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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 0.17
KTYB's Cash to Debt is ranked lower than
86% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. KTYB: 0.17 )
Ranked among companies with meaningful Cash to Debt only.
KTYB' s 10-Year Cash to Debt Range
Min: 0.13  Med: 0.24 Max: N/A
Current: 0.17
Equity to Asset 0.09
KTYB's Equity to Asset is ranked lower than
62% of the 1290 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.09
0.08
0.11
Interest Coverage 2.12
KTYB's Interest Coverage is ranked higher than
58% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. KTYB: 2.12 )
Ranked among companies with meaningful Interest Coverage only.
KTYB' s 10-Year Interest Coverage Range
Min: 0.29  Med: 0.67 Max: 2.33
Current: 2.12
0.29
2.33
F-Score: 3
WACC vs ROIC
2.60%
4.55%
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 (%) 20.30
KTYB's Operating margin (%) is ranked lower than
72% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. KTYB: 20.30 )
Ranked among companies with meaningful Operating margin (%) only.
KTYB' s 10-Year Operating margin (%) Range
Min: -229.93  Med: 22.05 Max: 39.57
Current: 20.3
-229.93
39.57
Net-margin (%) 18.65
KTYB's Net-margin (%) is ranked lower than
60% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. KTYB: 18.65 )
Ranked among companies with meaningful Net-margin (%) only.
KTYB' s 10-Year Net-margin (%) Range
Min: 13.2  Med: 24.70 Max: 118.21
Current: 18.65
13.2
118.21
ROE (%) 8.95
KTYB's ROE (%) is ranked higher than
55% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. KTYB: 8.95 )
Ranked among companies with meaningful ROE (%) only.
KTYB' s 10-Year ROE (%) Range
Min: 6.41  Med: 12.08 Max: 15.55
Current: 8.95
6.41
15.55
ROA (%) 0.84
KTYB's ROA (%) is ranked higher than
52% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. KTYB: 0.84 )
Ranked among companies with meaningful ROA (%) only.
KTYB' s 10-Year ROA (%) Range
Min: 0.57  Med: 1.06 Max: 1.46
Current: 0.84
0.57
1.46
ROC (Joel Greenblatt) (%) 38.68
KTYB's ROC (Joel Greenblatt) (%) is ranked lower than
69% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. KTYB: 38.68 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
KTYB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -217.07  Med: 49.86 Max: 94.71
Current: 38.68
-217.07
94.71
Revenue Growth (3Y)(%) 2.40
KTYB's Revenue Growth (3Y)(%) is ranked higher than
54% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. KTYB: 2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
KTYB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.40 Max: 84.5
Current: 2.4
0
84.5
EBITDA Growth (3Y)(%) 5.00
KTYB's EBITDA Growth (3Y)(%) is ranked lower than
57% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. KTYB: 5.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
KTYB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 2.10 Max: 17.4
Current: 5
0
17.4
EPS Growth (3Y)(%) 7.50
KTYB's EPS Growth (3Y)(%) is ranked lower than
55% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. KTYB: 7.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
KTYB' s 10-Year EPS Growth (3Y)(%) Range
Min: -14.9  Med: 7.50 Max: 16.3
Current: 7.5
-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) 12.58
KTYB's P/E(ttm) is ranked higher than
61% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. KTYB: 12.58 )
Ranked among companies with meaningful P/E(ttm) only.
KTYB' s 10-Year P/E(ttm) Range
Min: 7.15  Med: 12.08 Max: 19.07
Current: 12.58
7.15
19.07
PE(NRI) 12.50
KTYB's PE(NRI) is ranked higher than
61% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. KTYB: 12.50 )
Ranked among companies with meaningful PE(NRI) only.
KTYB' s 10-Year PE(NRI) Range
Min: 7.12  Med: 12.11 Max: 19.12
Current: 12.5
7.12
19.12
P/B 1.08
KTYB's P/B is ranked higher than
53% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. KTYB: 1.08 )
Ranked among companies with meaningful P/B only.
KTYB' s 10-Year P/B Range
Min: 0.65  Med: 0.97 Max: 2.05
Current: 1.08
0.65
2.05
P/S 2.34
KTYB's P/S is ranked higher than
66% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. KTYB: 2.34 )
Ranked among companies with meaningful P/S only.
KTYB' s 10-Year P/S Range
Min: 1.32  Med: 2.05 Max: 6.73
Current: 2.34
1.32
6.73
PFCF 14.68
KTYB's PFCF is ranked lower than
62% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. KTYB: 14.68 )
Ranked among companies with meaningful PFCF only.
KTYB' s 10-Year PFCF Range
Min: 3.2  Med: 14.08 Max: 231.25
Current: 14.68
3.2
231.25
POCF 12.66
KTYB's POCF is ranked lower than
62% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. KTYB: 12.66 )
Ranked among companies with meaningful POCF only.
KTYB' s 10-Year POCF Range
Min: 3.01  Med: 6.54 Max: 28.61
Current: 12.66
3.01
28.61
EV-to-EBIT 22.07
KTYB's EV-to-EBIT is ranked lower than
73% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. KTYB: 22.07 )
Ranked among companies with meaningful EV-to-EBIT only.
KTYB' s 10-Year EV-to-EBIT Range
Min: 5  Med: 17.80 Max: 41
Current: 22.07
5
41
PEG 1.56
KTYB's PEG is ranked lower than
63% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. KTYB: 1.56 )
Ranked among companies with meaningful PEG only.
KTYB' s 10-Year PEG Range
Min: 0.52  Med: 1.00 Max: 17.36
Current: 1.56
0.52
17.36
Shiller P/E 13.83
KTYB's Shiller P/E is ranked higher than
68% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. KTYB: 13.83 )
Ranked among companies with meaningful Shiller P/E only.
KTYB' s 10-Year Shiller P/E Range
Min: 7.18  Med: 11.98 Max: 16.84
Current: 13.83
7.18
16.84
Days Sales Outstanding 35.65
KTYB's Days Sales Outstanding is ranked lower than
51% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. KTYB: 35.65 )
Ranked among companies with meaningful Days Sales Outstanding only.
KTYB' s 10-Year Days Sales Outstanding Range
Min: 33.33  Med: 57.46 Max: 404.05
Current: 35.65
33.33
404.05

