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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 : 7/10

vs
industry
vs
history
Cash to Debt 1.91
BKYF's Cash to Debt is ranked higher than
55% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. BKYF: 1.91 )
Ranked among companies with meaningful Cash to Debt only.
BKYF' s 10-Year Cash to Debt Range
Min: 0.31  Med: 0.97 Max: N/A
Current: 1.91
Equity to Asset 0.11
BKYF's Equity to Asset is ranked higher than
63% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BKYF: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
BKYF' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.11
0.08
0.11
Interest Coverage 5.71
BKYF's Interest Coverage is ranked higher than
83% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. BKYF: 5.71 )
Ranked among companies with meaningful Interest Coverage only.
BKYF' s 10-Year Interest Coverage Range
Min: 0.33  Med: 0.92 Max: 5.97
Current: 5.71
0.33
5.97
F-Score: 3
WACC vs ROIC
2.61%
9.43%
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 (%) 32.34
BKYF's Operating margin (%) is ranked higher than
56% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. BKYF: 32.34 )
Ranked among companies with meaningful Operating margin (%) only.
BKYF' s 10-Year Operating margin (%) Range
Min: -320.91  Med: 32.53 Max: 45.83
Current: 32.34
-320.91
45.83
Net-margin (%) 22.72
BKYF's Net-margin (%) is ranked higher than
53% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. BKYF: 22.72 )
Ranked among companies with meaningful Net-margin (%) only.
BKYF' s 10-Year Net-margin (%) Range
Min: 14.27  Med: 23.73 Max: 181.58
Current: 22.72
14.27
181.58
ROE (%) 9.08
BKYF's ROE (%) is ranked higher than
54% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. BKYF: 9.08 )
Ranked among companies with meaningful ROE (%) only.
BKYF' s 10-Year ROE (%) Range
Min: 5.74  Med: 12.34 Max: 19.44
Current: 9.08
5.74
19.44
ROA (%) 0.95
BKYF's ROA (%) is ranked higher than
56% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. BKYF: 0.95 )
Ranked among companies with meaningful ROA (%) only.
BKYF' s 10-Year ROA (%) Range
Min: 0.62  Med: 1.04 Max: 1.7
Current: 0.95
0.62
1.7
Revenue Growth (3Y)(%) 0.10
BKYF's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. BKYF: 0.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BKYF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6.2  Med: 12.10 Max: 145.1
Current: 0.1
-6.2
145.1
EBITDA Growth (3Y)(%) 2.80
BKYF's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. BKYF: 2.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BKYF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -2.5  Med: 6.40 Max: 32.7
Current: 2.8
-2.5
32.7
EPS Growth (3Y)(%) 2.50
BKYF's EPS Growth (3Y)(%) is ranked lower than
68% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. BKYF: 2.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BKYF' s 10-Year EPS Growth (3Y)(%) Range
Min: -11.6  Med: 6.40 Max: 31.6
Current: 2.5
-11.6
31.6
» BKYF's 10-Y Financials

Financials


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

» 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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Ratios

vs
industry
vs
history
P/E(ttm) 22.10
BKYF's P/E(ttm) is ranked lower than
83% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. BKYF: 22.10 )
Ranked among companies with meaningful P/E(ttm) only.
BKYF' s 10-Year P/E(ttm) Range
Min: 7.48  Med: 13.35 Max: 22.12
Current: 22.1
7.48
22.12
Forward P/E 18.45
BKYF's Forward P/E is ranked lower than
92% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. BKYF: 18.45 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.20
BKYF's PE(NRI) is ranked lower than
83% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. BKYF: 22.20 )
Ranked among companies with meaningful PE(NRI) only.
BKYF' s 10-Year PE(NRI) Range
Min: 7.48  Med: 13.35 Max: 22.17
Current: 22.2
7.48
22.17
P/B 1.92
BKYF's P/B is ranked lower than
90% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. BKYF: 1.92 )
Ranked among companies with meaningful P/B only.
BKYF' s 10-Year P/B Range
Min: 0.75  Med: 1.36 Max: 2.24
Current: 1.92
0.75
2.24
P/S 5.03
BKYF's P/S is ranked lower than
83% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. BKYF: 5.03 )
Ranked among companies with meaningful P/S only.
BKYF' s 10-Year P/S Range
Min: 1.23  Med: 2.68 Max: 5.03
Current: 5.03
1.23
5.03
PFCF 13.71
BKYF's PFCF is ranked lower than
65% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. BKYF: 13.71 )
Ranked among companies with meaningful PFCF only.
BKYF' s 10-Year PFCF Range
Min: 3.17  Med: 11.28 Max: 30
Current: 13.71
3.17
30
POCF 13.24
BKYF's POCF is ranked lower than
71% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. BKYF: 13.24 )
Ranked among companies with meaningful POCF only.
BKYF' s 10-Year POCF Range
Min: 3.11  Med: 8.99 Max: 61.3
Current: 13.24
3.11
61.3
EV-to-EBIT 12.74
BKYF's EV-to-EBIT is ranked higher than
54% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. BKYF: 12.74 )
Ranked among companies with meaningful EV-to-EBIT only.
BKYF' s 10-Year EV-to-EBIT Range
Min: 4.9  Med: 9.40 Max: 16.6
Current: 12.74
4.9
16.6
PEG 3.00
BKYF's PEG is ranked lower than
83% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BKYF: 3.00 )
Ranked among companies with meaningful PEG only.
BKYF' s 10-Year PEG Range
Min: 0.35  Med: 2.09 Max: 76.33
Current: 3
0.35
76.33
Shiller P/E 23.03
BKYF's Shiller P/E is ranked lower than
76% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. BKYF: 23.03 )
Ranked among companies with meaningful Shiller P/E only.
BKYF' s 10-Year Shiller P/E Range
Min: 8.07  Med: 13.06 Max: 23.03
Current: 23.03
8.07
23.03
Days Sales Outstanding 146.89
BKYF's Days Sales Outstanding is ranked lower than
83% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. BKYF: 146.89 )
Ranked among companies with meaningful Days Sales Outstanding only.
BKYF' s 10-Year Days Sales Outstanding Range
Min: 67.05  Med: 126.03 Max: 380.93
Current: 146.89
67.05
380.93

