STOCK YARDS BANCORP INC (SYBT) Fundamental Analysis & Valuation

NASDAQ:SYBT • US8610251048

Current stock price

70.47 USD
-1.68 (-2.33%)
At close:
70.47 USD
0 (0%)
After Hours:

This SYBT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. SYBT Profitability Analysis

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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • SYBT has a better Return On Assets (1.47%) than 85.64% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.03%, SYBT belongs to the top of the industry, outperforming 85.90% of the companies in the same industry.
Industry RankSector Rank
ROA 1.47%
ROE 13.03%
ROIC N/A
ROA(3y)1.36%
ROA(5y)1.29%
ROE(3y)12.59%
ROE(5y)12.21%
ROIC(3y)N/A
ROIC(5y)N/A
SYBT Yearly ROA, ROE, ROICSYBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 35.28%, SYBT belongs to the best of the industry, outperforming 90.69% of the companies in the same industry.
  • SYBT's Profit Margin has improved in the last couple of years.
  • 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) 35.28%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.95%
PM growth 5Y2.38%
GM growth 3YN/A
GM growth 5YN/A
SYBT Yearly Profit, Operating, Gross MarginsSYBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. SYBT Health Analysis

2.1 Basic Checks

  • SYBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SYBT has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SYBT has more shares outstanding
  • Compared to 1 year ago, SYBT has an improved debt to assets ratio.
SYBT Yearly Shares OutstandingSYBT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
SYBT Yearly Total Debt VS Total AssetsSYBT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of SYBT is 0.95, which is an excellent value as it means it would take SYBT, only 0.95 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.95, SYBT is in the better half of the industry, outperforming 69.41% of the companies in the same industry.
  • A Debt/Equity ratio of 0.14 indicates that SYBT is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.14, SYBT perfoms like the industry average, outperforming 56.91% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC12.44%
SYBT Yearly LT Debt VS Equity VS FCFSYBT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. SYBT Growth Analysis

3.1 Past

  • SYBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.11%, which is quite impressive.
  • SYBT shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.81% yearly.
  • Looking at the last year, SYBT shows a quite strong growth in Revenue. The Revenue has grown by 12.77% in the last year.
  • The Revenue has been growing by 16.17% on average over the past years. This is quite good.
EPS 1Y (TTM)22.11%
EPS 3Y14.31%
EPS 5Y12.81%
EPS Q2Q%15.89%
Revenue 1Y (TTM)12.77%
Revenue growth 3Y7.2%
Revenue growth 5Y16.17%
Sales Q2Q%11.66%

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 8.34% yearly.
  • The Revenue is expected to grow by 11.56% on average over the next years. This is quite good.
EPS Next Y7.38%
EPS Next 2Y8.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.84%
Revenue Next 2Y11.56%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
SYBT Yearly Revenue VS EstimatesSYBT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
SYBT Yearly EPS VS EstimatesSYBT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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2

4. SYBT Valuation Analysis

4.1 Price/Earnings Ratio

  • SYBT is valuated correctly with a Price/Earnings ratio of 14.84.
  • Based on the Price/Earnings ratio, SYBT is valued a bit more expensive than the industry average as 71.54% of the companies are valued more cheaply.
  • SYBT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.71.
  • Based on the Price/Forward Earnings ratio of 13.82, the valuation of SYBT can be described as correct.
  • SYBT's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SYBT is more expensive than 74.20% of the companies in the same industry.
  • SYBT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.09.
Industry RankSector Rank
PE 14.84
Fwd PE 13.82
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

  • SYBT's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.5
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SYBT does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.01
PEG (5Y)1.16
EPS Next 2Y8.34%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. SYBT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.80%, SYBT has a reasonable but not impressive dividend return.
  • SYBT's Dividend Yield is slightly below the industry average, which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, SYBT has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.8%

5.2 History

  • The dividend of SYBT has a limited annual growth rate of 3.10%.
  • 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)3.1%
Div Incr Years16
Div Non Decr Years29
SYBT Yearly Dividends per shareSYBT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 26.48% 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.
DP26.48%
EPS Next 2Y8.34%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
SYBT Dividend Payout.SYBT Dividend Payout, showing the Payout Ratio.SYBT Dividend Payout.PayoutRetained Earnings

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SYBT Fundamentals: All Metrics, Ratios and Statistics

STOCK YARDS BANCORP INC

NASDAQ:SYBT (4/21/2026, 8:14:15 PM)

