STOCK YARDS BANCORP INC (SYBT) Stock Fundamental Analysis
USA - NASDAQ:SYBT - US8610251048 - Common Stock
65.185 USD
+0.22 (+0.33%)
Taking everything into account, SYBT scores 4 out of 10 in our fundamental rating. SYBT was compared to 388 industry peers in the Banks industry. There are concerns on the financial health of SYBT while its profitability can be described as average. While showing a medium growth rate, SYBT is valued expensive at the moment.
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.
SYBT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SYBT has a Return On Assets of 1.45%. This is amongst the best in the industry. SYBT outperforms 87.63% of its industry peers.
With an excellent Return On Equity value of 12.99%, SYBT belongs to the best of the industry, outperforming 86.08% of the companies in the same industry.
| 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 Profit Margin of 35.00%. This is amongst the best in the industry. SYBT outperforms 91.49% 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 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.
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 0.87. This is a very positive value and a sign of high solvency as it would only need 0.87 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.87, SYBT is doing good in the industry, outperforming 71.13% 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.
With a decent Debt to Equity ratio value of 0.10, SYBT is doing good in the industry, outperforming 66.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.33%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.82% over the past year.
The Earnings Per Share has been growing slightly by 6.12% on average over the past years.
SYBT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.91%.
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)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
The Earnings Per Share is expected to grow by 9.72% on average over the next years. This is quite good.
Based on estimates for the next years, SYBT will show a small growth in Revenue. The Revenue will grow by 7.54% on average per year.
EPS Next Y22.96%
EPS Next 2Y11.27%
EPS Next 3Y9.72%
EPS Next 5YN/A
Revenue Next Year12.07%
Revenue Next 2Y8.7%
Revenue Next 3Y7.54%
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.
4. Valuation
4.1 Price/Earnings Ratio
SYBT is valuated correctly with a Price/Earnings ratio of 14.23.
SYBT's Price/Earnings ratio is a bit more expensive when compared to the industry. SYBT is more expensive than 67.78% of the companies in the same industry.
SYBT is valuated rather cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 13.54, SYBT is valued correctly.
72.68% of the companies in the same industry are cheaper than SYBT, based on the Price/Forward Earnings ratio.
SYBT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.23 | ||
| Fwd PE | 13.54 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SYBT is valued a bit more expensive than 64.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.73 | ||
| EV/EBITDA | N/A |
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)0.62
PEG (5Y)2.32
EPS Next 2Y11.27%
EPS Next 3Y9.72%
5. Dividend
5.1 Amount
SYBT has a Yearly Dividend Yield of 1.91%. Purely for dividend investing, there may be better candidates out there.
The stock price of SYBT dropped by -20.33% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.39, SYBT is paying slightly less dividend.
SYBT's Dividend Yield is slightly below the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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
5.3 Sustainability
SYBT pays out 27.22% of its income as dividend. This is a sustainable payout ratio.
SYBT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.22%
EPS Next 2Y11.27%
EPS Next 3Y9.72%
NASDAQ:SYBT (11/20/2025, 11:06:08 AM)
65.185
+0.22 (+0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.74%
Inst Owner Change-0.52%
Ins Owners7.58%
Ins Owner Change-0.62%
Market Cap1.92B
Revenue(TTM)386.36M
Net Income(TTM)135.23M
Analysts50.91
Price Target83.84 (28.62%)
Short Float %7.46%
Short Ratio17.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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)-2.38%
PT rev (3m)-2.38%
EPS NQ rev (1m)2.42%
EPS NQ rev (3m)2.29%
EPS NY rev (1m)1.76%
EPS NY rev (3m)7.78%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.23 | ||
| Fwd PE | 13.54 | ||
| P/S | 4.97 | ||
| P/FCF | 15.73 | ||
| P/OCF | 14.46 | ||
| P/B | 1.85 | ||
| P/tB | 2.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.58
EY7.03%
EPS(NY)4.82
Fwd EY7.39%
FCF(TTM)4.14
FCFY6.36%
OCF(TTM)4.51
OCFY6.92%
SpS13.11
BVpS35.33
TBVpS27.95
PEG (NY)0.62
PEG (5Y)2.32
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
WACC12.33%
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 Y22.96%
EPS Next 2Y11.27%
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 Year12.07%
Revenue Next 2Y8.7%
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 22.96% in the next year.