STOCK YARDS BANCORP INC (SYBT) Stock Fundamental Analysis

NASDAQ:SYBT • US8610251048

65.99 USD
-3.34 (-4.82%)
At close: Feb 23, 2026
65.99 USD
0 (0%)
After Hours: 2/23/2026, 8:17:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, SYBT scores 4 out of 10 in our fundamental rating. SYBT was compared to 379 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.


Dividend Valuation Growth Profitability Health

5

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.
  • Each year in the past 5 years SYBT has been profitable.
  • Of the past 5 years SYBT 4 years 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

1.2 Ratios

  • SYBT's Return On Assets of 1.45% is amongst the best of the industry. SYBT outperforms 87.34% of its industry peers.
  • SYBT has a better Return On Equity (12.99%) than 86.28% of its industry peers.
Industry RankSector Rank
ROA 1.45%
ROE 12.99%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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

  • SYBT's Profit Margin of 35.00% is amongst the best of the industry. SYBT outperforms 90.50% of its industry peers.
  • SYBT's Profit Margin has improved 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) 35%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • SYBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SYBT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SYBT Yearly Shares OutstandingSYBT Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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.
  • The Debt to FCF ratio of SYBT (0.87) is better than 70.18% of its industry peers.
  • SYBT has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.10, SYBT is in the better half of the industry, outperforming 66.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.87
Altman-Z N/A
ROIC/WACCN/A
WACC12.24%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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. Growth

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.
  • The Revenue has grown by 12.77% in the past year. This is quite good.
  • 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

  • The Earnings Per Share is expected to grow by 7.51% on average over the next years.
  • Based on estimates for the next years, SYBT will show a quite strong growth in Revenue. The Revenue will grow by 10.65% on average per year.
EPS Next Y1.44%
EPS Next 2Y7.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.45%
Revenue Next 2Y10.65%
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 decreasing.
  • 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
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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.89, SYBT is valued correctly.
  • Based on the Price/Earnings ratio, SYBT is valued a bit more expensive than the industry average as 65.44% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, SYBT is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 13.70 indicates a correct valuation of SYBT.
  • Based on the Price/Forward Earnings ratio, SYBT is valued a bit more expensive than 72.03% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.75, SYBT is valued rather cheaply.
Industry RankSector Rank
PE 13.89
Fwd PE 13.7
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

  • SYBT's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SYBT is more expensive than 66.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.93
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)9.64
PEG (5Y)1.08
EPS Next 2Y7.51%
EPS Next 3YN/A

More info and screens

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.87%, SYBT has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.74, SYBT is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.80, SYBT has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.87%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 27.22% 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.
DP27.22%
EPS Next 2Y7.51%
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
SYBT Dividend Payout.SYBT Dividend Payout, showing the Payout Ratio.SYBT Dividend Payout.PayoutRetained Earnings

More info and screens

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STOCK YARDS BANCORP INC

NASDAQ:SYBT (2/23/2026, 8:17:19 PM)

After market: 65.99 0 (0%)

65.99

-3.34 (-4.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners62.43%
Inst Owner Change-2.08%
Ins Owners6.66%
Ins Owner Change1.01%
Market Cap1.95B
Revenue(TTM)397.26M
Net Income(TTM)135.23M
Analysts50
Price Target77.52 (17.47%)
Short Float %6.44%
Short Ratio12.96
Dividend
Industry RankSector Rank
Dividend Yield 1.87%
Yearly Dividend1.22
Dividend Growth(5Y)3.29%
DP27.22%
Div Incr Years15
Div Non Decr Years28
Ex-DateN/A
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)-2.81%
PT rev (3m)-7.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.08%
EPS NY rev (3m)0.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.67%
Revenue NY rev (1m)7.76%
Revenue NY rev (3m)8.22%
Valuation
Industry RankSector Rank
PE 13.89
Fwd PE 13.7
P/S 5.04
P/FCF 15.93
P/OCF 14.64
P/B 1.87
P/tB 2.36
EV/EBITDA N/A
EPS(TTM)4.75
EY7.2%
EPS(NY)4.82
Fwd EY7.3%
FCF(TTM)4.14
FCFY6.28%
OCF(TTM)4.51
OCFY6.83%
SpS13.11
BVpS35.32
TBVpS27.94
PEG (NY)9.64
PEG (5Y)1.08
Graham Number61.44
Profitability
Industry RankSector 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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-Score8
Asset Turnover0.04
Health
Industry RankSector 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
WACC12.24%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.11%
EPS 3Y14.31%
EPS 5Y12.81%
EPS Q2Q%15.89%
EPS Next Y1.44%
EPS Next 2Y7.51%
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 Year13.45%
Revenue Next 2Y10.65%
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 1Y-16.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-13.85%
OCF growth 3YN/A
OCF growth 5YN/A

STOCK YARDS BANCORP INC / SYBT 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.


Can you provide the profitability details for STOCK YARDS BANCORP INC?

STOCK YARDS BANCORP INC (SYBT) has a profitability rating of 5 / 10.


What are the PE and PB ratios of STOCK YARDS BANCORP INC (SYBT) stock?

The Price/Earnings (PE) ratio for STOCK YARDS BANCORP INC (SYBT) is 13.89 and the Price/Book (PB) ratio is 1.87.


Can you provide the financial health for SYBT stock?

The financial health rating of STOCK YARDS BANCORP INC (SYBT) is 3 / 10.