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.41
BKYF's Dividend Yield is ranked lower than
79% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. BKYF: 1.41 )
Ranked among companies with meaningful Dividend Yield only.
BKYF' s 10-Year Dividend Yield Range
Min: 0.86  Med: 1.99 Max: 3.81
Current: 1.41
0.86
3.81
Dividend Payout 0.31
BKYF's Dividend Payout is ranked higher than
54% of the 1330 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 10-Year Dividend Payout Range
Min: 0.18  Med: 0.34 Max: 1.56
Current: 0.31
0.18
1.56
Dividend growth (3y) 17.10
BKYF's Dividend growth (3y) is ranked higher than
71% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BKYF: 17.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
BKYF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 13.80 Max: 48.1
Current: 17.1
0
48.1
Yield on cost (5-Year) 2.18
BKYF's Yield on cost (5-Year) is ranked lower than
68% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. BKYF: 2.18 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BKYF' s 10-Year Yield on cost (5-Year) Range
Min: 1.33  Med: 3.08 Max: 5.89
Current: 2.18
1.33
5.89
Share Buyback Rate -1.10
BKYF's Share Buyback Rate is ranked higher than
57% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BKYF: -1.10 )
Ranked among companies with meaningful Share Buyback Rate only.
BKYF' s 10-Year Share Buyback Rate Range
Min: 1.9  Med: 0.20 Max: -10.1
Current: -1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.17
BKYF's Price/Tangible Book is ranked lower than
90% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. BKYF: 2.17 )
Ranked among companies with meaningful Price/Tangible Book only.
BKYF' s 10-Year Price/Tangible Book Range
Min: 1.02  Med: 2.06 Max: 4.63
Current: 2.17
1.02
4.63
Price/Projected FCF 0.97
BKYF's Price/Projected FCF is ranked lower than
77% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. BKYF: 0.97 )
Ranked among companies with meaningful Price/Projected FCF only.
BKYF' s 10-Year Price/Projected FCF Range
Min: 0.36  Med: 0.67 Max: 1.02
Current: 0.97
0.36
1.02
Price/Median PS Value 1.88
BKYF's Price/Median PS Value is ranked lower than
94% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. BKYF: 1.88 )
Ranked among companies with meaningful Price/Median PS Value only.
BKYF' s 10-Year Price/Median PS Value Range
Min: 0.47  Med: 1.32 Max: 12.75
Current: 1.88
0.47
12.75
Price/Peter Lynch Fair Value 2.49
BKYF's Price/Peter Lynch Fair Value is ranked lower than
95% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. BKYF: 2.49 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BKYF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6  Med: 1.18 Max: 2.56
Current: 2.49
0.6
2.56
Price/Graham Number 1.46
BKYF's Price/Graham Number is ranked lower than
90% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. BKYF: 1.46 )
Ranked among companies with meaningful Price/Graham Number only.
BKYF' s 10-Year Price/Graham Number Range
Min: 0.55  Med: 1.14 Max: 3.41
Current: 1.46
0.55
3.41
Earnings Yield (Greenblatt) (%) 7.80
BKYF's Earnings Yield (Greenblatt) (%) is ranked higher than
58% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. BKYF: 7.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BKYF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 6  Med: 10.60 Max: 20.4
Current: 7.8
6
20.4
Forward Rate of Return (Yacktman) (%) 16.34
BKYF's Forward Rate of Return (Yacktman) (%) is ranked higher than
54% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. BKYF: 16.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BKYF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 5.8  Med: 13.45 Max: 49.8
Current: 16.34
5.8
49.8

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 81
EPS($) 2.59 2.69
EPS without NRI($) 2.59 2.69

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 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

Articles On GuruFocus.com
The 5 Best Yielding Ex-Dividend Stocks on July 10, 2013 Jul 09 2013 
The Best Stocks With Dividend Growth From Last Week Mar 11 2012 
Guru Stocks Raising Dividends: KOP, BKYF, AGO, SCG, EMCF Feb 20 2012 
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 
June 10, 2010 52-Week Wrap-Up: Alliant Techsystems Inc., Allied Defense Group, Bank of Kentucky Fina Jun 10 2010 

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