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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 0.18
KTYB's Cash-to-Debt is ranked lower than
87% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.05 vs. KTYB: 0.18 )
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: 5.46
Current: 0.18
0.13
5.46
Equity-to-Asset 0.10
KTYB's Equity-to-Asset is ranked lower than
53% of the 1624 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
Debt-to-Equity 1.13
KTYB's Debt-to-Equity is ranked lower than
68% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. KTYB: 1.13 )
Ranked among companies with meaningful Debt-to-Equity only.
KTYB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05  Med: 1.12 Max: 1.85
Current: 1.13
0.05
1.85
Debt-to-EBITDA 8.59
KTYB's Debt-to-EBITDA is ranked lower than
65% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.03 vs. KTYB: 8.59 )
Ranked among companies with meaningful Debt-to-EBITDA only.
KTYB' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.36  Med: 8.73 Max: 15.24
Current: 8.59
2.36
15.24
Interest Coverage 2.61
KTYB's Interest Coverage is ranked higher than
61% of the 1562 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. KTYB: 2.61 )
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: 2.61
Current: 2.61
0.29
2.61
Beneish M-Score: -2.40
WACC vs ROIC
4.61%
5.99%
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 % 26.75
KTYB's Operating Margin % is ranked lower than
66% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.07 vs. KTYB: 26.75 )
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: 26.75
15.63
31.97
Net Margin % 22.24
KTYB's Net Margin % is ranked lower than
54% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.99 vs. KTYB: 22.24 )
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: 22.24
13.2
23.42
ROE % 10.76
KTYB's ROE % is ranked higher than
65% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. KTYB: 10.76 )
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: 10.76
6.41
11.54
ROA % 1.02
KTYB's ROA % is ranked higher than
59% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. KTYB: 1.02 )
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: 1.02
0.57
1.04
3-Year Revenue Growth Rate 4.70
KTYB's 3-Year Revenue Growth Rate is ranked higher than
53% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. KTYB: 4.70 )
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: 4.7
2.1
84.9
3-Year EBITDA Growth Rate 4.30
KTYB's 3-Year EBITDA Growth Rate is ranked lower than
54% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. KTYB: 4.30 )
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: 2.1 Max: 17.4
Current: 4.3
-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
61% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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: 7.5 Max: 16.3
Current: 10.1
-14.9
16.3
GuruFocus has detected 4 Warning Signs with Kentucky Bancshares Inc KTYB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» KTYB's 30-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:NAS:FDBC, NAS:SAL, OTCPK:BAYK, OTCPK:FOFN, OTCPK:HLAN, NAS:BYBK, NAS:RBPAA, NAS:SLCT, OTCPK:FNCB, OTCPK:MNAT, NAS:AUBN, NAS:FUNC, NAS:OVLY, NAS:MPB, NAS:FSFG, NAS:ACFC, OTCPK:PUGB, OTCPK:OPBK, NAS:HWBK, NAS:CBFV » details
Headquarter Location:USA
Kentucky Bancshares Inc is a bank holding company. It is engaged in general full-service commercial and consumer banking services. It conducts its business in the Commonwealth of Kentucky and various other offices in Paris.

Kentucky Bancshares Inc is a bank holding company. It conducts its business in the Commonwealth of Kentucky and various other offices in Paris. It is engaged in providing general full-service commercial and consumer banking services which include agricultural, construction, consumer, mortgage, and commercial loans services. A significant part of its operating activities includes originating loans. The company offers its customers a range of other services, including checking, savings, money market accounts, certificates of deposits (CDs), safe deposit facilities, credit cards and other consumer-oriented financial services. It also provides brokerage services, wealth management services and long-term care insurance. Its largest part of the revenue is generated from Net interest income.

