67.69 USD
+0.75 (+1.12%)
At close: Jan 30, 2026
67.69 USD
0 (0%)
After Hours: 1/30/2026, 8:20:23 PM
SYBT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. There are concerns on the financial health of SYBT while its profitability can be described as average. SYBT does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- SYBT had positive earnings in the past year.
- In the past year SYBT had a positive cash flow from operations.
- SYBT had positive earnings in 4 of the past 5 years.
- SYBT had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 1.45%, SYBT belongs to the best of the industry, outperforming 86.95% of the companies in the same industry.
- SYBT has a better Return On Equity (12.99%) than 86.42% of its industry peers.
| 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 better Profit Margin (35.00%) than 90.60% of its industry peers.
- In the last couple of years the Profit Margin of SYBT has declined.
- 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.
- There is no outstanding debt for SYBT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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.
- SYBT's Debt to FCF ratio of 0.87 is fine compared to the rest of the industry. SYBT outperforms 69.97% of its industry peers.
- A Debt/Equity ratio of 0.10 indicates that SYBT is not too dependend on debt financing.
- The Debt to Equity ratio of SYBT (0.10) is better than 67.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
EPS 1Y (TTM)22.11%
EPS 3Y14.31%
EPS 5Y12.81%
EPS Q2Q%15.89%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.66%
3.2 Future
- The Earnings Per Share is expected to grow by 4.00% on average over the next years.
- SYBT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.19% yearly.
EPS Next Y1.52%
EPS Next 2Y4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.28%
Revenue Next 2Y5.19%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 14.25 indicates a correct valuation of SYBT.
- Compared to the rest of the industry, the Price/Earnings ratio of SYBT indicates a slightly more expensive valuation: SYBT is more expensive than 63.71% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, SYBT is valued a bit cheaper.
- The Price/Forward Earnings ratio is 14.04, which indicates a correct valuation of SYBT.
- 71.80% 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 (25.57), we can say SYBT is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.25 | ||
| Fwd PE | 14.04 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, SYBT is valued a bit more expensive than the industry average as 66.84% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.33 | ||
| EV/EBITDA | N/A |
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)9.36
PEG (5Y)1.11
EPS Next 2Y4%
EPS Next 3YN/A
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.
- Compared to an average industry Dividend Yield of 2.67, SYBT is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.83, SYBT has a dividend comparable with the average S&P500 company.
| 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.
- The dividend of SYBT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.22%
EPS Next 2Y4%
EPS Next 3YN/A
STOCK YARDS BANCORP INC / SYBT FAQ
What is the fundamental rating for SYBT stock?
ChartMill assigns a fundamental rating of 3 / 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 4 / 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 14.25 and the Price/Book (PB) ratio is 1.92.
Can you provide the financial health for SYBT stock?
The financial health rating of STOCK YARDS BANCORP INC (SYBT) is 3 / 10.