68.53 USD
-0.3 (-0.44%)
68.53 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to SYBT. SYBT was compared to 383 industry peers in the Banks industry. SYBT has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, SYBT is valued expensive at the moment.
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
- The Return On Assets of SYBT (1.45%) is better than 86.95% of its industry peers.
- SYBT's Return On Equity of 12.99% is amongst the best of the industry. SYBT outperforms 86.95% of its industry peers.
| 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 90.86% of its industry peers.
- SYBT's Profit Margin has declined in the last couple of years.
- SYBT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- SYBT has more shares outstanding than it did 1 year ago.
- SYBT has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, SYBT has an improved debt to assets ratio.
2.2 Solvency
- SYBT has a debt to FCF ratio of 0.87. This is a very positive value and a sign of high solvency as it would only need 0.87 years to pay back of all of its debts.
- SYBT has a better Debt to FCF ratio (0.87) than 70.23% of its industry peers.
- A Debt/Equity ratio of 0.10 indicates that SYBT is not too dependend on debt financing.
- SYBT has a better Debt to Equity ratio (0.10) than 67.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 25.82% over the past year.
- The Earnings Per Share has been growing slightly by 6.12% on average over the past years.
- The Revenue has grown by 11.91% in the past year. This is quite good.
- 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.
- SYBT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.54% yearly.
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
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 14.96, SYBT is valued correctly.
- Compared to the rest of the industry, the Price/Earnings ratio of SYBT indicates a slightly more expensive valuation: SYBT is more expensive than 65.27% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, SYBT is valued a bit cheaper.
- SYBT is valuated correctly with a Price/Forward Earnings ratio of 14.21.
- Based on the Price/Forward Earnings ratio, SYBT is valued a bit more expensive than 72.06% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. SYBT is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.96 | ||
| Fwd PE | 14.21 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, SYBT is valued a bit more expensive than 67.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.54 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.64
PEG (5Y)2.44
EPS Next 2Y11.34%
EPS Next 3Y9.72%
5. Dividend
5.1 Amount
- SYBT has a Yearly Dividend Yield of 1.86%.
- Compared to an average industry Dividend Yield of 2.87, SYBT is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.85, SYBT has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.86% |
5.2 History
- The dividend of SYBT has a limited annual growth rate of 3.29%.
- SYBT has paid a dividend for at least 10 years, which is a reliable track record.
- SYBT has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.29%
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.
- SYBT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.22%
EPS Next 2Y11.34%
EPS Next 3Y9.72%
68.53
-0.3 (-0.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)01-20 2026-01-20/bmo
Inst Owners62.43%
Inst Owner Change-0.02%
Ins Owners6.66%
Ins Owner Change1.02%
Market Cap2.02B
Revenue(TTM)386.36M
Net Income(TTM)135.23M
Analysts50.91
Price Target79.76 (16.39%)
Short Float %7.67%
Short Ratio14.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.86% |
Yearly Dividend1.22
Dividend Growth(5Y)3.29%
DP27.22%
Div Incr Years15
Div Non Decr Years28
Ex-DateN/A
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)0%
PT rev (3m)-7.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.29%
EPS NY rev (1m)0%
EPS NY rev (3m)2.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.96 | ||
| Fwd PE | 14.21 | ||
| P/S | 5.23 | ||
| P/FCF | 16.54 | ||
| P/OCF | 15.2 | ||
| P/B | 1.94 | ||
| P/tB | 2.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.58
EY6.68%
EPS(NY)4.82
Fwd EY7.04%
FCF(TTM)4.14
FCFY6.05%
OCF(TTM)4.51
OCFY6.58%
SpS13.11
BVpS35.33
TBVpS27.95
PEG (NY)0.64
PEG (5Y)2.44
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
WACC12.26%
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.
What is the valuation status of STOCK YARDS BANCORP INC (SYBT) stock?
ChartMill assigns a valuation rating of 3 / 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 4 / 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 14.96 and the Price/Book (PB) ratio is 1.94.
Can you provide the financial health for SYBT stock?
The financial health rating of STOCK YARDS BANCORP INC (SYBT) is 3 / 10.