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STOCK YARDS BANCORP INC (SYBT) Stock Fundamental Analysis

NASDAQ:SYBT - US8610251048 - Common Stock

82.12 USD
-0.78 (-0.94%)
Last: 8/27/2025, 8:19:29 PM
82.12 USD
0 (0%)
After Hours: 8/27/2025, 8:19:29 PM
Fundamental Rating

4

Taking everything into account, SYBT scores 4 out of 10 in our fundamental rating. SYBT was compared to 393 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.


Dividend Valuation Growth Profitability Health

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4

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.
In the past 5 years SYBT has always been profitable.
Each year in the past 5 years SYBT had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.39%, SYBT belongs to the top of the industry, outperforming 87.02% of the companies in the same industry.
The Return On Equity of SYBT (12.76%) is better than 86.26% of its industry peers.
Industry RankSector Rank
ROA 1.39%
ROE 12.76%
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
SYBT Yearly ROA, ROE, ROICSYBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

SYBT has a better Profit Margin (34.26%) than 90.08% 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 RankSector Rank
OM N/A
PM (TTM) 34.26%
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
SYBT Yearly Profit, Operating, Gross MarginsSYBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

SYBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SYBT has more shares outstanding
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.
SYBT Yearly Shares OutstandingSYBT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
SYBT Yearly Total Debt VS Total AssetsSYBT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

SYBT has a debt to FCF ratio of 1.14. This is a very positive value and a sign of high solvency as it would only need 1.14 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.14, SYBT is in the better half of the industry, outperforming 67.43% of the companies in the same industry.
SYBT has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.16, SYBT perfoms like the industry average, outperforming 53.18% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.14
Altman-Z N/A
ROIC/WACCN/A
WACC11.81%
SYBT Yearly LT Debt VS Equity VS FCFSYBT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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6

3. Growth

3.1 Past

SYBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.19%, 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.
The Revenue has grown by 10.29% 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)22.19%
EPS 3Y9.53%
EPS 5Y6.12%
EPS Q2Q%22.34%
Revenue 1Y (TTM)10.29%
Revenue growth 3Y14.12%
Revenue growth 5Y15.06%
Sales Q2Q%14.17%

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 10.60% yearly.
SYBT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.55% yearly.
EPS Next Y20.83%
EPS Next 2Y10.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.08%
Revenue Next 2Y8.55%
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 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.
SYBT Yearly Revenue VS EstimatesSYBT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
SYBT Yearly EPS VS EstimatesSYBT Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.88, the valuation of SYBT can be described as rather expensive.
Compared to the rest of the industry, the Price/Earnings ratio of SYBT indicates a slightly more expensive valuation: SYBT is more expensive than 77.35% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of SYBT to the average of the S&P500 Index (27.14), we can say SYBT is valued slightly cheaper.
The Price/Forward Earnings ratio is 17.26, which indicates a rather expensive current valuation of SYBT.
SYBT's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SYBT is more expensive than 76.59% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.80. SYBT is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.88
Fwd PE 17.26
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

SYBT's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SYBT is more expensive than 63.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.18
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

SYBT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.91
PEG (5Y)3.08
EPS Next 2Y10.6%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.66%, SYBT has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.30, SYBT is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.34, SYBT is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.66%

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 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
SYBT Yearly Dividends per shareSYBT Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

SYBT pays out 28.43% 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.
DP28.43%
EPS Next 2Y10.6%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
SYBT Dividend Payout.SYBT Dividend Payout, showing the Payout Ratio.SYBT Dividend Payout.PayoutRetained Earnings

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STOCK YARDS BANCORP INC

NASDAQ:SYBT (8/27/2025, 8:19:29 PM)

After market: 82.12 0 (0%)

82.12

-0.78 (-0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/bmo
Earnings (Next)10-21 2025-10-21/bmo
Inst Owners62.52%
Inst Owner Change4%
Ins Owners7.57%
Ins Owner Change-0.3%
Market Cap2.42B
Analysts50.91
Price Target85.88 (4.58%)
Short Float %7.65%
Short Ratio16.08
Dividend
Industry RankSector Rank
Dividend Yield 1.66%
Yearly Dividend1.22
Dividend Growth(5Y)3.29%
DP28.43%
Div Incr Years15
Div Non Decr Years28
Ex-Date06-16 2025-06-16 (0.31)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.58%
Min EPS beat(2)7.56%
Max EPS beat(2)11.6%
EPS beat(4)4
Avg EPS beat(4)7.29%
Min EPS beat(4)4.08%
Max EPS beat(4)11.6%
EPS beat(8)6
Avg EPS beat(8)4.74%
EPS beat(12)10
Avg EPS beat(12)4.14%
EPS beat(16)13
Avg EPS beat(16)2.49%
Revenue beat(2)1
Avg Revenue beat(2)-0.3%
Min Revenue beat(2)-1.21%
Max Revenue beat(2)0.61%
Revenue beat(4)3
Avg Revenue beat(4)0.07%
Min Revenue beat(4)-1.21%
Max Revenue beat(4)0.73%
Revenue beat(8)5
Avg Revenue beat(8)-0.49%
Revenue beat(12)7
Avg Revenue beat(12)-0.83%
Revenue beat(16)8
Avg Revenue beat(16)-0.96%
PT rev (1m)6.85%
PT rev (3m)6.85%
EPS NQ rev (1m)7.11%
EPS NQ rev (3m)7.77%
EPS NY rev (1m)5.91%
EPS NY rev (3m)5.89%
Revenue NQ rev (1m)3.11%
Revenue NQ rev (3m)3.09%
Revenue NY rev (1m)2.13%
Revenue NY rev (3m)2.13%
Valuation
Industry RankSector Rank
PE 18.88
Fwd PE 17.26
P/S 6.46
P/FCF 17.18
P/OCF 16.13
P/B 2.41
P/tB 3.08
EV/EBITDA N/A
EPS(TTM)4.35
EY5.3%
EPS(NY)4.76
Fwd EY5.79%
FCF(TTM)4.78
FCFY5.82%
OCF(TTM)5.09
OCFY6.2%
SpS12.71
BVpS34.13
TBVpS26.7
PEG (NY)0.91
PEG (5Y)3.08
Profitability
Industry RankSector Rank
ROA 1.39%
ROE 12.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.26%
GM N/A
FCFM 37.61%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.14
Debt/EBITDA N/A
Cap/Depr 109.06%
Cap/Sales 2.45%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 109.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.81%
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)22.19%
EPS 3Y9.53%
EPS 5Y6.12%
EPS Q2Q%22.34%
EPS Next Y20.83%
EPS Next 2Y10.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.29%
Revenue growth 3Y14.12%
Revenue growth 5Y15.06%
Sales Q2Q%14.17%
Revenue Next Year12.08%
Revenue Next 2Y8.55%
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 1Y15.01%
FCF growth 3Y10.91%
FCF growth 5Y20.07%
OCF growth 1Y14.72%
OCF growth 3Y11.85%
OCF growth 5Y19.59%