STOCK YARDS BANCORP INC (SYBT) Fundamental Analysis & Valuation

NASDAQ:SYBT • US8610251048

Current stock price

62.76 USD
-0.22 (-0.35%)
Last:

This SYBT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. SYBT Profitability Analysis

1.1 Basic Checks

  • In the past year SYBT was profitable.
  • SYBT had a positive operating cash flow in the past year.
  • In the past 5 years SYBT has always been profitable.
  • In the past 5 years SYBT always reported a positive cash flow from operatings.
SYBT Yearly Net Income VS EBIT VS OCF VS FCFSYBT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • SYBT's Return On Assets of 1.47% is amongst the best of the industry. SYBT outperforms 87.14% of its industry peers.
  • SYBT has a better Return On Equity (13.03%) than 86.09% of its industry peers.
Industry RankSector Rank
ROA 1.47%
ROE 13.03%
ROIC N/A
ROA(3y)1.36%
ROA(5y)1.29%
ROE(3y)12.59%
ROE(5y)12.21%
ROIC(3y)N/A
ROIC(5y)N/A
SYBT Yearly ROA, ROE, ROICSYBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of SYBT (35.28%) is better than 90.81% of its industry peers.
  • In the last couple of years the Profit Margin of SYBT has grown nicely.
  • The Operating Margin and Gross Margin are not available for SYBT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 35.28%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.95%
PM growth 5Y2.38%
GM growth 3YN/A
GM growth 5YN/A
SYBT Yearly Profit, Operating, Gross MarginsSYBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. SYBT Health Analysis

2.1 Basic Checks

  • SYBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SYBT has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SYBT has more shares outstanding
  • The debt/assets ratio for SYBT has been reduced compared to a year ago.
SYBT Yearly Shares OutstandingSYBT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
SYBT Yearly Total Debt VS Total AssetsSYBT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of SYBT is 0.95, which is an excellent value as it means it would take SYBT, only 0.95 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.95, SYBT is in the better half of the industry, outperforming 69.03% of the companies in the same industry.
  • SYBT has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • SYBT's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. SYBT outperforms 57.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC12.78%
SYBT Yearly LT Debt VS Equity VS FCFSYBT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SYBT Yearly Current Assets VS Current LiabilitesSYBT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. SYBT Growth Analysis

3.1 Past

  • SYBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.11%, which is quite impressive.
  • The Earnings Per Share has been growing by 12.81% on average over the past years. This is quite good.
  • SYBT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.77%.
  • SYBT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.17% yearly.
EPS 1Y (TTM)22.11%
EPS 3Y14.31%
EPS 5Y12.81%
EPS Q2Q%15.89%
Revenue 1Y (TTM)12.77%
Revenue growth 3Y7.2%
Revenue growth 5Y16.17%
Sales Q2Q%11.66%

3.2 Future

  • SYBT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.13% yearly.
  • Based on estimates for the next years, SYBT will show a quite strong growth in Revenue. The Revenue will grow by 10.65% on average per year.
EPS Next Y2.03%
EPS Next 2Y7.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.45%
Revenue Next 2Y10.65%
Revenue Next 3YN/A
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 decreasing.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
SYBT Yearly Revenue VS EstimatesSYBT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
SYBT Yearly EPS VS EstimatesSYBT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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2

4. SYBT Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.21, the valuation of SYBT can be described as correct.
  • SYBT's Price/Earnings ratio is a bit more expensive when compared to the industry. SYBT is more expensive than 64.57% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.73, SYBT is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 12.95, SYBT is valued correctly.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SYBT indicates a slightly more expensive valuation: SYBT is more expensive than 71.92% of the companies listed in the same industry.
  • SYBT is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.21
Fwd PE 12.95
SYBT Price Earnings VS Forward Price EarningsSYBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as SYBT.
Industry RankSector Rank
P/FCF 12.01
EV/EBITDA N/A
SYBT Per share dataSYBT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)6.52
PEG (5Y)1.03
EPS Next 2Y7.13%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. SYBT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.05%, SYBT has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.90, SYBT is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.91, SYBT has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.05%

5.2 History

  • The dividend of SYBT has a limited annual growth rate of 3.10%.
  • SYBT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • SYBT has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.1%
Div Incr Years15
Div Non Decr Years28
SYBT Yearly Dividends per shareSYBT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • SYBT pays out 26.48% of its income as dividend. This is a sustainable payout ratio.
  • SYBT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP26.48%
EPS Next 2Y7.13%
EPS Next 3YN/A
SYBT Yearly Income VS Free CF VS DividendSYBT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
SYBT Dividend Payout.SYBT Dividend Payout, showing the Payout Ratio.SYBT Dividend Payout.PayoutRetained Earnings

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SYBT Fundamentals: All Metrics, Ratios and Statistics

