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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 0.24
KTYB's Cash to Debt is ranked lower than
81% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. KTYB: 0.24 )
Ranked among companies with meaningful Cash to Debt only.
KTYB' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.24 Max: N/A
Current: 0.24
Equity to Asset 0.10
KTYB's Equity to Asset is ranked lower than
51% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. KTYB: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
KTYB' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.1
0.08
0.11
Interest Coverage 1.89
KTYB's Interest Coverage is ranked higher than
52% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. KTYB: 1.89 )
Ranked among companies with meaningful Interest Coverage only.
KTYB' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 0.61 Max: 2.33
Current: 1.89
0.29
2.33
F-Score: 5
WACC vs ROIC
2.88%
4.17%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 18.90
KTYB's Operating margin (%) is ranked lower than
77% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. KTYB: 18.90 )
Ranked among companies with meaningful Operating margin (%) only.
KTYB' s Operating margin (%) Range Over the Past 10 Years
Min: 15.63  Med: 20.84 Max: 34.29
Current: 18.9
15.63
34.29
Net-margin (%) 17.38
KTYB's Net-margin (%) is ranked lower than
68% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. KTYB: 17.38 )
Ranked among companies with meaningful Net-margin (%) only.
KTYB' s Net-margin (%) Range Over the Past 10 Years
Min: 13.2  Med: 18.08 Max: 24.84
Current: 17.38
13.2
24.84
ROE (%) 8.54
KTYB's ROE (%) is ranked higher than
54% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. KTYB: 8.54 )
Ranked among companies with meaningful ROE (%) only.
KTYB' s ROE (%) Range Over the Past 10 Years
Min: 6.41  Med: 9.23 Max: 12.74
Current: 8.54
6.41
12.74
ROA (%) 0.80
KTYB's ROA (%) is ranked lower than
54% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. KTYB: 0.80 )
Ranked among companies with meaningful ROA (%) only.
KTYB' s ROA (%) Range Over the Past 10 Years
Min: 0.57  Med: 0.87 Max: 1.08
Current: 0.8
0.57
1.08
Revenue Growth (3Y)(%) 2.40
KTYB's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. KTYB: 2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
KTYB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 2.4  Med: 5.45 Max: 84.5
Current: 2.4
2.4
84.5
EBITDA Growth (3Y)(%) 5.00
KTYB's EBITDA Growth (3Y)(%) is ranked lower than
54% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. KTYB: 5.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
KTYB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.6  Med: 4.10 Max: 17.4
Current: 5
-13.6
17.4
EPS Growth (3Y)(%) 7.50
KTYB's EPS Growth (3Y)(%) is ranked higher than
50% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. KTYB: 7.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
KTYB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.8  Med: 6.70 Max: 16.1
Current: 7.5
-14.8
16.1
» 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) 10.70
KTYB's P/E(ttm) is ranked higher than
60% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. KTYB: 10.70 )
Ranked among companies with meaningful P/E(ttm) only.
KTYB' s P/E(ttm) Range Over the Past 10 Years
Min: 7.15  Med: 11.88 Max: 15.9
Current: 10.7
7.15
15.9
PE(NRI) 10.60
KTYB's PE(NRI) is ranked higher than
61% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. KTYB: 10.60 )
Ranked among companies with meaningful PE(NRI) only.
KTYB' s PE(NRI) Range Over the Past 10 Years
Min: 7.12  Med: 11.85 Max: 15.93
Current: 10.6
7.12
15.93
P/B 0.89
KTYB's P/B is ranked higher than
60% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. KTYB: 0.89 )
Ranked among companies with meaningful P/B only.
KTYB' s P/B Range Over the Past 10 Years
Min: 0.65  Med: 0.96 Max: 1.83
Current: 0.89
0.65
1.83
P/S 1.85
KTYB's P/S is ranked higher than
73% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. KTYB: 1.85 )
Ranked among companies with meaningful P/S only.
KTYB' s P/S Range Over the Past 10 Years
Min: 1.32  Med: 1.99 Max: 6.73
Current: 1.85
1.32
6.73
PFCF 10.60
KTYB's PFCF is ranked lower than
56% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. KTYB: 10.60 )
Ranked among companies with meaningful PFCF only.
KTYB' s PFCF Range Over the Past 10 Years
Min: 3.2  Med: 12.60 Max: 114.42
Current: 10.6
3.2
114.42
POCF 9.43
KTYB's POCF is ranked lower than
57% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. KTYB: 9.43 )
Ranked among companies with meaningful POCF only.
KTYB' s POCF Range Over the Past 10 Years
Min: 3.01  Med: 7.08 Max: 25
Current: 9.43
3.01
25
EV-to-EBIT 21.08
KTYB's EV-to-EBIT is ranked lower than
75% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. KTYB: 21.08 )
Ranked among companies with meaningful EV-to-EBIT only.
KTYB' s EV-to-EBIT Range Over the Past 10 Years
Min: 5  Med: 18.30 Max: 41
Current: 21.08
5
41
EV-to-EBITDA 16.78
KTYB's EV-to-EBITDA is ranked lower than
71% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. KTYB: 16.78 )
Ranked among companies with meaningful EV-to-EBITDA only.
KTYB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.1  Med: 15.10 Max: 33
Current: 16.78
4.1
33
PEG 1.33
KTYB's PEG is ranked lower than
62% of the 618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. KTYB: 1.33 )
Ranked among companies with meaningful PEG only.
KTYB' s PEG Range Over the Past 10 Years
Min: 0.57  Med: 1.15 Max: 4.11
Current: 1.33
0.57
4.11
Shiller P/E 11.43
KTYB's Shiller P/E is ranked higher than
77% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. KTYB: 11.43 )
Ranked among companies with meaningful Shiller P/E only.
KTYB' s Shiller P/E Range Over the Past 10 Years
Min: 7.01  Med: 9.61 Max: 14.22
Current: 11.43
7.01
14.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.95
KTYB's Dividend Yield is ranked higher than
65% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. KTYB: 3.95 )
Ranked among companies with meaningful Dividend Yield only.
KTYB' s Dividend Yield Range Over the Past 10 Years
Min: 1.73  Med: 3.64 Max: 6.79
Current: 3.95
1.73
6.79
Dividend Payout 0.42
KTYB's Dividend Payout is ranked lower than
63% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. KTYB: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
KTYB' s Dividend Payout Range Over the Past 10 Years
Min: 0.26  Med: 0.41 Max: 0.89
Current: 0.42
0.26
0.89
Dividend Growth (3y) 4.40
KTYB's Dividend Growth (3y) is ranked lower than
52% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. KTYB: 4.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
KTYB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 4.50 Max: 83.5
Current: 4.4
0
83.5
Forward Dividend Yield 3.95
KTYB's Forward Dividend Yield is ranked higher than
64% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. KTYB: 3.95 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.47
KTYB's Yield on cost (5-Year) is ranked higher than
62% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. KTYB: 4.47 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
KTYB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.96  Med: 4.12 Max: 7.68
Current: 4.47
1.96
7.68

