SYBT Fundamental Analysis - STOCK YARDS BANCORP INC

Fundamental Rating

Taking everything into account, SYBT scores 4 out of 10 in our fundamental rating. SYBT was compared to 391 industry peers in the Banks industry. While SYBT is still in line with the averages on profitability rating, there are concerns on its financial health. SYBT is quite expensive at the moment. It does show a decent growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year SYBT was profitable.

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

Looking at the Return On Assets, with a value of 1.39%, SYBT belongs to the top of the industry, outperforming 86.96% of the companies in the same industry.

SYBT's Return On Equity of 12.76% is amongst the best of the industry. SYBT outperforms 85.68% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

SYBT has a better Profit Margin (34.26%) than 90.28% of its industry peers.

In the last couple of years the Profit Margin of SYBT has declined.

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)	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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

Compared to 5 years ago, SYBT has more shares outstanding

SYBT has a better debt/assets ratio than last year.

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.

SYBT's Debt to FCF ratio of 1.14 is fine compared to the rest of the industry. SYBT outperforms 65.73% of its industry peers.

SYBT has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.

SYBT has a Debt to Equity ratio (0.16) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.14
Altman-Z	N/A

ROIC/WACCN/A

WACC12.17%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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.

The Earnings Per Share has been growing slightly by 6.12% on average over the past years.

The Revenue has grown by 10.29% in the past year. This is quite good.

The Revenue has been growing by 15.06% on average over the past years. This is quite good.

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

The Earnings Per Share is expected to grow by 10.60% on average over the next years. This is quite good.

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

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

SYBT is valuated correctly with a Price/Earnings ratio of 15.62.

71.87% of the companies in the same industry are cheaper than SYBT, based on the Price/Earnings ratio.

SYBT is valuated rather cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 14.28, 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 72.63% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, SYBT is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	15.62
Fwd PE	14.28

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as SYBT.

		Industry Rank	Sector Rank
P/FCF	14.21
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)0.75

PEG (5Y)2.55

EPS Next 2Y10.6%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.96%, SYBT has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.61, SYBT is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.36, SYBT has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.96%

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

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

More info and screens

Find the best dividend stocks

Show peers with best dividend

STOCK YARDS BANCORP INC

NASDAQ:SYBT (10/20/2025, 3:13:41 PM)

67.94

+1.47 (+2.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/bmo

Earnings (Next)10-22 2025-10-22/bmo

Inst Owners64.74%

Inst Owner Change-0.06%

Ins Owners7.58%

Ins Owner Change-0.56%

Market Cap2.00B

Analysts50.91

Price Target85.88 (26.41%)

Short Float %7.8%

Short Ratio19.51

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.96%

Yearly Dividend1.22

Dividend Growth(5Y)3.29%

DP28.43%

Div Incr Years15

Div Non Decr Years28

Ex-Date09-15 2025-09-15 (0.32)

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)0%

PT rev (3m)6.85%

EPS NQ rev (1m)0%

EPS NQ rev (3m)7.11%

EPS NY rev (1m)0%

EPS NY rev (3m)5.91%

Revenue NQ rev (1m)-0.02%

Revenue NQ rev (3m)3.09%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.13%

Valuation

		Industry Rank	Sector Rank
PE	15.62
Fwd PE	14.28
P/S	5.34
P/FCF	14.21
P/OCF	13.34
P/B	1.99
P/tB	2.54
EV/EBITDA	N/A

EPS(TTM)4.35

EY6.4%

EPS(NY)4.76

Fwd EY7%

FCF(TTM)4.78

FCFY7.04%

OCF(TTM)5.09

OCFY7.49%

SpS12.71

BVpS34.13

TBVpS26.7

PEG (NY)0.75

PEG (5Y)2.55

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC12.17%

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%

STOCK YARDS BANCORP INC (SYBT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens