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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 1.13
BKYF's Cash to Debt is ranked higher than
75% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. BKYF: 1.13 )
BKYF' s 10-Year Cash to Debt Range
Min: 0.52   Max: 1.86
Current: 1.13

0.52
1.86
Equity to Asset 0.10
BKYF's Equity to Asset is ranked higher than
74% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BKYF: 0.10 )
BKYF' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.1
Current: 0.1

0.08
0.1
Interest Coverage 5.71
BKYF's Interest Coverage is ranked higher than
91% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. BKYF: 5.71 )
BKYF' s 10-Year Interest Coverage Range
Min: 0.33   Max: 5.97
Current: 5.71

0.33
5.97
F-Score: 3
Z-Score: 0.34
WACC vs ROIC
7.14%
9.33%
WACC
ROIC
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 : 5/10

vs
industry
vs
history
Operating margin (%) 32.90
BKYF's Operating margin (%) is ranked higher than
80% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. BKYF: 32.90 )
BKYF' s 10-Year Operating margin (%) Range
Min: -320.91   Max: 45.83
Current: 32.9

-320.91
45.83
Net-margin (%) 23.18
BKYF's Net-margin (%) is ranked higher than
78% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.03 vs. BKYF: 23.18 )
BKYF' s 10-Year Net-margin (%) Range
Min: 14.27   Max: 181.58
Current: 23.18

14.27
181.58
ROE (%) 9.58
BKYF's ROE (%) is ranked higher than
80% of the 2051 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. BKYF: 9.58 )
BKYF' s 10-Year ROE (%) Range
Min: 7.22   Max: 19.44
Current: 9.58

7.22
19.44
ROA (%) 0.98
BKYF's ROA (%) is ranked higher than
82% of the 2054 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. BKYF: 0.98 )
BKYF' s 10-Year ROA (%) Range
Min: 0.62   Max: 1.7
Current: 0.98

0.62
1.7
ROC (Joel Greenblatt) (%) 112.81
BKYF's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. BKYF: 112.81 )
BKYF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -201.97   Max: 180.97
Current: 112.81

-201.97
180.97
Revenue Growth (3Y)(%) 0.60
BKYF's Revenue Growth (3Y)(%) is ranked higher than
70% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. BKYF: 0.60 )
BKYF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6.2   Max: 145.1
Current: 0.6

-6.2
145.1
EBITDA Growth (3Y)(%) 3.20
BKYF's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. BKYF: 3.20 )
BKYF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -2.5   Max: 32.7
Current: 3.2

-2.5
32.7
EPS Growth (3Y)(%) -100.00
BKYF's EPS Growth (3Y)(%) is ranked higher than
68% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. BKYF: -100.00 )
BKYF' s 10-Year EPS Growth (3Y)(%) Range
Min: -100   Max: 31.6
Current: -100

-100
31.6
» BKYF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

BKYF Guru Trades in Q1 2014

Jim Simons Sold Out
Chuck Royce 138,294 sh (-0.55%)
» More
Q2 2014

BKYF Guru Trades in Q2 2014

Chuck Royce 430,909 sh (+211.59%)
» More
Q3 2014

BKYF Guru Trades in Q3 2014

Jim Simons 15,600 sh (New)
Mario Gabelli 30,300 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
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.00
BKYF's P/E(ttm) is ranked higher than
68% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. BKYF: 20.00 )
BKYF' s 10-Year P/E(ttm) Range
Min: 7.48   Max: 21.56
Current: 20

7.48
21.56
Forward P/E 19.34
BKYF's Forward P/E is ranked higher than
66% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.08 vs. BKYF: 19.34 )
N/A
PE(NRI) 20.90
BKYF's PE(NRI) is ranked higher than
71% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. BKYF: 20.90 )
BKYF' s 10-Year PE(NRI) Range
Min: 7.48   Max: 21.58
Current: 20.9

7.48
21.58
P/B 1.90
BKYF's P/B is ranked higher than
59% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. BKYF: 1.90 )
BKYF' s 10-Year P/B Range
Min: 0.75   Max: 2.52
Current: 1.9

0.75
2.52
P/S 4.70
BKYF's P/S is ranked higher than
53% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.71 vs. BKYF: 4.70 )
BKYF' s 10-Year P/S Range
Min: 1.23   Max: 4.9
Current: 4.7

1.23
4.9
PFCF 14.10
BKYF's PFCF is ranked higher than
80% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BKYF: 14.10 )
BKYF' s 10-Year PFCF Range
Min: 3.17   Max: 30
Current: 14.1

