Financial Statements — KFFB
Balance Sheet
(in millions USD)| Metric | Q3
2026 | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 |
|---|
| Cash & Equivalents | 21.30 | 19.67 | 14.63 | 27.75 | 20.98 | 17.27 | 15.42 | 14.58 | 12.59 | 8.09 | 7.65 | 8.64 | 46.06 | 45.29 | 25.93 | 14.77 | 14.73 |
| Total Assets | 374.54 | 375.28 | 366.49 | 380.74 | 374.21 | 375.65 | 369.10 | 366.25 | 356.78 | 342.91 | 335.38 | 330.92 | 333.90 | 339.57 | 336.91 | 332.63 | 330.68 |
| Total Deposits | 273.69 | 273.19 | 271.42 | 277.39 | 263.06 | 254.92 | 246.10 | 244.63 | 252.36 | 209.39 | 209.38 | 226.29 | 238.64 | 236.84 | 231.49 | 225.54 | 216.30 |
| Total Liabilities | 324.88 | 326.18 | 317.71 | 332.59 | 326.15 | 327.43 | 320.09 | 317.06 | 307.14 | 291.77 | 283.74 | 279.29 | 281.25 | 286.91 | 284.36 | 280.74 | 278.85 |
| Retained Earnings | 18.74 | 18.15 | 17.85 | 17.33 | 17.32 | 17.31 | 18.40 | 18.51 | 19.21 | 20.43 | 20.62 | 20.59 | 20.70 | 20.72 | 20.58 | 20.02 | 19.90 |
| Total Stockholder Equity | 49.66 | 49.10 | 48.78 | 48.15 | 48.06 | 48.22 | 49.01 | 49.18 | 49.65 | 51.14 | 51.64 | 51.63 | 52.65 | 52.66 | 52.55 | 51.89 | 51.83 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q3
2026 | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 |
|---|
| Interest & Dividend Income | -- | -- | -- | -- | -- | -- | -- | -- | 4.17 | 3.93 | -- | -- | -- | -- | -- | 2.60 | 2.56 | 2.78 | 2.97 | 3.18 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | 2.41 | 2.27 | 2.06 | 1.60 | 1.17 | 0.68 | 0.45 | 0.41 | 0.42 | 0.45 | 0.47 | 0.48 |
| Net Interest Income* | 2.87 | 2.66 | 2.50 | 2.30 | 2.13 | 2.04 | 1.87 | 1.90 | 1.77 | 1.66 | 1.67 | -- | 2.05 | 2.45 | 2.43 | 2.18 | 2.14 | 2.33 | 2.51 | 2.70 |
| Provision for Credit Losses | 0.04 | 0.01 | 0.02 | 0.00 | 0.02 | 0.02 | -- | -- | -- | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.11 | 0.05 | (0.11) | -- | -- | 0.00 |
| Non-interest Income | 0.14 | 0.18 | 0.15 | 0.11 | 0.08 | 0.17 | 0.14 | 0.05 | 0.08 | 0.05 | 0.07 | 0.07 | 0.07 | 0.07 | 0.10 | 0.09 | 0.09 | 0.10 | 0.23 | 0.16 |
| Non-interest Expense | 2.21 | 2.42 | 2.20 | 2.17 | 2.18 | 2.20 | 2.01 | 3.03 | 2.02 | 2.15 | 1.98 | 1.94 | 1.92 | 2.03 | 1.93 | 1.92 | 1.87 | 1.89 | 1.98 | 2.11 |
| Pretax Income | 0.76 | 0.40 | 0.45 | 0.24 | 0.02 | 0.01 | (0.02) | (1.12) | (0.14) | (0.45) | (0.24) | 0.05 | 0.20 | 0.49 | 0.49 | 0.31 | 0.47 | 0.54 | 0.75 | 0.75 |
| Tax Provision | 0.17 | 0.10 | 0.11 | 0.06 | 0.01 | (0.01) | (0.01) | (0.04) | (0.04) | (0.09) | (0.07) | 0.01 | 0.05 | 0.11 | 0.12 | 0.10 | 0.13 | 0.06 | 0.18 | 0.06 |
| Net Income | 0.58 | 0.30 | 0.34 | 0.18 | 0.01 | 0.01 | (0.01) | (1.08) | (0.11) | (0.36) | (0.17) | 0.04 | 0.14 | 0.37 | 0.37 | 0.21 | 0.33 | 0.48 | 0.57 | 0.69 |
| Basic EPS | 0.07 | 0.04 | 0.04 | 0.02 | 0.00 | 0.00 | 0.00 | (0.13) | (0.01) | (0.05) | (0.02) | 0.00 | 0.02 | 0.04 | 0.05 | 0.02 | 0.04 | -- | -- | -- |
| Diluted EPS | 0.07 | 0.04 | 0.04 | 0.02 | 0.00 | 0.00 | 0.00 | (0.13) | (0.01) | (0.05) | (0.02) | 0.00 | 0.02 | 0.04 | 0.05 | 0.02 | -- | -- | -- | -- |
* Derived from reported values
Cash Flow Statement
(in millions USD)| Metric | Q3
2026 | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 |
|---|
| Operating Cash Flow | 0.89 | (0.30) | 0.45 | 0.03 | (0.15) | 1.45 | (1.41) | (0.19) | (0.18) | (0.52) | (0.57) | 0.15 | 0.20 | 0.37 | 0.44 | 1.50 | (0.28) | (0.70) | 2.13 | 0.32 |
| Capital Expenditures | 0.06 | 0.06 | 0.01 | 0.00 | 0.07 | 0.08 | 0.00 | 0.01 | 0.02 | 0.02 | 0.02 | -- | 0.01 | 0.05 | 0.07 | -- | 0.05 | 0.03 | 0.05 | 0.03 |
| Free Cash Flow* | 0.82 | (0.37) | 0.45 | 0.03 | (0.22) | 1.37 | (1.41) | (0.19) | (0.19) | (0.55) | (0.59) | -- | 0.19 | 0.32 | 0.37 | -- | (0.33) | (0.73) | 2.07 | 0.29 |
| Investing Cash Flow | 2.42 | (3.16) | (0.50) | 1.87 | 0.62 | 3.42 | 0.21 | (3.89) | (2.11) | (7.06) | (3.54) | (6.06) | (7.05) | (5.64) | (20.73) | (15.64) | 7.35 | 17.37 | 4.26 | 1.65 |
| Financing Cash Flow | (1.68) | 8.51 | (4.80) | (10.17) | 6.31 | (1.16) | 0.18 | 6.94 | 3.13 | 9.58 | 8.53 | 5.99 | 7.28 | 4.29 | 3.11 | (6.09) | (6.30) | 2.69 | (2.10) | 4.91 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q3
2026 | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 | Q4
2020 | Q3
2020 |
|---|
| Dividends Per Share | 0.00 | 0.00 | 0.00 | 0.00 | 0.20 | 0.00 | 0.00 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 |
