67.155 USD
+0.2 (+0.31%)
67.155 USD
0 (0%)
SYBT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 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 quite expensive at the moment. It does show a decent growth rate.
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.
1.2 Ratios
SYBT's Return On Assets of 1.45% is amongst the best of the industry. SYBT outperforms 87.37% of its industry peers.
The Return On Equity of SYBT (12.99%) is better than 86.86% 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
With an excellent Profit Margin value of 35.00%, SYBT belongs to the best of the industry, outperforming 91.24% 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 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.
SYBT has more shares outstanding than it did 1 year ago.
SYBT has more shares outstanding than it did 5 years ago.
SYBT has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SYBT is 0.87, which is an excellent value as it means it would take SYBT, only 0.87 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.87, SYBT is in the better half of the industry, outperforming 70.10% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that SYBT is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.10, SYBT is doing good in the industry, outperforming 67.01% 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
WACC12.27%
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%.
The Revenue has been growing by 15.06% on average over the past years. This is quite good.
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.
SYBT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.54% yearly.
EPS Next Y23.28%
EPS Next 2Y11.34%
EPS Next 3Y9.72%
EPS Next 5YN/A
Revenue Next Year12.5%
Revenue Next 2Y8.83%
Revenue Next 3Y7.54%
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 accelerating.
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 14.66.
64.95% of the companies in the same industry are cheaper than SYBT, based on the Price/Earnings ratio.
SYBT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.59.
Based on the Price/Forward Earnings ratio of 13.93, the valuation of SYBT can be described as correct.
Based on the Price/Forward Earnings ratio, SYBT is valued a bit more expensive than the industry average as 72.16% of the companies are valued more cheaply.
SYBT's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.66 | ||
| Fwd PE | 13.93 |
4.2 Price Multiples
65.72% of the companies in the same industry are cheaper than SYBT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.63
PEG (5Y)2.39
EPS Next 2Y11.34%
EPS Next 3Y9.72%
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.
SYBT's Dividend Yield is comparable with the S&P500 average which is at 1.87.
| Industry Rank | Sector 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 their dividend for at least 10 years, which is a reliable track record.
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 2Y11.34%
EPS Next 3Y9.72%
67.155
+0.2 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.33%
Inst Owner Change-0.49%
Ins Owners6.8%
Ins Owner Change0.25%
Market Cap1.98B
Revenue(TTM)386.36M
Net Income(TTM)135.23M
Analysts50.91
Price Target79.76 (18.77%)
Short Float %7.64%
Short Ratio14.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.87% |
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)-4.87%
PT rev (3m)-7.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.29%
EPS NY rev (1m)0.25%
EPS NY rev (3m)2.02%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)0.63%
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.66 | ||
| Fwd PE | 13.93 | ||
| P/S | 5.12 | ||
| P/FCF | 16.2 | ||
| P/OCF | 14.89 | ||
| P/B | 1.9 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.58
EY6.82%
EPS(NY)4.82
Fwd EY7.18%
FCF(TTM)4.14
FCFY6.17%
OCF(TTM)4.51
OCFY6.71%
SpS13.11
BVpS35.33
TBVpS27.95
PEG (NY)0.63
PEG (5Y)2.39
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
WACC12.27%
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 Y23.28%
EPS Next 2Y11.34%
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 Year12.5%
Revenue Next 2Y8.83%
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 23.28% in the next year.