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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 0.45
KTYB's Cash-to-Debt is ranked lower than
76% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. KTYB: 0.45 )
Ranked among companies with meaningful Cash-to-Debt only.
KTYB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.28 Max: 1.28
Current: 0.45
0.16
1.28
Equity-to-Asset 0.09
KTYB's Equity-to-Asset is ranked lower than
62% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. KTYB: 0.09 )
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: 0.09
0.08
0.11
Interest Coverage 2.11
KTYB's Interest Coverage is ranked higher than
57% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. KTYB: 2.11 )
Ranked among companies with meaningful Interest Coverage only.
KTYB' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 1.51 Max: 2.33
Current: 2.11
0.29
2.33
Piotroski F-Score: 4
Beneish M-Score: -3.36
WACC vs ROIC
4.40%
5.05%
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 : 6/10

vs
industry
vs
history
Operating Margin % 21.03
KTYB's Operating Margin % is ranked lower than
73% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. KTYB: 21.03 )
Ranked among companies with meaningful Operating Margin % only.
KTYB' s Operating Margin % Range Over the Past 10 Years
Min: 15.63  Med: 19.37 Max: 31.97
Current: 21.03
15.63
31.97
Net Margin % 19.29
KTYB's Net Margin % is ranked lower than
62% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. KTYB: 19.29 )
Ranked among companies with meaningful Net Margin % only.
KTYB' s Net Margin % Range Over the Past 10 Years
Min: 13.2  Med: 16.86 Max: 23.42
Current: 19.29
13.2
23.42
ROE % 9.17
KTYB's ROE % is ranked higher than
55% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. KTYB: 9.17 )
Ranked among companies with meaningful ROE % only.
KTYB' s ROE % Range Over the Past 10 Years
Min: 6.41  Med: 8.49 Max: 11.54
Current: 9.17
6.41
11.54
ROA % 0.86
KTYB's ROA % is ranked lower than
53% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. KTYB: 0.86 )
Ranked among companies with meaningful ROA % only.
KTYB' s ROA % Range Over the Past 10 Years
Min: 0.57  Med: 0.83 Max: 1.04
Current: 0.86
0.57
1.04
3-Year Revenue Growth Rate 4.80
KTYB's 3-Year Revenue Growth Rate is ranked higher than
54% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. KTYB: 4.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
KTYB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 2.1  Med: 5.3 Max: 84.9
Current: 4.8
2.1
84.9
3-Year EBITDA Growth Rate 0.50
KTYB's 3-Year EBITDA Growth Rate is ranked lower than
65% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. KTYB: 0.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
KTYB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -13.7  Med: 0.5 Max: 17.4
Current: 0.5
-13.7
17.4
3-Year EPS without NRI Growth Rate 10.10
KTYB's 3-Year EPS without NRI Growth Rate is ranked higher than
59% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. KTYB: 10.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
KTYB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -14.9  Med: 5.9 Max: 16.3
Current: 10.1
-14.9
16.3
GuruFocus has detected 5 Warning Signs with Kentucky Bancshares Inc $KTYB.
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» KTYB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:CHBH, NAS:CBFV, NAS:BKSC, NAS:SAL, NAS:AMRB, OTCPK:BKGMF, OTCPK:MVBF, NAS:SBBX, OTCPK:ENBP, OTCPK:EMYB, OTCPK:CABC, NAS:FSFG, OTCPK:FDBC, OTCPK:OPBK, NAS:FUNC, NAS:MPB, NAS:HWBK, OTCPK:CCFN, OTCPK:FOFN, OTCPK:EFSI » details
Kentucky Bancshares Inc is a bank holding company. The Company, through its subsidiary, is a commercial bank and trust company, which is engaged in general full-service commercial and consumer banking.

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.

