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26.01 (1y: +7%)
Market Cap 194.71 M P/E(ttm) 11.10
Enterprise Value 271.73 M P/B 1.14
BKYF- NAS (USA)
Bank of Kentucky Financial Corporation
  • Currently 3/5
Business Predictability Rank: 3-Star
Back Testing Results:
Average gain of all 3-Star stocks: 8.2% per year.
% of Stocks that are in still loss if held for 10yrs: 11%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$26.01
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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 : 6/10

vs
industry		 vs
history
Cash to Debt 1.109
BKYF's Cash to Debt is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. BKYF: 1.109 )
BKYF' s 10-Year Cash to Debt Range
Min: 0.52   Max: 1.11
Current: 1.11
0.52
1.11
Equity to Asset 0.079
BKYF's Equity to Asset is ranked lower than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BKYF: 0.079 )
BKYF' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.08
0.06
0.1
Interest Coverage No Debt
BKYF's Interest Coverage is ranked lower than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. BKYF: No Debt )
BKYF' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.36
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 : 7/10

vs
industry		 vs
history
Operating margin (%) 32.10
BKYF's Operating margin (%) is ranked higher than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. BKYF: 32.10 )
BKYF' s 10-Year Operating margin (%) Range
Min: 19.4   Max: 45.8
Current: 32.1
19.4
45.8
Net-margin (%) 23.1
BKYF's Net-margin (%) is ranked higher than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. BKYF: 23.1 )
BKYF' s 10-Year Net-margin (%) Range
Min: 14.3   Max: 33
Current: 23.1
14.3
33
ROE (%) 10.6
BKYF's ROE (%) is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. BKYF: 10.6 )
BKYF' s 10-Year ROE (%) Range
Min: 6.2   Max: 16.3
Current: 10.6
6.2
16.3
ROA (%) 1
BKYF's ROA (%) is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BKYF: 1 )
BKYF' s 10-Year ROA (%) Range
Min: 0.6   Max: 1.5
Current: 1
0.6
1.5
Revenue Growth (%) -1
BKYF's Revenue Growth (%) is ranked higher than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. BKYF: -1 )
BKYF' s 10-Year Revenue Growth (%) Range
Min: -1   Max: 16.2
Current: -1
-1
16.2
EBITDA Growth (%) 9.1
BKYF's EBITDA Growth (%) is ranked lower than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. BKYF: 9.1 )
BKYF' s 10-Year EBITDA Growth (%) Range
Min: -1.8   Max: 23.6
Current: 9.1
-1.8
23.6
EPS Growth (%) 18.3
BKYF's EPS Growth (%) is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. BKYF: 18.3 )
BKYF' s 10-Year EPS Growth (%) Range
Min: -8.8   Max: 22.9
Current: 18.3
-8.8
22.9
» BKYF's 10-Y Financials

Financials


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

» Details

Guru Trades
Q4 2011

BKYF Guru Trades in Q4 2011

Jim Simons Sold Out
» More
Q1 2012

BKYF Guru Trades in Q1 2012

Jim Simons 8,600 sh (New)
» More
Q2 2012

BKYF Guru Trades in Q2 2012

Jim Simons 8,200 sh (-4.65%)
» More
Q3 2012

BKYF Guru Trades in Q3 2012

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with BKYF



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 11.10
BKYF's P/E(ttm) is ranked higher than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. BKYF: 11.10 )
BKYF' s 10-Year P/E(ttm) Range
Min: 7.48   Max: 30.88
Current: 11.1
7.48
30.88
P/B 1.14
BKYF's P/B is ranked lower than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BKYF: 1.14 )
BKYF' s 10-Year P/B Range
Min: 0.57   Max: 3.19
Current: 1.14
0.57
3.19
P/S 2.50
BKYF's P/S is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. BKYF: 2.50 )
BKYF' s 10-Year P/S Range
Min: 1.23   Max: 6.46
Current: 2.5
1.23
6.46
PFCF 7.61
BKYF's PFCF is ranked lower than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. BKYF: 7.61 )
BKYF' s 10-Year PFCF Range
Min: 3.17   Max: 76.32
Current: 7.61
3.17
76.32
EV-to-EBIT 11.03
BKYF's EV-to-EBIT is ranked higher than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. BKYF: 11.03 )
BKYF' s 10-Year EV-to-EBIT Range
Min: 4.9   Max: 22.4
Current: 11.03
4.9
22.4
PEG 2.58
BKYF's PEG is ranked lower than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. BKYF: 2.58 )
BKYF' s 10-Year PEG Range
Min: 0.77   Max: 59.32
Current: 2.58
0.77
59.32
Shiller P/E 12.85
BKYF's Shiller P/E is ranked higher than
77% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. BKYF: 12.85 )
BKYF' s 10-Year Shiller P/E Range
Min: 8.03   Max: 17.61
Current: 12.85
8.03
17.61

