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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

Interest Coverage 5.40
BKYF's Interest Coverage is ranked lower than
99.99% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BKYF: 5.40 )
Ranked among companies with meaningful Interest Coverage only.
BKYF' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 5.4
Current: 5.4
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

» BKYF's 10-Y Financials

Financials (Next Earnings Date: 0)

Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q3 2014

BKYF Guru Trades in Q3 2014

Mario Gabelli 30,300 sh (New)
Jim Simons 15,600 sh (New)
Chuck Royce 42,465 sh (-90.15%)
» More
Q4 2014

BKYF Guru Trades in Q4 2014

Jim Simons 42,100 sh (+169.87%)
Mario Gabelli 42,300 sh (+39.60%)
Chuck Royce Sold Out
» More
Q1 2015

BKYF Guru Trades in Q1 2015

Jim Simons 45,100 sh (+7.13%)
Mario Gabelli 43,300 sh (+2.36%)
» More
Q2 2015

BKYF Guru Trades in Q2 2015

Jim Simons Sold Out
Mario Gabelli Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with BKYF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US

Bank of Kentucky Financial Corp was incorporated as a Kentucky corporation in 1993. It is a bank holding company that provides financial services and other financial solutions through 32 offices located in northern Kentucky, which includes Boone, Kenton and Campbell counties and parts of Grant, Pendleton and Gallatin counties in northern Kentucky and Hamilton county in Ohio. The main products produced and services rendered by the Bank are as follows: Commercial Banking; Consumer Banking; and Trust Services. The Bank provides commercial banking services to corporations and other business clients. Loans are provided for a variety of general corporate purposes, including financing for commercial and industrial projects, income producing commercial real estate, owner-occupied real estate and construction and land development. The Bank also provides deposit services, including checking, lockbox services and other treasury management services. The Bank provides banking services to consumers, including checking, savings and money market accounts as well as certificates of deposits and individual retirement accounts. The Bank also provides consumers with electronic banking products like internet banking, debit cards and 56 ATMs. In addition, the Bank provides consumer clients with installment and real estate loans and home equity lines of credit. The Bank offers specialized services and expertise in the areas of wealth management and trust. These services include the administration of personal trusts and estates as well as the management of investment accounts for individuals. It has numerous local, regional and national nonbank competitors, including savings and loan associations, credit unions, mortgage companies, insurance companies, finance companies, financial service operations of retailers, investment brokerage and financial advisory firms and mutual fund companies. There is competition within the banking and financial services industry in northern Kentucky, which is the primary market in which the Bank operates. The Company is a bank holding company subject to regulation by the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended.



Dividend & Buy Back

Dividend Yield 1.41
BKYF's Dividend Yield is ranked lower than
81% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. BKYF: 1.41 )
Ranked among companies with meaningful Dividend Yield only.
BKYF' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.41
Current: 1.41
Dividend Payout 0.31
BKYF's Dividend Payout is ranked higher than
55% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. BKYF: 0.31 )
Ranked among companies with meaningful Dividend Payout only.
BKYF' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.31
Current: 0.31
Yield on cost (5-Year) 1.41
BKYF's Yield on cost (5-Year) is ranked lower than
83% of the 2523 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.51 vs. BKYF: 1.41 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BKYF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.41
Current: 1.41

Valuation & Return


More Statistics

Revenue (TTM) (Mil) $78.38
EPS (TTM) $ 2.31
Short Percentage of Float1.43%
52-Week Range $34.07 - 51.52
Shares Outstanding (Mil)7.74

Analyst Estimate

Dec15 Dec16
Revenue (Mil $)
EPS ($) 2.59 2.69
EPS w/o NRI ($) 2.59 2.69
EPS Growth Rate
(3Y to 5Y Estimate)
Dividends Per Share ($) 0.72

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