SYBT

Stock Yards Bancorp, Inc.

Fundamental data last updated:September 2, 2026

We may earn a commission from partner links. This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate.

company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Stock Yards Bancorp, Inc. operates as a holding company for Stock Yards Bank & Trust Company that provides various financial services for individuals, corporations, and others in the United States. It operates in two segments, Commercial Banking, and WM&T. The Commercial Banking segment offers mortgage banking and deposit services; retail, commercial, and commercial real estate lending services; and online banking, mobile banking, private banking, leasing, treasury management, merchant, international banking, correspondent banking, and other banking services. This segment also provides securities brokerage services through an arrangement with a third party broker-dealer. The WM&T segment provides investment management, financial and retirement planning, and trust and estate services, as well as retirement plan management for businesses and corporations. The company operates through 73 full service banking center locations in Louisville, central, eastern and northern Kentucky, as well as Indianapolis, Indiana and Cincinnati, Ohio metropolitan markets. Stock Yards Bancorp, Inc. was founded in 1904 and is headquartered in Louisville, Kentucky.

 


Analyze SYBT on TradingView

VALUATION

P/E

14.61

Market Cap ($M USD)

$2.10B

Forward P/E

12.84

PEG

0.93

PRICE TO SALES

3.69

PRICE TO BOOK

1.90

EV / EBITDA

13.16

5-Year Average P/E

Free Cash Flow Yield

6.92%

DCF Value

$50.31

Graham Number

$64.21

Price to FCF

14.45

EV to FCF

16.76

Earnings Yield

6.85%

FCF Yield

6.92%

DIVIDEND

Yield

1.78%

Annual Payout

$1.27

Payout Ratio

26.14%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$4.88

Next Year EPS Growth Estimate

$5.55

Next Year Revenue Growth Estimate

$492.75M

Return on Equity (ROE)

13.58%

FREE CASH FLOW

Operating Margin

32.02%

Debt-to-Equity

0.42

Piotroski F-Score

6

Altman Z-Score

-0.54

Return on Invested Capital (ROIC)

11.33%

Current Ratio

0.08

Quick Ratio

0.08

Net Debt to EBITDA

1.81

Interest Coverage

1.10

Gross Profit margin

69.63%

FCF PER SHARE

$4.96

REVENUE PER SHARE

$19.42

Analyze SYBT on TradingView

Gainseekers Quantitative Analysis

Summary

The market seems to be overestimating SYBT’s value, with the stock trading above its DCF Value and Graham Number. The Forward P/E of 12.96 suggests moderate growth expectations, yet the Earnings Yield of 6.78% indicates a potentially undervalued opportunity. However, the Altman Z-score of 0.37 raises red flags about financial distress, hinting at underlying vulnerabilities. Despite a robust Return on Equity of 13.58%, the company’s safety and growth prospects appear mixed, warranting caution.

AI Exposure / Tech Reliance

In the realm of AI and tech adaptation, SYBT, as a regional bank, faces unique challenges. The financial services sector is increasingly integrating AI for risk management and customer service, but regional banks often lag in tech adoption. SYBT's ability to leverage AI will be crucial for maintaining competitiveness and operational efficiency.

The Bull Case

For the discerning GARP investor, SYBT offers compelling strengths. The company boasts a solid ROIC of 1.95%, indicating efficient capital use, while a Piotroski F-Score of 6 suggests decent financial health. With a Free Cash Flow Yield of 6.86% and an Operating Margin of 32.02%, SYBT demonstrates strong pricing power and operational efficiency. These metrics paint a picture of a company capable of generating consistent cash flows, appealing to value investors.

The Bear Case

Despite some strengths, SYBT faces significant structural risks. The Price/Book ratio of 1.92 and Price/Sales of 3.72 suggest the stock is not cheap, potentially overvalued relative to its peers. The Altman Z-score signals financial distress, and the low Current Ratio of 0.058 underscores liquidity concerns. Additionally, trading close to its 52-week high, the stock appears technically overextended, posing a risk for potential investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$76.50

Institutional Ownership %

1-Year Beta

0.71

Insider Buying % (6 Mo)

Distance to 52-Week High

17.56%

Distance to 52-Week Low

13.74%

EARNINGS SURPRISE %

0.81%

50-DAY SMA

$69.55

200-DAY SMA

$69.43

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.