3.17
30
POCF 13.60
BKYF's POCF is ranked higher than
79% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 48.59 vs. BKYF: 13.60 )
BKYF' s 10-Year POCF Range
Min: 3.11   Max: 61.3
Current: 13.6

3.11
61.3
EV-to-EBIT 14.42
BKYF's EV-to-EBIT is ranked higher than
79% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.66 vs. BKYF: 14.42 )
BKYF' s 10-Year EV-to-EBIT Range
Min: 4.9   Max: 16.6
Current: 14.42

4.9
16.6
PEG 2.75
BKYF's PEG is ranked higher than
87% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BKYF: 2.75 )
BKYF' s 10-Year PEG Range
Min: 0.35   Max: 76.33
Current: 2.75

0.35
76.33
Shiller P/E 21.80
BKYF's Shiller P/E is ranked higher than
80% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BKYF: 21.80 )
BKYF' s 10-Year Shiller P/E Range
Min: 8.03   Max: 22.5
Current: 21.8

8.03
22.5
Days Sales Outstanding 153.74
BKYF's Days Sales Outstanding is ranked higher than
78% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BKYF: 153.74 )
BKYF' s 10-Year Days Sales Outstanding Range
Min: 67.05   Max: 380.93
Current: 153.74

67.05
380.93

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.50
BKYF's Dividend Yield is ranked lower than
70% of the 1923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.36 vs. BKYF: 1.50 )
BKYF' s 10-Year Dividend Yield Range
Min: 0.68   Max: 3.81
Current: 1.5

0.68
3.81
Dividend Payout 0.38
BKYF's Dividend Payout is ranked higher than
73% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. BKYF: 0.38 )
BKYF' s 10-Year Dividend Payout Range
Min: 0.04   Max: 0.46
Current: 0.38

0.04
0.46
Dividend growth (3y) -100.00
BKYF's Dividend growth (3y) is ranked higher than
88% of the 1175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. BKYF: -100.00 )
BKYF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 48.1
Current: -100

0
48.1
Yield on cost (5-Year) 1.50
BKYF's Yield on cost (5-Year) is ranked lower than
68% of the 1933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. BKYF: 1.50 )
BKYF' s 10-Year Yield on cost (5-Year) Range
Min: 0.68   Max: 3.81
Current: 1.5

0.68
3.81
Share Buyback Rate 100.00
BKYF's Share Buyback Rate is ranked higher than
75% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.20 vs. BKYF: 100.00 )
BKYF' s 10-Year Share Buyback Rate Range
Min: 100   Max: -10.1
Current: 100

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
BKYF's Price/Tangible Book is ranked higher than
63% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. BKYF: 2.10 )
BKYF' s 10-Year Price/Tangible Book Range
Min: 1.02   Max: 4.63
Current: 2.1

1.02
4.63
Price/DCF (Projected) 0.90
BKYF's Price/DCF (Projected) is ranked higher than
81% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BKYF: 0.90 )
BKYF' s 10-Year Price/DCF (Projected) Range
Min: 0.47   Max: 0.85
Current: 0.9

0.47
0.85
Price/Median PS Value 1.80
BKYF's Price/Median PS Value is ranked higher than
62% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. BKYF: 1.80 )
BKYF' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 3.22
Current: 1.8

0.57
3.22
Price/Peter Lynch Fair Value 1.70
BKYF's Price/Peter Lynch Fair Value is ranked higher than
90% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BKYF: 1.70 )
BKYF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.62   Max: 2.56
Current: 1.7

0.62
2.56
Price/Graham Number 1.40
BKYF's Price/Graham Number is ranked higher than
68% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. BKYF: 1.40 )
BKYF' s 10-Year Price/Graham Number Range
Min: 0.67   Max: 2.42
Current: 1.4

0.67
2.42
Earnings Yield (Greenblatt) 6.90
BKYF's Earnings Yield (Greenblatt) is ranked higher than
73% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. BKYF: 6.90 )
BKYF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6   Max: 20.4
Current: 6.9

6
20.4
Forward Rate of Return (Yacktman) 20.15
BKYF's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 1318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. BKYF: 20.15 )
BKYF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.8   Max: 49.8
Current: 20.15

5.8
49.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 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 under the Bank Holding Company Act of 1956, as amended.
» More Articles for BKYF

Headlines

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The 5 Best Yielding Ex-Dividend Stocks on July 10, 2013 Jul 09 2013 
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The Bank of Kentucky Financial Corp. Reports Operating Results (10-K) Mar 11 2011 
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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 
June 10, 2010 52-Week Wrap-Up: Alliant Techsystems Inc., Allied Defense Group, Bank of Kentucky Fina Jun 11 2010 

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