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.07
KTYB's Price/Tangible Book is ranked higher than
51% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. KTYB: 1.07 )
Ranked among companies with meaningful Price/Tangible Book only.
KTYB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.85  Med: 1.80 Max: 2.79
Current: 1.07
0.85
2.79
Price/Projected FCF 0.52
KTYB's Price/Projected FCF is ranked higher than
64% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. KTYB: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
KTYB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.64 Max: 1.39
Current: 0.52
0.39
1.39
Price/Median PS Value 0.93
KTYB's Price/Median PS Value is ranked higher than
60% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. KTYB: 0.93 )
Ranked among companies with meaningful Price/Median PS Value only.
KTYB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.69  Med: 1.65 Max: 29.17
Current: 0.93
0.69
29.17
Price/Graham Number 0.71
KTYB's Price/Graham Number is ranked higher than
55% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. KTYB: 0.71 )
Ranked among companies with meaningful Price/Graham Number only.
KTYB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.52  Med: 1.04 Max: 1.67
Current: 0.71
0.52
1.67
Earnings Yield (Greenblatt) (%) 4.70
KTYB's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. KTYB: 4.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
KTYB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.4  Med: 5.50 Max: 20
Current: 4.7
2.4
20
Forward Rate of Return (Yacktman) (%) 14.34
KTYB's Forward Rate of Return (Yacktman) (%) is ranked lower than
51% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. KTYB: 14.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
KTYB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -6.5  Med: 6.20 Max: 28.6
Current: 14.34
-6.5
28.6

More Statistics

Revenue(Mil) $39
EPS $ 2.46
Beta-0.02
Short Percentage of Float0.00%
52-Week Range $26.01 - 33.00
Shares Outstanding(Mil)2.99

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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