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STOCK YARDS BANCORP INC (SYBT) Stock Fundamental Analysis

NASDAQ:SYBT - Nasdaq - US8610251048 - Common Stock - Currency: USD

73.9  +0.32 (+0.43%)

After market: 73.9 0 (0%)

Fundamental Rating

4

SYBT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 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.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

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

1.2 Ratios

With an excellent Return On Assets value of 1.36%, SYBT belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
SYBT has a better Return On Equity (12.50%) than 85.46% of its industry peers.
Industry RankSector Rank
ROA 1.36%
ROE 12.5%
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

The Profit Margin of SYBT (33.64%) is better than 89.80% 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 RankSector Rank
OM N/A
PM (TTM) 33.64%
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.
The number of shares outstanding for SYBT has been increased compared to 1 year ago.
SYBT has more shares outstanding than it did 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

The Debt to FCF ratio of SYBT is 1.37, which is an excellent value as it means it would take SYBT, only 1.37 years of fcf income to pay off all of its debts.
SYBT has a better Debt to FCF ratio (1.37) than 64.80% of its industry peers.
SYBT has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
SYBT has a Debt to Equity ratio (0.19) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.37
Altman-Z N/A
ROIC/WACCN/A
WACC12.05%
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.
SYBT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.12% yearly.
The Revenue has been growing slightly by 3.75% in the past year.
SYBT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.06% yearly.
EPS 1Y (TTM)22.19%
EPS 3Y9.53%
EPS 5Y6.12%
EPS Q2Q%22.34%
Revenue 1Y (TTM)3.75%
Revenue growth 3Y14.12%
Revenue growth 5Y15.06%
Sales Q2Q%14.17%

3.2 Future

Based on estimates for the next years, SYBT will show a small growth in Earnings Per Share. The EPS will grow by 7.94% on average per year.
SYBT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.28% yearly.
EPS Next Y14.09%
EPS Next 2Y7.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.64%
Revenue Next 2Y8.28%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

The Price/Earnings ratio is 16.99, which indicates a correct valuation of SYBT.
76.02% of the companies in the same industry are cheaper than SYBT, based on the Price/Earnings ratio.
SYBT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.24.
Based on the Price/Forward Earnings ratio of 16.31, the valuation of SYBT can be described as correct.
Based on the Price/Forward Earnings ratio, SYBT is valued a bit more expensive than 76.79% of the companies in the same industry.
SYBT is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.99
Fwd PE 16.31
SYBT Price Earnings VS Forward Price EarningsSYBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SYBT indicates a slightly more expensive valuation: SYBT is more expensive than 65.31% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.1
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.21
PEG (5Y)2.77
EPS Next 2Y7.94%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

SYBT has a Yearly Dividend Yield of 1.66%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.51, SYBT is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.40, 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 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)3.29%
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

29.59% of the earnings are spent on dividend by SYBT. This is a low number and sustainable payout ratio.
The dividend of SYBT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP29.59%
EPS Next 2Y7.94%
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 (8/4/2025, 8:00:00 PM)

After market: 73.9 0 (0%)

73.9

+0.32 (+0.43%)

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 Owners62.57%
Inst Owner Change0.41%
Ins Owners7.59%
Ins Owner Change-0.29%
Market Cap2.18B
Analysts50.91
Price Target80.38 (8.77%)
Short Float %7.89%
Short Ratio16.18
Dividend
Industry RankSector Rank
Dividend Yield 1.66%
Yearly Dividend1.22
Dividend Growth(5Y)3.29%
DP29.59%
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)8.76%
Min EPS beat(2)5.91%
Max EPS beat(2)11.6%
EPS beat(4)4
Avg EPS beat(4)7.82%
Min EPS beat(4)4.08%
Max EPS beat(4)11.6%
EPS beat(8)6
Avg EPS beat(8)3.83%
EPS beat(12)10
Avg EPS beat(12)3.81%
EPS beat(16)12
Avg EPS beat(16)-2.75%
Revenue beat(2)1
Avg Revenue beat(2)-0.24%
Min Revenue beat(2)-1.21%
Max Revenue beat(2)0.73%
Revenue beat(4)3
Avg Revenue beat(4)-0.04%
Min Revenue beat(4)-1.21%
Max Revenue beat(4)0.73%
Revenue beat(8)4
Avg Revenue beat(8)-1.83%
Revenue beat(12)6
Avg Revenue beat(12)-1%
Revenue beat(16)8
Avg Revenue beat(16)-0.52%
PT rev (1m)0%
PT rev (3m)2.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.76%
EPS NY rev (1m)0%
EPS NY rev (3m)3.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.42%
Revenue NY rev (1m)1.73%
Revenue NY rev (3m)1.97%
Valuation
Industry RankSector Rank
PE 16.99
Fwd PE 16.31
P/S 6.01
P/FCF 16.1
P/OCF 15
P/B 2.23
P/tB 2.88
EV/EBITDA N/A
EPS(TTM)4.35
EY5.89%
EPS(NY)4.53
Fwd EY6.13%
FCF(TTM)4.59
FCFY6.21%
OCF(TTM)4.93
OCFY6.67%
SpS12.3
BVpS33.1
TBVpS25.64
PEG (NY)1.21
PEG (5Y)2.77
Profitability
Industry RankSector Rank
ROA 1.36%
ROE 12.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.64%
GM N/A
FCFM 37.32%
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 0.19
Debt/FCF 1.37
Debt/EBITDA N/A
Cap/Depr 89.18%
Cap/Sales 2.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 110.95%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.05%
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 Y14.09%
EPS Next 2Y7.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.75%
Revenue growth 3Y14.12%
Revenue growth 5Y15.06%
Sales Q2Q%14.17%
Revenue Next Year11.64%
Revenue Next 2Y8.28%
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 1Y41.35%
FCF growth 3Y10.91%
FCF growth 5Y20.07%
OCF growth 1Y26.29%
OCF growth 3Y11.85%
OCF growth 5Y19.59%