KFFB vs LC

Kentucky First Federal Bancorp vs LendingClub Corporation — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — KFFB scores higher on quality with 8.1/10 vs LC's 7.3/10. KFFB trades at $4.89 while LC trades at $17.50. Both analyzed daily using SEC EDGAR data across 13 institutional models.

KFFB

Banks - Regional
Kentucky First Federal Bancorp
Quality
8.1
out of 10
Value Trap
27
LOW
Price
$4.89
Last close
Models
12/13
Active
VS

LC

Banks - Regional
LendingClub Corporation
Quality
7.3
out of 10
Value Trap
Price
$17.50
Last close
Models
11/13
Active
KFFB
Earnings Power Value sees +10.1% upside
Limited to 2/13 visible models
LC
Earnings Power Value sees +11.9% upside
Limited to 2/13 visible models

KFFB vs LC — Fair Value Comparison

KFFB
$0$2$4$6 Price$4.89 Bayesian …$4.44 (-9.1%) Earnings …$5.38 (+10.1%)
LC
$0$8$15$23 Price$17.50 Bayesian …$11.53 (-34.1%) Earnings …$19.58 (+11.9%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType KFFB Fair ValueKFFB Upside LC Fair ValueLC Upside
Bayesian DCF Intrinsic $4.44 -9.1% $11.53 -34.1%
Earnings Power Value Intrinsic $5.38 +10.1% $19.58 +11.9%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Dynamic NAV Asset-Based $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

KFFB vs LC — Which Stock Is More Undervalued in 2026?

KFFB scores higher with a 8.1/10 quality rating vs LC's 7.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do KFFB and LC Valuations Compare?

At $4.89, KFFB trades +9.1% above its Bayesian DCF fair value of $4.44, while LC at $17.50 trades +34.1% above its estimate of $11.53. LC shows a wider gap between price and intrinsic value.

Quality of Company: KFFB vs LC

KFFB earns a Quality of Company score of 8.1/10 compared to LC's 7.3/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: KFFB vs LC

Review the value trap analysis for both KFFB and LC to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Banks - Regional

Both KFFB and LC operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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