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.25
KTYB's Dividend Yield is ranked higher than
64% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. KTYB: 3.25 )
Ranked among companies with meaningful Dividend Yield only.
KTYB' s 10-Year Dividend Yield Range
Min: 1.73  Med: 3.61 Max: 6.79
Current: 3.25
1.73
6.79
Dividend Payout 0.40
KTYB's Dividend Payout is ranked lower than
62% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. KTYB: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
KTYB' s 10-Year Dividend Payout Range
Min: 0.26  Med: 0.41 Max: 0.89
Current: 0.4
0.26
0.89
Dividend growth (3y) 4.40
KTYB's Dividend growth (3y) is ranked lower than
60% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. KTYB: 4.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
KTYB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 4.40 Max: 83.5
Current: 4.4
0
83.5
Yield on cost (5-Year) 3.68
KTYB's Yield on cost (5-Year) is ranked higher than
64% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. KTYB: 3.68 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
KTYB' s 10-Year Yield on cost (5-Year) Range
Min: 1.96  Med: 4.08 Max: 7.68
Current: 3.68
1.96
7.68

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
KTYB's Price/Tangible Book is ranked lower than
58% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. KTYB: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
KTYB' s 10-Year Price/Tangible Book Range
Min: 0.85  Med: 1.81 Max: 2.79
Current: 1.31
0.85
2.79
Price/Projected FCF 0.59
KTYB's Price/Projected FCF is ranked higher than
61% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. KTYB: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
KTYB' s 10-Year Price/Projected FCF Range
Min: 0.41  Med: 0.62 Max: 1.21
Current: 0.59
0.41
1.21
Price/Median PS Value 1.14
KTYB's Price/Median PS Value is ranked lower than
55% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. KTYB: 1.14 )
Ranked among companies with meaningful Price/Median PS Value only.
KTYB' s 10-Year Price/Median PS Value Range
Min: 0.67  Med: 1.60 Max: 28.38
Current: 1.14
0.67
28.38
Price/Peter Lynch Fair Value 2.23
KTYB's Price/Peter Lynch Fair Value is ranked lower than
88% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. KTYB: 2.23 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
KTYB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.56  Med: 1.20 Max: 3.47
Current: 2.23
0.56
3.47
Price/Graham Number 0.86
KTYB's Price/Graham Number is ranked higher than
53% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. KTYB: 0.86 )
Ranked among companies with meaningful Price/Graham Number only.
KTYB' s 10-Year Price/Graham Number Range
Min: 0.52  Med: 1.03 Max: 1.67
Current: 0.86
0.52
1.67
Earnings Yield (Greenblatt) (%) 4.50
KTYB's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. KTYB: 4.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
KTYB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.4  Med: 5.60 Max: 20
Current: 4.5
2.4
20
Forward Rate of Return (Yacktman) (%) 14.86
KTYB's Forward Rate of Return (Yacktman) (%) is ranked higher than
54% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. KTYB: 14.86 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
KTYB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.3  Med: 4.40 Max: 30
Current: 14.86
-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.
» More Articles for KTYB

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