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.54
BKYF's Dividend Yield is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. BKYF: 2.54 )
BKYF' s 10-Year Dividend Yield Range
Min: 0.23   Max: 3.81
Current: 2.54
0.23
3.81
Dividend Payout 0.3
BKYF's Dividend Payout is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. BKYF: 0.3 )
BKYF' s 10-Year Dividend Payout Range
Min: 0.05   Max: 0.36
Current: 0.3
0.05
0.36
Dividend growth (3y) 2.6
BKYF's Dividend growth (3y) is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. BKYF: 2.6 )
BKYF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 34.3
Current: 2.6
0
34.3
Yield on cost (5-Year) 2.87
BKYF's Yield on cost (5-Year) is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. BKYF: 2.87 )
BKYF' s 10-Year Yield on cost (5-Year) Range
Min: 0.26   Max: 4.37
Current: 2.87
0.26
4.37
Share Buyback Rate -7.5
BKYF's Share Buyback Rate is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. BKYF: -7.5 )
BKYF' s 10-Year Share Buyback Rate Range
Min: 1.4   Max: -7.5
Current: -7.5

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.4
BKYF's Price/Tangible Book is ranked higher than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BKYF: 1.4 )
BKYF' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 3.9
Current: 1.4
0.8
3.9
Price/DCF (Projected) 0.6
BKYF's Price/DCF (Projected) is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. BKYF: 0.6 )
BKYF' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.8
Current: 0.6
0.4
0.8
Price/Median PS Value 0.7
BKYF's Price/Median PS Value is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BKYF: 0.7 )
BKYF' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.9
Current: 0.7
0.5
1.9
Price/Graham Number 0.8
BKYF's Price/Graham Number is ranked higher than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BKYF: 0.8 )
BKYF' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.9
Current: 0.8
0.6
1.9
Earnings Yield (Greenblatt) 9.10
BKYF's Earnings Yield (Greenblatt) is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. BKYF: 9.10 )
BKYF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.5   Max: 20.4
Current: 9.1
4.5
20.4
Forward Rate of Return (Yacktman) 13.11
BKYF's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. BKYF: 13.11 )
BKYF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 9.5   Max: 25.5
Current: 13.11
9.5
25.5

Business Description

Bank of Kentucky Financial Corporation was incorporated as a Kentucky corporation in 1993. It is a bank holding company that provides financial services through its subsidiary, The Bank of Kentucky, Inc. The Bank provides financial service and other financial solutions through 32 offices located in northern Kentucky, which includes Boone, Kenton and Campbell counties and parts of Grant and Gallatin counties in northern Kentucky and also greater Cincinnati, Ohio. The main products produced and services rendered by the Bank are as follows: Commercial Banking; Consumer Banking; and Trust Services. The Bank provides a full range of 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 a wide range of 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 etc. 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 major retailers, investment brokerage and financial advisory firms and mutual fund companies. There is significant 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 (FRB) under the Bank Holding Company Act of 1956, as amended (BHCA).
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
» More Articles for BKYF

Headlines

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The Bank of Kentucky Financial Corp. Reports Operating Results (10-K) Mar 11 2011 
Weekly CEO Buys Highlight: DELL, TRC, CPT, BKYF, HBAN Dec 26 2010 
The Bank of Kentucky Financial Corp. (BKYF) CEO Robert W Zapp buys 6,592 Shares Dec 22 2010 
The Bank of Kentucky Financial Corp. (BKYF) CEO Robert W Zapp buys 6,408 Shares Dec 21 2010 
The Bank of Kentucky Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
The Bank of Kentucky Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 

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