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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.16
KTYB's Cash to Debt is ranked higher than
53% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. KTYB: 0.16 )
KTYB' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 0.16

Equity to Asset 0.10
KTYB's Equity to Asset is ranked higher than
70% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. KTYB: 0.10 )
KTYB' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.1

0.08
0.11
Interest Coverage 1.93
KTYB's Interest Coverage is ranked higher than
75% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. KTYB: 1.93 )
KTYB' s 10-Year Interest Coverage Range
Min: 0.29   Max: 2.33
Current: 1.93

0.29
2.33
F-Score: 3
Z-Score: 0.26
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 (%) 19.14
KTYB's Operating margin (%) is ranked higher than
61% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. KTYB: 19.14 )
KTYB' s 10-Year Operating margin (%) Range
Min: -229.93   Max: 39.57
Current: 19.14

-229.93
39.57
Net-margin (%) 17.88
KTYB's Net-margin (%) is ranked higher than
68% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. KTYB: 17.88 )
KTYB' s 10-Year Net-margin (%) Range
Min: 13.2   Max: 118.21
Current: 17.88

13.2
118.21
ROE (%) 8.83
KTYB's ROE (%) is ranked higher than
77% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. KTYB: 8.83 )
KTYB' s 10-Year ROE (%) Range
Min: 6.41   Max: 15.55
Current: 8.83

6.41
15.55
ROA (%) 0.82
KTYB's ROA (%) is ranked higher than
74% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. KTYB: 0.82 )
KTYB' s 10-Year ROA (%) Range
Min: 0.57   Max: 1.46
Current: 0.82

0.57
1.46
ROC (Joel Greenblatt) (%) 35.20
KTYB's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. KTYB: 35.20 )
KTYB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -217.07   Max: 94.71
Current: 35.2

-217.07
94.71
Revenue Growth (%) 4.60
KTYB's Revenue Growth (%) is ranked higher than
84% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. KTYB: 4.60 )
KTYB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 84.5
Current: 4.6

0
84.5
EBITDA Growth (%) 5.00
KTYB's EBITDA Growth (%) is ranked higher than
72% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. KTYB: 5.00 )
KTYB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 17.4
Current: 5

0
17.4
EPS Growth (%) 5.90
KTYB's EPS Growth (%) is ranked higher than
72% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. KTYB: 5.90 )
KTYB' s 10-Year EPS Growth (%) Range
Min: -14.9   Max: 16.3
Current: 5.9

-14.9
16.3
» KTYB's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 11.70
KTYB's P/E(ttm) is ranked higher than
88% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. KTYB: 11.70 )
KTYB' s 10-Year P/E(ttm) Range
Min: 7.15   Max: 24.27
Current: 11.7

7.15
24.27
P/B 0.98
KTYB's P/B is ranked higher than
82% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. KTYB: 0.98 )
KTYB' s 10-Year P/B Range
Min: 0.65   Max: 2.21
Current: 0.98

0.65
2.21
P/S 2.09
KTYB's P/S is ranked higher than
87% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. KTYB: 2.09 )
KTYB' s 10-Year P/S Range
Min: 1.32   Max: 6.73
Current: 2.09

1.32
6.73
PFCF 30.90
KTYB's PFCF is ranked higher than
80% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. KTYB: 30.90 )
KTYB' s 10-Year PFCF Range
Min: 3.2   Max: 231.25
Current: 30.9

3.2
231.25
EV-to-EBIT 24.19
KTYB's EV-to-EBIT is ranked higher than
67% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. KTYB: 24.19 )
KTYB' s 10-Year EV-to-EBIT Range
Min: 5   Max: 41
Current: 24.19

5
41
PEG 1.27
KTYB's PEG is ranked higher than
89% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. KTYB: 1.27 )
KTYB' s 10-Year PEG Range
Min: 0.52   Max: 17.36
Current: 1.27

0.52
17.36
Shiller P/E 12.80
KTYB's Shiller P/E is ranked higher than
94% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. KTYB: 12.80 )
KTYB' s 10-Year Shiller P/E Range
Min: 7.14   Max: 17.99
Current: 12.8

7.14
17.99

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.60
KTYB's Dividend Yield is ranked higher than
76% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. KTYB: 3.60 )
KTYB' s 10-Year Dividend Yield Range
Min: 1.73   Max: 6.79
Current: 3.6

1.73
6.79
Dividend Payout 0.42
KTYB's Dividend Payout is ranked higher than
70% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. KTYB: 0.42 )
KTYB' s 10-Year Dividend Payout Range
Min: 0.26   Max: 0.89
Current: 0.42

0.26
0.89
Dividend growth (3y) 4.60
KTYB's Dividend growth (3y) is ranked higher than
76% of the 1118 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. KTYB: 4.60 )
KTYB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 83.5
Current: 4.6

0
83.5
Yield on cost (5-Year) 3.19
KTYB's Yield on cost (5-Year) is ranked higher than
61% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. KTYB: 3.19 )
KTYB' s 10-Year Yield on cost (5-Year) Range
Min: 1.53   Max: 6.01
Current: 3.19

1.53
6.01
Share Buyback Rate 0.30
KTYB's Share Buyback Rate is ranked higher than
89% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. KTYB: 0.30 )
KTYB' s 10-Year Share Buyback Rate Range
Min: 1.5   Max: -1.1
Current: 0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
KTYB's Price/Tangible Book is ranked higher than
79% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. KTYB: 1.21 )
KTYB' s 10-Year Price/Tangible Book Range
Min: 0.85   Max: 2.79
Current: 1.21

0.85
2.79
Price/DCF (Projected) 0.46
KTYB's Price/DCF (Projected) is ranked higher than
92% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. KTYB: 0.46 )
KTYB' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 1.21
Current: 0.46

0.4
1.21
Price/Median PS Value 1.01
KTYB's Price/Median PS Value is ranked higher than
85% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. KTYB: 1.01 )
KTYB' s 10-Year Price/Median PS Value Range
Min: 0.67   Max: 28.38
Current: 1.01

0.67
28.38
Price/Peter Lynch Fair Value 1.44
KTYB's Price/Peter Lynch Fair Value is ranked higher than
91% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. KTYB: 1.44 )
KTYB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.56   Max: 3.47
Current: 1.44

0.56
3.47
Price/Graham Number 0.79
KTYB's Price/Graham Number is ranked higher than
85% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. KTYB: 0.79 )
KTYB' s 10-Year Price/Graham Number Range
Min: 0.52   Max: 1.67
Current: 0.79

0.52
1.67
Earnings Yield (Greenblatt) 4.10
KTYB's Earnings Yield (Greenblatt) is ranked higher than
63% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. KTYB: 4.10 )
KTYB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.4   Max: 20
Current: 4.1

2.4
20
Forward Rate of Return (Yacktman) 18.79
KTYB's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. KTYB: 18.79 )
KTYB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.3   Max: 30
Current: 18.79

-5.3
30

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Kentucky Bancshares, Inc. organized in 1981 and is registered under the Bank Holding Company Act of 1956. The Company is a bank holding company in Paris, Kentucky. The Company conducts its business in the Commonwealth of Kentucky through one banking subsidiary, Kentucky Bank. Kentucky Bank is a commercial bank and trust company organized under the laws of Kentucky. Kentucky Bank has its main office in Paris, with additional offices in Paris, Cynthiana, Georgetown, Lexington, Morehead, Nicholasville, Sandy Hook, Versailles, Wilmore and Winchester. Kentucky Bank is engaged in general full-service commercial and consumer banking. Kentucky Bank makes commercial, agricultural and real estate loans to its commercial customers, with emphasis on small-to-medium-sized industrial, service and agricultural businesses. It also makes residential mortgage, installment and other loans to its individual and other non-commercial customers. Kentucky Bank offers variable and fixed rate loans. Kentucky Bank offers its customers a variety of other services, including checking, savings, money market accounts, certificates of deposits, safe deposit facilities, credit cards and other consumer-oriented financial services. It has Internet banking, including bill payment available to its customers at www.kybank.com. Through its Wealth Management Department, Kentucky Bank provides brokerage services, annuities, life and long term care insurance, personal trust and agency services, including management agency services. Its market areas consist of Bourbon, Clark, Elliott, Fayette, Harrison, Jessamine, Rowan, Scott, Woodford and surrounding counties in Kentucky. The Company and its subsidiary compete with other bank holding companies and commercial banks, consumer finance companies, thrift institutions, other financial institutions and financial intermediaries, mortgage banking firms, finance companies, insurance companies, brokerage companies, financial affiliates of industrial companies and government agencies. As a bank holding company, the Company is subject to the regulation and supervision of the Federal Reserve Board. The Company's subsidiary is subject to supervision and regulation by applicable state and federal banking agencies, including the Federal Reserve Board, the Federal Deposit Insurance Corporation and the Kentucky Department of Financial Institutions.

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