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STOCK YARDS BANCORP INC (SYBT) Stock Fundamental Analysis

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

80.9986  +0.37 (+0.46%)

Fundamental Rating

4

SYBT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 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 valied quite expensively at the moment, while 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.
SYBT had a positive operating cash flow in the past year.
SYBT had positive earnings in each of the past 5 years.
SYBT had a positive operating cash flow in each of the past 5 years.
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

SYBT has a Return On Assets of 1.36%. This is amongst the best in the industry. SYBT outperforms 86.08% of its industry peers.
SYBT has a Return On Equity of 12.50%. This is amongst the best in the industry. SYBT outperforms 85.32% 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

With an excellent Profit Margin value of 33.64%, SYBT belongs to the best of the industry, outperforming 89.37% of the companies in the same industry.
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) 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.
The number of shares outstanding for SYBT has been increased compared to 5 years ago.
Compared to 1 year ago, SYBT has an improved debt to assets ratio.
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 1.37. This is a very positive value and a sign of high solvency as it would only need 1.37 years to pay back of all of its debts.
The Debt to FCF ratio of SYBT (1.37) is better than 64.30% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that SYBT is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.19, SYBT perfoms like the industry average, outperforming 44.56% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.37
Altman-Z N/A
ROIC/WACCN/A
WACC11.99%
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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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.29% over the past year.
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 7.31% in the past year.
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)16.29%
EPS 3Y9.53%
EPS 5Y6.12%
EPS Q2Q%28.41%
Revenue 1Y (TTM)7.31%
Revenue growth 3Y14.12%
Revenue growth 5Y15.06%
Sales Q2Q%12.25%

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.
The Revenue is expected to grow by 7.36% on average over the next years.
EPS Next Y14.09%
EPS Next 2Y7.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.74%
Revenue Next 2Y7.36%
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.
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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1

4. Valuation

4.1 Price/Earnings Ratio

SYBT is valuated rather expensively with a Price/Earnings ratio of 19.56.
78.73% of the companies in the same industry are cheaper than SYBT, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.21, SYBT is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 17.87, the valuation of SYBT can be described as rather expensive.
76.96% of the companies in the same industry are cheaper than SYBT, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of SYBT to the average of the S&P500 Index (21.70), we can say SYBT is valued inline with the index average.
Industry RankSector Rank
PE 19.56
Fwd PE 17.87
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

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 69.37% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 17.65
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)1.39
PEG (5Y)3.2
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 1.57%. Purely for dividend investing, there may be better candidates out there.
SYBT's Dividend Yield is slightly below the industry average, which is at 3.47.
SYBT's Dividend Yield is slightly below the S&P500 average, which is at 2.42.
Industry RankSector Rank
Dividend Yield 1.57%

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

29.59% 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.
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 (7/2/2025, 11:04:09 AM)

80.9986

+0.37 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners62.57%
Inst Owner Change1.58%
Ins Owners7.59%
Ins Owner Change0.49%
Market Cap2.39B
Analysts50.91
Price Target80.38 (-0.76%)
Short Float %8.27%
Short Ratio17.38
Dividend
Industry RankSector Rank
Dividend Yield 1.57%
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)-0.51%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)2.17%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)3.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 19.56
Fwd PE 17.87
P/S 6.59
P/FCF 17.65
P/OCF 16.44
P/B 2.45
P/tB 3.16
EV/EBITDA N/A
EPS(TTM)4.14
EY5.11%
EPS(NY)4.53
Fwd EY5.6%
FCF(TTM)4.59
FCFY5.67%
OCF(TTM)4.93
OCFY6.08%
SpS12.3
BVpS33.1
TBVpS25.64
PEG (NY)1.39
PEG (5Y)3.2
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
WACC11.99%
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)16.29%
EPS 3Y9.53%
EPS 5Y6.12%
EPS Q2Q%28.41%
EPS Next Y14.09%
EPS Next 2Y7.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.31%
Revenue growth 3Y14.12%
Revenue growth 5Y15.06%
Sales Q2Q%12.25%
Revenue Next Year9.74%
Revenue Next 2Y7.36%
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%