67.36 USD
-1.23 (-1.79%)
67.36 USD
0 (0%)
Overall SYBT gets a fundamental rating of 4 out of 10. We evaluated SYBT against 388 industry peers in the Banks industry. There are concerns on the financial health of SYBT while its profitability can be described as average. SYBT is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
SYBT had positive earnings in the past year.
SYBT had a positive operating cash flow in the past year.
Each year in the past 5 years SYBT has been profitable.
Each year in the past 5 years SYBT had a positive operating cash flow.
1.2 Ratios
SYBT has a Return On Assets of 1.45%. This is amongst the best in the industry. SYBT outperforms 87.37% of its industry peers.
With an excellent Return On Equity value of 12.99%, SYBT belongs to the best of the industry, outperforming 86.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 12.99% | ||
| ROIC | N/A |
ROA(3y)1.28%
ROA(5y)1.25%
ROE(3y)12.32%
ROE(5y)12.27%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SYBT (35.00%) is better than 91.24% of its industry peers.
In the last couple of years the Profit Margin of SYBT has declined.
The Operating Margin and Gross Margin are not available for SYBT so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 35% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.09%
PM growth 5Y-2.99%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SYBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SYBT has been increased compared to 1 year ago.
The number of shares outstanding for SYBT has been increased compared to 5 years ago.
The debt/assets ratio for SYBT has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SYBT is 0.87, which is an excellent value as it means it would take SYBT, only 0.87 years of fcf income to pay off all of its debts.
SYBT has a better Debt to FCF ratio (0.87) than 70.10% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that SYBT is not too dependend on debt financing.
The Debt to Equity ratio of SYBT (0.10) is better than 67.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SYBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.82%, which is quite impressive.
Measured over the past 5 years, SYBT shows a small growth in Earnings Per Share. The EPS has been growing by 6.12% on average per year.
Looking at the last year, SYBT shows a quite strong growth in Revenue. The Revenue has grown by 11.91% in the last year.
Measured over the past years, SYBT shows a quite strong growth in Revenue. The Revenue has been growing by 15.06% on average per year.
EPS 1Y (TTM)25.82%
EPS 3Y9.53%
EPS 5Y6.12%
EPS Q2Q%23%
Revenue 1Y (TTM)11.91%
Revenue growth 3Y14.12%
Revenue growth 5Y15.06%
Sales Q2Q%8.9%
3.2 Future
The Earnings Per Share is expected to grow by 9.72% on average over the next years. This is quite good.
Based on estimates for the next years, SYBT will show a small growth in Revenue. The Revenue will grow by 7.54% on average per year.
EPS Next Y23.28%
EPS Next 2Y11.34%
EPS Next 3Y9.72%
EPS Next 5YN/A
Revenue Next Year12.5%
Revenue Next 2Y8.83%
Revenue Next 3Y7.54%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.71, the valuation of SYBT can be described as correct.
Based on the Price/Earnings ratio, SYBT is valued a bit more expensive than the industry average as 63.66% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of SYBT to the average of the S&P500 Index (26.39), we can say SYBT is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 13.97, the valuation of SYBT can be described as correct.
Based on the Price/Forward Earnings ratio, SYBT is valued a bit more expensive than the industry average as 71.65% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 23.84. SYBT is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.71 | ||
| Fwd PE | 13.97 |
4.2 Price Multiples
65.46% of the companies in the same industry are cheaper than SYBT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.25 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SYBT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.63
PEG (5Y)2.4
EPS Next 2Y11.34%
EPS Next 3Y9.72%
5. Dividend
5.1 Amount
SYBT has a Yearly Dividend Yield of 1.87%.
SYBT's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, SYBT has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.87% |
5.2 History
The dividend of SYBT has a limited annual growth rate of 3.29%.
SYBT has been paying a dividend for at least 10 years, so it has a reliable track record.
SYBT has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.29%
Div Incr Years15
Div Non Decr Years28
5.3 Sustainability
27.22% of the earnings are spent on dividend by SYBT. This is a low number and sustainable payout ratio.