Ratios

vs
industry
vs
history
PE Ratio 12.82
KTYB's PE Ratio is ranked higher than
64% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. KTYB: 12.82 )
Ranked among companies with meaningful PE Ratio only.
KTYB' s PE Ratio Range Over the Past 10 Years
Min: 7.14  Med: 11.35 Max: 15.79
Current: 12.82
7.14
15.79
PE Ratio without NRI 12.82
KTYB's PE Ratio without NRI is ranked higher than
64% of the 1531 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.75 vs. KTYB: 12.82 )
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: 11.35 Max: 15.79
Current: 12.82
7.14
15.79
Price-to-Owner-Earnings 11.46
KTYB's Price-to-Owner-Earnings is ranked higher than
60% of the 922 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. KTYB: 11.46 )
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: 10.69 Max: 75.89
Current: 11.46
4.04
75.89
PB Ratio 1.33
KTYB's PB Ratio is ranked lower than
52% of the 1636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. KTYB: 1.33 )
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: 1.69
Current: 1.33
0.65
1.69
PS Ratio 2.86
KTYB's PS Ratio is ranked higher than
65% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. KTYB: 2.86 )
Ranked among companies with meaningful PS Ratio only.
KTYB' s PS Ratio Range Over the Past 10 Years
Min: 1.32  Med: 1.9 Max: 3.45
Current: 2.86
1.32
3.45
Price-to-Free-Cash-Flow 10.50
KTYB's Price-to-Free-Cash-Flow is ranked lower than
54% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.78 vs. KTYB: 10.50 )
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: 3.2  Med: 10.01 Max: 74.89
Current: 10.5
3.2
74.89
Price-to-Operating-Cash-Flow 9.23
KTYB's Price-to-Operating-Cash-Flow is ranked lower than
53% of the 957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.35 vs. KTYB: 9.23 )
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: 8.67 Max: 25.11
Current: 9.23
3.01
25.11
EV-to-EBIT 18.08
KTYB's EV-to-EBIT is ranked lower than
64% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. KTYB: 18.08 )
Ranked among companies with meaningful EV-to-EBIT only.
KTYB' s EV-to-EBIT Range Over the Past 10 Years
Min: 5  Med: 16.9 Max: 41
Current: 18.08
5
41
EV-to-EBITDA 17.19
KTYB's EV-to-EBITDA is ranked lower than
65% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.38 vs. KTYB: 17.19 )
Ranked among companies with meaningful EV-to-EBITDA only.
KTYB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.1  Med: 14.7 Max: 24.5
Current: 17.19
4.1
24.5
EV-to-Revenue 4.84
KTYB's EV-to-Revenue is ranked lower than
52% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.22 vs. KTYB: 4.84 )
Ranked among companies with meaningful EV-to-Revenue only.
KTYB' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.2  Med: 3.9 Max: 6.3
Current: 4.84
1.2
6.3
PEG Ratio 128.00
KTYB's PEG Ratio is ranked lower than
100% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. KTYB: 128.00 )
Ranked among companies with meaningful PEG Ratio only.
KTYB' s PEG Ratio Range Over the Past 10 Years
Min: 0.66  Med: 1.77 Max: 128
Current: 128
0.66
128
Shiller PE Ratio 18.34
KTYB's Shiller PE Ratio is ranked higher than
65% of the 508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.19 vs. KTYB: 18.34 )
Ranked among companies with meaningful Shiller PE Ratio only.
KTYB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.01  Med: 10.57 Max: 18.37
Current: 18.34
7.01
18.37

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.53
KTYB's Dividend Yield % is ranked higher than
52% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. KTYB: 2.53 )
Ranked among companies with meaningful Dividend Yield % only.
KTYB' s Dividend Yield % Range Over the Past 10 Years
Min: 1.73  Med: 3.71 Max: 6.79
Current: 2.53
1.73
6.79
Dividend Payout Ratio 0.32
KTYB's Dividend Payout Ratio is ranked lower than
51% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. KTYB: 0.32 )
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: 0.32
0.18
0.84
3-Year Dividend Growth Rate 4.00
KTYB's 3-Year Dividend Growth Rate is ranked lower than
61% of the 820 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 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: 4.4 Max: 83.5
Current: 4
0
83.5
Forward Dividend Yield % 2.58
KTYB's Forward Dividend Yield % is ranked higher than
50% of the 2240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. KTYB: 2.58 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.19
KTYB's 5-Year Yield-on-Cost % is ranked higher than
66% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. KTYB: 4.19 )
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: 6.14 Max: 11.24
Current: 4.19
2.86
11.24
3-Year Average Share Buyback Ratio -3.00
KTYB's 3-Year Average Share Buyback Ratio is ranked lower than
54% of the 1129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. KTYB: -3.00 )
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
-3.2
1.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.58
KTYB's Price-to-Tangible-Book is ranked lower than
60% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. KTYB: 1.58 )
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: 1.57 Max: 2.79
Current: 1.58
0.85
2.79
Price-to-Intrinsic-Value-Projected-FCF 0.82
KTYB's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
57% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. KTYB: 0.82 )
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: 0.62 Max: 1.26
Current: 0.82
0.35
1.26
Price-to-Median-PS-Value 1.50
KTYB's Price-to-Median-PS-Value is ranked lower than
72% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. KTYB: 1.50 )
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: 1.39 Max: 30.88
Current: 1.5
0.72
30.88
Price-to-Graham-Number 0.95
KTYB's Price-to-Graham-Number is ranked higher than
55% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. KTYB: 0.95 )
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: 0.92 Max: 1.67
Current: 0.95
0.52
1.67
Earnings Yield (Greenblatt) % 5.53
KTYB's Earnings Yield (Greenblatt) % is ranked higher than
52% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.51 vs. KTYB: 5.53 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
KTYB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.4  Med: 5.9 Max: 20
Current: 5.53
2.4
20
Forward Rate of Return (Yacktman) % 7.06
KTYB's Forward Rate of Return (Yacktman) % is ranked lower than
66% of the 981 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. KTYB: 7.06 )
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: -3  Med: 8.7 Max: 27.5
Current: 7.06
-3
27.5

More Statistics

Revenue (TTM) (Mil) $46.86
EPS (TTM) $ 3.51
Beta0.45
Short Percentage of Float0.00%
52-Week Range $31.10 - 46.25
Shares Outstanding (Mil)2.97

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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