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STOCK YARDS BANCORP INC (SYBT) Stock Fundamental Analysis

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

76.52  -0.59 (-0.77%)

After market: 76.52 0 (0%)

Fundamental Rating

4

Taking everything into account, SYBT scores 4 out of 10 in our fundamental rating. SYBT was compared to 395 industry peers in the Banks industry. SYBT has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, SYBT is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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4

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.
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

Looking at the Return On Assets, with a value of 1.29%, SYBT belongs to the top of the industry, outperforming 83.04% of the companies in the same industry.
SYBT's Return On Equity of 12.18% is amongst the best of the industry. SYBT outperforms 83.29% of its industry peers.
Industry RankSector Rank
ROA 1.29%
ROE 12.18%
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

Looking at the Profit Margin, with a value of 32.51%, SYBT belongs to the top of the industry, outperforming 87.34% of the companies in the same industry.
SYBT's Profit Margin has declined 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) 32.51%
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.
Compared to 1 year ago, SYBT has more shares outstanding
SYBT has more shares outstanding than it did 5 years ago.
SYBT has a better debt/assets ratio than last year.
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 1.48. This is a very positive value and a sign of high solvency as it would only need 1.48 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.48, SYBT is in the better half of the industry, outperforming 61.52% of the companies in the same industry.
SYBT has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
SYBT has a Debt to Equity ratio of 0.21. This is comparable to the rest of the industry: SYBT outperforms 42.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.48
Altman-Z N/A
ROIC/WACCN/A
WACC12.15%
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

SYBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.29%, which is quite good.
The Earnings Per Share has been growing slightly by 6.12% on average over the past years.
The Revenue has been growing slightly by 7.31% 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)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%12.35%

3.2 Future

The Earnings Per Share is expected to grow by 8.00% 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 7.36% on average per year.
EPS Next Y9.78%
EPS Next 2Y8%
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

The Price/Earnings ratio is 18.48, which indicates a rather expensive current valuation of SYBT.
77.97% of the companies in the same industry are cheaper than SYBT, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of SYBT to the average of the S&P500 Index (24.85), we can say SYBT is valued slightly cheaper.
A Price/Forward Earnings ratio of 16.86 indicates a correct valuation of SYBT.
Based on the Price/Forward Earnings ratio, SYBT is valued a bit more expensive than the industry average as 75.44% of the companies are valued more cheaply.
SYBT's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 20.89.
Industry RankSector Rank
PE 18.48
Fwd PE 16.86
SYBT Price Earnings VS Forward Price EarningsSYBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

SYBT's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SYBT is more expensive than 66.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.95
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 an expensive valuation of the company.
PEG (NY)1.89
PEG (5Y)3.02
EPS Next 2Y8%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.63%, SYBT has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.42, SYBT is paying slightly less dividend.
SYBT's Dividend Yield is slightly below the S&P500 average, which is at 2.40.
Industry RankSector Rank
Dividend Yield 1.63%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.29%
Div Incr Years14
Div Non Decr Years27
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

31.29% 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.
DP31.29%
EPS Next 2Y8%
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 (5/14/2025, 8:03:13 PM)

After market: 76.52 0 (0%)

76.52

-0.59 (-0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/bmo
Earnings (Next)07-22 2025-07-22/bmo
Inst Owners62.22%
Inst Owner Change0.28%
Ins Owners1.93%
Ins Owner Change0.3%
Market Cap2.25B
Analysts50.91
Price Target80.38 (5.04%)
Short Float %7.92%
Short Ratio19.2
Dividend
Industry RankSector Rank
Dividend Yield 1.63%
Yearly Dividend1.22
Dividend Growth(5Y)3.29%
DP31.29%
Div Incr Years14
Div Non Decr Years27
Ex-Date03-17 2025-03-17 (0.31)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.99%
Min EPS beat(2)4.08%
Max EPS beat(2)5.91%
EPS beat(4)4
Avg EPS beat(4)6.46%
Min EPS beat(4)4.08%
Max EPS beat(4)9.68%
EPS beat(8)6
Avg EPS beat(8)3.09%
EPS beat(12)9
Avg EPS beat(12)-2.08%
EPS beat(16)12
Avg EPS beat(16)-1.56%
Revenue beat(2)2
Avg Revenue beat(2)0.44%
Min Revenue beat(2)0.15%
Max Revenue beat(2)0.73%
Revenue beat(4)3
Avg Revenue beat(4)-0.14%
Min Revenue beat(4)-1.63%
Max Revenue beat(4)0.73%
Revenue beat(8)4
Avg Revenue beat(8)-1.73%
Revenue beat(12)6
Avg Revenue beat(12)-1.13%
Revenue beat(16)9
Avg Revenue beat(16)-0.39%
PT rev (1m)0.64%
PT rev (3m)-0.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)-0.16%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 18.48
Fwd PE 16.86
P/S 6.4
P/FCF 16.95
P/OCF 15.78
P/B 2.4
P/tB 3.13
EV/EBITDA N/A
EPS(TTM)4.14
EY5.41%
EPS(NY)4.54
Fwd EY5.93%
FCF(TTM)4.52
FCFY5.9%
OCF(TTM)4.85
OCFY6.34%
SpS11.96
BVpS31.92
TBVpS24.41
PEG (NY)1.89
PEG (5Y)3.02
Profitability
Industry RankSector Rank
ROA 1.29%
ROE 12.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.51%
GM N/A
FCFM 37.76%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.48
Debt/EBITDA N/A
Cap/Depr 73.75%
Cap/Sales 2.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 116.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.15%
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 Y9.78%
EPS Next 2Y8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.31%
Revenue growth 3Y14.12%
Revenue growth 5Y15.06%
Sales Q2Q%12.35%
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 1Y34.4%
FCF growth 3Y10.91%
FCF growth 5Y20.07%
OCF growth 1Y33.89%
OCF growth 3Y11.85%
OCF growth 5Y19.59%