Ratios

vs
industry
vs
history
PE Ratio 12.20
KTYB's PE Ratio is ranked higher than
60% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. KTYB: 12.20 )
Ranked among companies with meaningful PE Ratio only.
KTYB' s PE Ratio Range Over the Past 10 Years
Min: 7.14  Med: 11.61 Max: 15.79
Current: 12.2
7.14
15.79
PE Ratio without NRI 12.20
KTYB's PE Ratio without NRI is ranked higher than
62% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. KTYB: 12.20 )
Ranked among companies with meaningful PE Ratio without NRI only.
KTYB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.14  Med: 11.61 Max: 15.79
Current: 12.2
7.14
15.79
Price-to-Owner-Earnings 12.20
KTYB's Price-to-Owner-Earnings is ranked higher than
61% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. KTYB: 12.20 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
KTYB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.04  Med: 10.74 Max: 75.89
Current: 12.2
4.04
75.89
PB Ratio 1.12
KTYB's PB Ratio is ranked higher than
54% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. KTYB: 1.12 )
Ranked among companies with meaningful PB Ratio only.
KTYB' s PB Ratio Range Over the Past 10 Years
Min: 0.65  Med: 0.95 Max: 1.71
Current: 1.12
0.65
1.71
PS Ratio 2.34
KTYB's PS Ratio is ranked higher than
69% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. KTYB: 2.34 )
Ranked among companies with meaningful PS Ratio only.
KTYB' s PS Ratio Range Over the Past 10 Years
Min: 1.32  Med: 1.92 Max: 6.62
Current: 2.34
1.32
6.62
Price-to-Free-Cash-Flow 19.55
KTYB's Price-to-Free-Cash-Flow is ranked lower than
63% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. KTYB: 19.55 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
KTYB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.19  Med: 10.64 Max: 70.83
Current: 19.55
3.19
70.83
Price-to-Operating-Cash-Flow 17.38
KTYB's Price-to-Operating-Cash-Flow is ranked lower than
64% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. KTYB: 17.38 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
KTYB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.01  Med: 9.22 Max: 24.75
Current: 17.38
3.01
24.75
EV-to-EBIT 17.25
KTYB's EV-to-EBIT is ranked lower than
65% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. KTYB: 17.25 )
Ranked among companies with meaningful EV-to-EBIT only.
KTYB' s EV-to-EBIT Range Over the Past 10 Years
Min: 5  Med: 17.75 Max: 41
Current: 17.25
5
41
EV-to-EBITDA 15.60
KTYB's EV-to-EBITDA is ranked lower than
64% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. KTYB: 15.60 )
Ranked among companies with meaningful EV-to-EBITDA only.
KTYB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.1  Med: 15.1 Max: 33
Current: 15.6
4.1
33
Shiller PE Ratio 15.04
KTYB's Shiller PE Ratio is ranked higher than
75% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. KTYB: 15.04 )
Ranked among companies with meaningful Shiller PE Ratio only.
KTYB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.01  Med: 10.58 Max: 15.08
Current: 15.04
7.01
15.08

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.09
KTYB's Dividend Yield % is ranked higher than
57% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. KTYB: 3.09 )
Ranked among companies with meaningful Dividend Yield % only.
KTYB' s Dividend Yield % Range Over the Past 10 Years
Min: 1.73  Med: 3.66 Max: 6.79
Current: 3.09
1.73
6.79
Dividend Payout Ratio 0.40
KTYB's Dividend Payout Ratio is ranked lower than
61% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. KTYB: 0.40 )
Ranked among companies with meaningful Dividend Payout Ratio only.
KTYB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.18  Med: 0.44 Max: 0.84
Current: 0.4
0.18
0.84
3-Year Dividend Growth Rate 4.00
KTYB's 3-Year Dividend Growth Rate is ranked lower than
65% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. KTYB: 4.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
KTYB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.6 Max: 83.5
Current: 4
0
83.5
Forward Dividend Yield % 3.09
KTYB's Forward Dividend Yield % is ranked higher than
54% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. KTYB: 3.09 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.11
KTYB's 5-Year Yield-on-Cost % is ranked higher than
72% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. KTYB: 5.11 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
KTYB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.86  Med: 6.06 Max: 11.24
Current: 5.11
2.86
11.24
3-Year Average Share Buyback Ratio -3.10
KTYB's 3-Year Average Share Buyback Ratio is ranked lower than
55% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. KTYB: -3.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
KTYB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -3.2  Med: 0.2 Max: 1.4
Current: -3.1
-3.2
1.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.12
KTYB's Price-to-Tangible-Book is ranked higher than
58% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. KTYB: 1.12 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
KTYB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.85  Med: 1.46 Max: 2.79
Current: 1.12
0.85
2.79
Price-to-Intrinsic-Value-Projected-FCF 0.70
KTYB's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
63% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. KTYB: 0.70 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
KTYB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.61 Max: 1.23
Current: 0.7
0.35
1.23
Price-to-Median-PS-Value 1.22
KTYB's Price-to-Median-PS-Value is ranked lower than
57% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. KTYB: 1.22 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
KTYB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.72  Med: 1.41 Max: 3.48
Current: 1.22
0.72
3.48
Price-to-Graham-Number 0.78
KTYB's Price-to-Graham-Number is ranked higher than
63% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. KTYB: 0.78 )
Ranked among companies with meaningful Price-to-Graham-Number only.
KTYB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.52  Med: 0.88 Max: 1.67
Current: 0.78
0.52
1.67
Earnings Yield (Greenblatt) % 5.80
KTYB's Earnings Yield (Greenblatt) % is ranked higher than
51% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. KTYB: 5.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
KTYB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.4  Med: 5.65 Max: 20
Current: 5.8
2.4
20
Forward Rate of Return (Yacktman) % 6.00
KTYB's Forward Rate of Return (Yacktman) % is ranked lower than
66% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. KTYB: 6.00 )
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: -4.7  Med: 8.5 Max: 27.5
Current: 6
-4.7
27.5

More Statistics

Revenue (TTM) (Mil) $44.41
EPS (TTM) $ 2.87
Beta0.31
Short Percentage of Float0.00%
52-Week Range $26.05 - 35.10
Shares Outstanding (Mil)2.98
» More Articles for KTYB

Headlines

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