STOCK YARDS BANCORP INC

NASDAQ:SYBT (3/20/2026, 10:03:07 AM)

62.76

-0.22 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners63.55%
Inst Owner Change-2.08%
Ins Owners6.69%
Ins Owner Change0.92%
Market Cap1.85B
Revenue(TTM)397.26M
Net Income(TTM)140.15M
Analysts50.91
Price Target77.11 (22.86%)
Short Float %6.74%
Short Ratio13.76
Dividend
Industry RankSector Rank
Dividend Yield 2.05%
Yearly Dividend1.26
Dividend Growth(5Y)3.1%
DP26.48%
Div Incr Years15
Div Non Decr Years28
Ex-Date03-16
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.85%
Min EPS beat(2)1.78%
Max EPS beat(2)3.93%
EPS beat(4)4
Avg EPS beat(4)6.22%
Min EPS beat(4)1.78%
Max EPS beat(4)11.6%
EPS beat(8)8
Avg EPS beat(8)6.34%
EPS beat(12)10
Avg EPS beat(12)4.13%
EPS beat(16)13
Avg EPS beat(16)0%
Revenue beat(2)1
Avg Revenue beat(2)-1.85%
Min Revenue beat(2)-4.13%
Max Revenue beat(2)0.42%
Revenue beat(4)2
Avg Revenue beat(4)-1.08%
Min Revenue beat(4)-4.13%
Max Revenue beat(4)0.61%
Revenue beat(8)5
Avg Revenue beat(8)-0.61%
Revenue beat(12)6
Avg Revenue beat(12)-1.51%
Revenue beat(16)8
Avg Revenue beat(16)-1.12%
PT rev (1m)-0.53%
PT rev (3m)-3.32%
EPS NQ rev (1m)-0.6%
EPS NQ rev (3m)2.91%
EPS NY rev (1m)0.58%
EPS NY rev (3m)0.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.96%
Valuation
Industry RankSector Rank
PE 13.21
Fwd PE 12.95
P/S 4.66
P/FCF 12.01
P/OCF 11.14
P/B 1.72
P/tB 2.15
EV/EBITDA N/A
EPS(TTM)4.75
EY7.57%
EPS(NY)4.85
Fwd EY7.72%
FCF(TTM)5.22
FCFY8.32%
OCF(TTM)5.63
OCFY8.97%
SpS13.48
BVpS36.49
TBVpS29.15
PEG (NY)6.52
PEG (5Y)1.03
Graham Number62.45
Profitability
Industry RankSector Rank
ROA 1.47%
ROE 13.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.28%
GM N/A
FCFM 38.77%
ROA(3y)1.36%
ROA(5y)1.29%
ROE(3y)12.59%
ROE(5y)12.21%
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 3Y6.95%
PM growth 5Y2.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.95
Debt/EBITDA N/A
Cap/Depr 154.48%
Cap/Sales 3.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 109.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC12.78%
ROIC/WACCN/A
Cap/Depr(3y)87.82%
Cap/Depr(5y)78.61%
Cap/Sales(3y)2.7%
Cap/Sales(5y)3.15%
Profit Quality(3y)105.96%
Profit Quality(5y)109.13%
High Growth Momentum
Growth
EPS 1Y (TTM)22.11%
EPS 3Y14.31%
EPS 5Y12.81%
EPS Q2Q%15.89%
EPS Next Y2.03%
EPS Next 2Y7.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.77%
Revenue growth 3Y7.2%
Revenue growth 5Y16.17%
Sales Q2Q%11.66%
Revenue Next Year13.45%
Revenue Next 2Y10.65%
Revenue Next 3YN/A
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 1Y15.78%
FCF growth 3Y19.48%
FCF growth 5Y16.55%
OCF growth 1Y16.22%
OCF growth 3Y15.17%
OCF growth 5Y16.58%

STOCK YARDS BANCORP INC / SYBT Fundamental Analysis FAQ

What is the fundamental rating for SYBT stock?

ChartMill assigns a fundamental rating of 4 / 10 to SYBT.


What is the valuation status of STOCK YARDS BANCORP INC (SYBT) stock?

ChartMill assigns a valuation rating of 2 / 10 to STOCK YARDS BANCORP INC (SYBT). This can be considered as Overvalued.


Can you provide the profitability details for STOCK YARDS BANCORP INC?

STOCK YARDS BANCORP INC (SYBT) has a profitability rating of 5 / 10.


What are the PE and PB ratios of STOCK YARDS BANCORP INC (SYBT) stock?

The Price/Earnings (PE) ratio for STOCK YARDS BANCORP INC (SYBT) is 13.21 and the Price/Book (PB) ratio is 1.72.


Can you provide the financial health for SYBT stock?

The financial health rating of STOCK YARDS BANCORP INC (SYBT) is 3 / 10.