue | 2.3% | 0.0% |
| Cash ConversionOCF / Net Profit | -1.00× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-377.0K | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-303.0K | $2.4M | ||
| Q3 25 | $450.0K | $3.1M | ||
| Q2 25 | $-86.0K | $4.6M | ||
| Q1 25 | $-155.0K | $-4.8M | ||
| Q4 24 | $1.4M | $3.3M | ||
| Q3 24 | $-1.4M | $-11.5M | ||
| Q2 24 | $-1.5M | $-26.0M | ||
| Q1 24 | $-176.0K | $-14.6M |
| Q4 25 | $-367.0K | — | ||
| Q3 25 | $445.0K | — | ||
| Q2 25 | $-235.0K | — | ||
| Q1 25 | $-220.0K | — | ||
| Q4 24 | $1.4M | — | ||
| Q3 24 | $-1.4M | $-11.7M | ||
| Q2 24 | $-1.5M | $-26.1M | ||
| Q1 24 | $-191.0K | $-14.6M |
| Q4 25 | -12.9% | — | ||
| Q3 25 | 16.7% | — | ||
| Q2 25 | -9.7% | — | ||
| Q1 25 | -9.9% | — | ||
| Q4 24 | 61.8% | — | ||
| Q3 24 | -70.2% | -73.9% | ||
| Q2 24 | -77.7% | -168.1% | ||
| Q1 24 | -10.4% | -115.7% |
| Q4 25 | 2.3% | 0.0% | ||
| Q3 25 | 0.2% | 0.0% | ||
| Q2 25 | 6.2% | 0.0% | ||
| Q1 25 | 2.9% | 0.0% | ||
| Q4 24 | 3.7% | 0.0% | ||
| Q3 24 | 0.1% | 0.9% | ||
| Q2 24 | 3.4% | 0.8% | ||
| Q1 24 | 0.8% | 0.2% |
| Q4 25 | -1.00× | — | ||
| Q3 25 | 1.31× | 1.45× | ||
| 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.