After market: 70.47 0 (0%)

70.47

-1.68 (-2.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-29
Inst Owners63.46%
Inst Owner Change-0.05%
Ins Owners6.29%
Ins Owner Change1.43%
Market Cap2.08B
Revenue(TTM)397.26M
Net Income(TTM)140.15M
Analysts73.33
Price Target75.68 (7.39%)
Short Float %6.82%
Short Ratio10.9
Dividend
Industry RankSector Rank
Dividend Yield 1.8%
Yearly Dividend1.26
Dividend Growth(5Y)3.1%
DP26.48%
Div Incr Years16
Div Non Decr Years29
Ex-Date03-16
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.85%
Min EPS beat(2)1.78%
Max EPS beat(2)3.93%
EPS beat(4)4
Avg EPS beat(4)6.22%
Min EPS beat(4)1.78%
Max EPS beat(4)11.6%
EPS beat(8)8
Avg EPS beat(8)6.34%
EPS beat(12)10
Avg EPS beat(12)4.13%
EPS beat(16)13
Avg EPS beat(16)0%
Revenue beat(2)1
Avg Revenue beat(2)-1.85%
Min Revenue beat(2)-4.13%
Max Revenue beat(2)0.42%
Revenue beat(4)2
Avg Revenue beat(4)-1.08%
Min Revenue beat(4)-4.13%
Max Revenue beat(4)0.61%
Revenue beat(8)5
Avg Revenue beat(8)-0.61%
Revenue beat(12)6
Avg Revenue beat(12)-1.51%
Revenue beat(16)8
Avg Revenue beat(16)-1.12%
PT rev (1m)-1.85%
PT rev (3m)-5.12%
EPS NQ rev (1m)0.96%
EPS NQ rev (3m)3.78%
EPS NY rev (1m)5.24%
EPS NY rev (3m)5.77%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)2.72%
Revenue NY rev (1m)0.41%
Revenue NY rev (3m)8.33%
Valuation
Industry RankSector Rank
PE 14.84
Fwd PE 13.82
P/S 5.23
P/FCF 13.5
P/OCF 12.52
P/B 1.93
P/tB 2.42
EV/EBITDA N/A
EPS(TTM)4.75
EY6.74%
EPS(NY)5.1
Fwd EY7.24%
FCF(TTM)5.22
FCFY7.41%
OCF(TTM)5.63
OCFY7.98%
SpS13.46
BVpS36.45
TBVpS29.12
PEG (NY)2.01
PEG (5Y)1.16
Graham Number62.4164 (-11.43%)
Profitability
Industry RankSector Rank
ROA 1.47%
ROE 13.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.28%
GM N/A
FCFM 38.77%
ROA(3y)1.36%
ROA(5y)1.29%
ROE(3y)12.59%
ROE(5y)12.21%
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 3Y6.95%
PM growth 5Y2.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.95
Debt/EBITDA N/A
Cap/Depr 154.48%
Cap/Sales 3.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 109.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC12.44%
ROIC/WACCN/A
Cap/Depr(3y)87.82%
Cap/Depr(5y)78.61%
Cap/Sales(3y)2.7%
Cap/Sales(5y)3.15%
Profit Quality(3y)105.96%
Profit Quality(5y)109.13%
High Growth Momentum
Growth
EPS 1Y (TTM)22.11%
EPS 3Y14.31%
EPS 5Y12.81%
EPS Q2Q%15.89%
EPS Next Y7.38%
EPS Next 2Y8.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.77%
Revenue growth 3Y7.2%
Revenue growth 5Y16.17%
Sales Q2Q%11.66%
Revenue Next Year13.84%
Revenue Next 2Y11.56%
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 1Y15.78%
FCF growth 3Y19.48%
FCF growth 5Y16.55%
OCF growth 1Y16.22%
OCF growth 3Y15.17%
OCF growth 5Y16.58%

STOCK YARDS BANCORP INC / SYBT Fundamental Analysis 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 2 / 10 to STOCK YARDS BANCORP INC (SYBT). This can be considered as Overvalued.


How profitable is STOCK YARDS BANCORP INC (SYBT) stock?

STOCK YARDS BANCORP INC (SYBT) has a profitability rating of 5 / 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 7.38% in the next year.


How sustainable is the dividend of STOCK YARDS BANCORP INC (SYBT) stock?

The dividend rating of STOCK YARDS BANCORP INC (SYBT) is 6 / 10 and the dividend payout ratio is 26.48%.