The dividend of SYBT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.22%
EPS Next 2Y11.34%
EPS Next 3Y9.72%
67.36
-1.23 (-1.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.33%
Inst Owner Change-0.49%
Ins Owners6.8%
Ins Owner Change0.25%
Market Cap1.99B
Revenue(TTM)386.36M
Net Income(TTM)135.23M
Analysts50.91
Price Target79.76 (18.41%)
Short Float %7.64%
Short Ratio14.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.87% |
Yearly Dividend1.22
Dividend Growth(5Y)3.29%
DP27.22%
Div Incr Years15
Div Non Decr Years28
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.74%
Min EPS beat(2)3.93%
Max EPS beat(2)7.56%
EPS beat(4)4
Avg EPS beat(4)7.25%
Min EPS beat(4)3.93%
Max EPS beat(4)11.6%
EPS beat(8)7
Avg EPS beat(8)5.28%
EPS beat(12)10
Avg EPS beat(12)4.19%
EPS beat(16)13
Avg EPS beat(16)2.05%
Revenue beat(2)1
Avg Revenue beat(2)-1.76%
Min Revenue beat(2)-4.13%
Max Revenue beat(2)0.61%
Revenue beat(4)2
Avg Revenue beat(4)-1%
Min Revenue beat(4)-4.13%
Max Revenue beat(4)0.73%
Revenue beat(8)5
Avg Revenue beat(8)-0.34%
Revenue beat(12)6
Avg Revenue beat(12)-1.51%
Revenue beat(16)8
Avg Revenue beat(16)-1.14%
PT rev (1m)-4.87%
PT rev (3m)-7.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.29%
EPS NY rev (1m)0.25%
EPS NY rev (3m)2.02%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)0.63%
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.71 | ||
| Fwd PE | 13.97 | ||
| P/S | 5.14 | ||
| P/FCF | 16.25 | ||
| P/OCF | 14.94 | ||
| P/B | 1.91 | ||
| P/tB | 2.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.58
EY6.8%
EPS(NY)4.82
Fwd EY7.16%
FCF(TTM)4.14
FCFY6.15%
OCF(TTM)4.51
OCFY6.69%
SpS13.11
BVpS35.33
TBVpS27.95
PEG (NY)0.63
PEG (5Y)2.4
Graham Number60.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 12.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 35% | ||
| GM | N/A | ||
| FCFM | 31.61% |
ROA(3y)1.28%
ROA(5y)1.25%
ROE(3y)12.32%
ROE(5y)12.27%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.09%
PM growth 5Y-2.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.87 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 156% | ||
| Cap/Sales | 2.78% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 90.32% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC12.25%
ROIC/WACCN/A
Cap/Depr(3y)65.96%
Cap/Depr(5y)59.06%
Cap/Sales(3y)3.59%
Cap/Sales(5y)3.13%
Profit Quality(3y)101.7%
Profit Quality(5y)111.47%
High Growth Momentum
Growth
EPS 1Y (TTM)25.82%
EPS 3Y9.53%
EPS 5Y6.12%
EPS Q2Q%23%
EPS Next Y23.28%
EPS Next 2Y11.34%
EPS Next 3Y9.72%
EPS Next 5YN/A
Revenue 1Y (TTM)11.91%
Revenue growth 3Y14.12%
Revenue growth 5Y15.06%
Sales Q2Q%8.9%
Revenue Next Year12.5%
Revenue Next 2Y8.83%
Revenue Next 3Y7.54%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y15.88%
FCF growth 3Y10.91%
FCF growth 5Y20.07%
OCF growth 1Y16.55%
OCF growth 3Y11.85%
OCF growth 5Y19.59%
STOCK YARDS BANCORP INC / SYBT FAQ
What is the fundamental rating for SYBT stock?
ChartMill assigns a fundamental rating of 4 / 10 to SYBT.
Can you provide the valuation status for STOCK YARDS BANCORP INC?
ChartMill assigns a valuation rating of 3 / 10 to STOCK YARDS BANCORP INC (SYBT). This can be considered as Overvalued.
What is the profitability of SYBT stock?
STOCK YARDS BANCORP INC (SYBT) has a profitability rating of 4 / 10.
How financially healthy is STOCK YARDS BANCORP INC?
The financial health rating of STOCK YARDS BANCORP INC (SYBT) is 3 / 10.
Can you provide the expected EPS growth for SYBT stock?
The Earnings per Share (EPS) of STOCK YARDS BANCORP INC (SYBT) is expected to grow by 23.28% in the next year.