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 3/31/2014 (filed 5/07/2014)

Year:
20142015

Financial Position and Performance
Annual | Quarterly

Compared with Q1 2014 industry ratios Change during the quarter

better
improved
Compared with all listed companies

better

Compare with a competitor

Financial Ratios Benchmarking

Financial Ratio Comparison of company ratios for 3/31/2014
with Q1 2014 industry ratios
(60 - Depository Institutions) 		with all listed companies
Solvency Ratios
Debt ratio 
0.90
0.89
0.90
0.63
Debt-to-equity ratio 
8.96
8.26
8.96
0.64
Interest coverage ratio 
7.07
3.28
7.07
1.37
Liquidity Ratios
Current Ratio 
3.26
2.25
3.26
1.58
Cash Ratio 
3.05
1.90
3.05
0.41
Profitability Ratios
Profit margin 
26.4%
17.7%
26.4%
2.4%
ROE (Return on equity), after tax 
10.2%
7.1%
10.2%
-3.6%
ROA (Return on assets) 
1%
0.7%
1%
0%
Activity Ratios
Asset turnover (days) 
9547
8759
9547
648
Resulting score +0,8 +0,7

Year:
20142015

Additional Ratios (not used in score calculation)

Financial Ratio Comparison of company ratios for 3/31/2014
with Q1 2014 industry ratios
(60 - Depository Institutions) 		with all listed companies
Profitability Ratios
Gross margin 
94.9%
96.5%
94.9%
41.6%
Operating margin (Return on sales) 
42.8%
37.2%
42.8%
6.8%
Activity Ratios
EBIT  $7M
EBITDA  $8M
Price Ratios
Earnings per Share (basic)  $0.6
Earnings per Share (diluted)  $0.6

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 Q1 2014 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 Q1 2014 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 deve