69.17 USD
+0.18 (+0.26%)
69.17 USD
0 (0%)
Overall SYBT gets a fundamental rating of 4 out of 10. We evaluated SYBT against 386 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 valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year SYBT was profitable.
In the past year SYBT had a positive cash flow from operations.
SYBT had positive earnings in each of the past 5 years.
Each year in the past 5 years SYBT had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.45%, SYBT belongs to the top of the industry, outperforming 87.56% of the companies in the same industry.
SYBT has a better Return On Equity (12.99%) than 87.05% 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
SYBT has a better Profit Margin (35.00%) than 91.45% of its industry peers.
SYBT's Profit Margin has declined in the last couple of years.
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.
SYBT has more shares outstanding than it did 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.
With a decent Debt to FCF ratio value of 0.87, SYBT is doing good in the industry, outperforming 69.95% of the companies in the same industry.
SYBT has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
SYBT has a Debt to Equity ratio of 0.10. This is in the better half of the industry: SYBT outperforms 66.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.2%
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.
SYBT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.12% yearly.
SYBT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.91%.
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
SYBT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.72% yearly.
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
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
SYBT is valuated correctly with a Price/Earnings ratio of 15.10.
66.84% of the companies in the same industry are cheaper than SYBT, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.54. SYBT is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 14.34, the valuation of SYBT can be described as correct.
72.54% of the companies in the same industry are cheaper than SYBT, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of SYBT to the average of the S&P500 Index (23.78), we can say SYBT is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.1 | ||
| Fwd PE | 14.34 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SYBT is valued a bit more expensive than 66.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.69 | ||
| 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)0.65
PEG (5Y)2.47
EPS Next 2Y11.34%
EPS Next 3Y9.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.86%, SYBT has a reasonable but not impressive dividend return.
SYBT's Dividend Yield is slightly below the industry average, which is at 2.87.
SYBT's Dividend Yield is comparable with the S&P500 average which is at 1.96.
| 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
SYBT pays out 27.22% of its income as dividend. This is a 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%
69.17
+0.18 (+0.26%)
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 Change-0.48%
Market Cap2.04B
Revenue(TTM)386.36M
Net Income(TTM)135.23M
Analysts50.91
Price Target79.76 (15.31%)
Short Float %7.68%
Short Ratio15.84
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-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)0.45%
Revenue NQ rev (3m)0.63%
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.1 | ||
| Fwd PE | 14.34 | ||
| P/S | 5.28 | ||
| P/FCF | 16.69 | ||
| P/OCF | 15.34 | ||
| P/B | 1.96 | ||
| P/tB | 2.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.58
EY6.62%
EPS(NY)4.82
Fwd EY6.97%
FCF(TTM)4.14
FCFY5.99%
OCF(TTM)4.51
OCFY6.52%
SpS13.11
BVpS35.33
TBVpS27.95
PEG (NY)0.65
PEG (5Y)2.47
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
WACC12.2%
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.