Bank Of Kentucky Financial Corp (BKYF) Financial Analysis and Rating

Comparison Analysis Based on SEC Data

Company Name Bank Of Kentucky Financial Corp
Industry (SIC) 6035 - Savings Institutions, Federally Chartered
Revenue in 2014 $79,062 thousand (ranked #193 out of 473 companies in the industry)
Assets as of 12/31/2014 $1,932 million (ranked #196)
Analyzed report 12/31/2013 (filed 3/07/2014)

Year:
20132014

Financial Position and Performance
Annual | Quarterly

Compared with 2013 industry ratios Change during the year

better
improved
Compared with all listed companies

better

Compare with a competitor

Financial Ratios Benchmarking

Financial Ratio Comparison of company ratios for 2013
with industry ratios
(60 - Depository Institutions) 		with all listed companies
Solvency Ratios
Debt ratio 
0.90
0.89
0.90
0.64
Debt-to-equity ratio 
9.25
8.30
9.25
0.56
Interest coverage ratio 
6.97
2.85
6.97
1.28
Liquidity Ratios
Current Ratio 
2.84
2.18
2.84
1.53
Cash Ratio 
2.84
1.80
2.84
0.37
Profitability Ratios
ROE (Return on equity), after tax 
11.2%
7.7%
11.2%
-3.6%
ROA (Return on assets) 
1.1%
0.8%
1.1%
0.1%
Resulting score +0,6 +0,7

Year:
20132014

Additional Ratios (not used in score calculation)

Financial Ratio Comparison of company ratios for 2013
with industry ratios
(60 - Depository Institutions) 		with all listed companies
Activity Ratios
EBIT  $32M
EBITDA  $34M
Price Ratios
Earnings per Share (basic)  $2.63
Earnings per Share (diluted)  $2.61

Auditor's Conclusion

We have performed a comparative analysis of the balance sheet and income statement of Bank Of Kentucky Financial Corp (hereafter – the "Company") for the year 2013 as filed with the U.S. Securities and Exchange Commission (SEC). The primary business activity of the Company is "Savings Institutions, Federally Chartered" (SIC code 6035). In our analysis, we compared the key financial ratios of the Company with the average (median) values of those ratios calculated for the Company's specific industry sector and for all companies. The averages were calculated using data from 2013 financial statements filed with the SEC through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). By comparing each of the eleven key metrics to the median, we have reached an overall conclusion about the quality of the Company's financial condition. All calculations and conclusions were performed using software and methodologies developed by ReadyRatios.

Based on our analysis of the Company's key financial ratios, we have determined the following. The financial condition of Bank Of Kentucky Financial Corp in 2013 is better than the typical financial condition of companies in the "Savings Institutions, Federally Chartered" industry.

This conclusion is supported by a comparison of the Company's financial ratios with average U.S. ratios. The financial position of Bank Of Kentucky Financial Corp is better than that of most listed companies that file financial statements with the U.S. Securities and Exchange Commission.


More on Bank Of Kentucky Financial Corp

Closest Competitors

Company USD ($), in Millions
Revenue Assets
Farmers & Merchants Bancorp Inc. 90 941
Bank Mutual Corp 84 2,328
Northfield Bancorp, Inc. 78 3,021
Pulaski Financial Corp 76 1,426

See