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Stock Yards Bancorp
(NASDAQ:SYBT)
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Rating:75Outperform
Price Target:
$81.00
▲(11.62% Upside)
Action:Reiterated
Date:05/10/26
Overall score is driven primarily by solid financial performance (strong profitability, improving leverage, and good cash conversion), supported by constructive price trend and positive corporate developments (acquisition completion and stable governance). Valuation appears reasonable but not a standout, and recent growth/FCF deceleration is the main watch item.
Positive Factors
Strong profitability
Sustained TTM net margin near 25% and solid operating profitability indicate durable earnings power for a regional bank. This supports internal capital generation, consistent dividend coverage and reinvestment into lending and fee businesses, providing a cushion through credit cycles and helping preserve return on equity over the medium term.
Negative Factors
Slowing and volatile revenue growth
A slowdown in top-line growth and an unusually high TTM compared with the prior year signal less predictable revenue momentum. Persistent deceleration would limit loan and fee income expansion, strain scalability of operating leverage, and reduce confidence in multi-quarter earnings trends needed to underpin durable capital allocation plans.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability
Sustained TTM net margin near 25% and solid operating profitability indicate durable earnings power for a regional bank. This supports internal capital generation, consistent dividend coverage and reinvestment into lending and fee businesses, providing a cushion through credit cycles and helping preserve return on equity over the medium term.
Read all positive factors
Stock Yards Bancorp Key Performance Indicators (KPIs)
Any
Income Before Taxes by Segment
Measures operating profit for each segment before taxes and nonrecurring items. Reveals which parts of the bank are genuinely profitable, where costs or credit charges are weighing on results, and which segments are most important to overall earnings stability and growth.
Measures operating profit for each segment before taxes and nonrecurring items. Reveals which parts of the bank are genuinely profitable, where costs or credit charges are weighing on results, and which segments are most important to overall earnings stability and growth.
Data provided by:
The Fly
The FlyStock Yards Bancorp (SYBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.25B
Dividend Yield1.88%
Average Volume (3M)165.40K
Price to Earnings (P/E)15.6
Beta (1Y)0.95
Revenue Growth9.58%
EPS Growth17.44%
CountryUS
Employees1,144
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.89
Shares Outstanding29,515,188
10 Day Avg. Volume172,029
30 Day Avg. Volume165,399
Financial Highlights & Ratios
PEG Ratio0.62
Price to Book (P/B)1.77
Price to Sales (P/S)3.38
P/FCF Ratio12.38
Enterprise Value/Market Cap1.10
Enterprise Value/Revenue4.33
Enterprise Value/Gross Profit6.22
Enterprise Value/Ebitda12.85
Forecast
1Y Price Target
$78.50Price Target Upside8.17% Upside
Rating ConsensusHold
Number of Analyst Covering5
EPS Forecast (FY)4.92
Revenue Forecast (FY)$452.64M
Stock Yards Bancorp Business Overview & Revenue Model
Company Description
Stock Yards Bancorp, Inc. serves as the parent company for Stock Yards Bank & Trust Company, providing a comprehensive range of financial solutions to individuals, businesses, and other clients across the United States. Its operations are divided ...
How the Company Makes Money
Stock Yards Bancorp makes money primarily through (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest and fees on loans and other interest-earning assets (such as investment securities and inter...
Stock Yards Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 570.63M | 564.54M | 500.95M | 432.46M | 330.55M | 238.51M |
| Gross Profit | 397.32M | 390.56M | 335.38M | 319.31M | 302.02M | 233.26M |
| EBITDA | 192.25M | 185.99M | 157.72M | 159.87M | 141.14M | 106.73M |
| Net Income | 143.47M | 140.15M | 114.54M | 107.75M | 92.97M | 74.64M |
Balance Sheet | ||||||
| Total Assets | 9.47B | 9.54B | 8.86B | 8.17B | 7.50B | 6.65B |
| Cash, Cash Equivalents and Short-Term Investments | 609.06M | 82.68M | 1.07B | 1.13B | 1.23B | 1.24B |
| Total Debt | 421.66M | 446.57M | 496.30M | 392.58M | 218.47M | 85.84M |
| Total Liabilities | 8.36B | 8.46B | 7.92B | 7.31B | 6.74B | 5.97B |
| Stockholders Equity | 1.10B | 1.08B | 940.48M | 858.10M | 760.43M | 675.87M |
Cash Flow | ||||||
| Free Cash Flow | 145.67M | 154.00M | 133.02M | 98.97M | 90.30M | 97.52M |
| Operating Cash Flow | 158.51M | 166.05M | 142.87M | 106.70M | 108.74M | 102.10M |
| Investing Cash Flow | -256.43M | -106.50M | -677.06M | -424.05M | -384.43M | -78.87M |
| Financing Cash Flow | 360.90M | 535.81M | 559.25M | 415.94M | -518.14M | 620.02M |
Stock Yards Bancorp Technical Analysis
Positive
72.57
Price Trends
72.83
Positive
69.78
Positive
68.36
Positive
Market Momentum
1.18
Positive
57.29
Neutral
34.61
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SYBT, the sentiment is Positive. The current price of 72.57 is below the 20-day moving average (MA) of 75.38, below the 50-day MA of 72.83, and above the 200-day MA of 68.36, indicating a bullish trend. The MACD of 1.18 indicates Positive momentum. The RSI at 57.29 is Neutral, neither overbought nor oversold. The STOCH value of 34.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SYBT.
Stock Yards Bancorp Risk Analysis
Stock Yards Bancorp disclosed 34 risk factors in its most recent earnings report. Stock Yards Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Stock Yards Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $2.62B | 14.12 | 9.83% | 3.33% | 17.46% | 16.00% | |
78 Outperform | $2.30B | 11.32 | 10.66% | 2.97% | 3.87% | 16.71% | |
76 Outperform | $2.39B | 12.26 | 10.08% | 2.20% | 9.05% | 3.81% | |
75 Outperform | $2.25B | 15.60 | 13.58% | 1.88% | 9.58% | 17.44% | |
74 Outperform | $2.64B | 21.75 | 7.47% | 1.69% | 3.15% | 38.23% | |
72 Outperform | $2.59B | 9.41 | 13.62% | ― | 9.32% | 97.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
SYBT
Stock Yards Bancorp
76.26
-1.78
-2.28%
BANR
Banner
67.58
0.37
0.55%
EFSC
Enterprise Financial Services
65.34
8.09
14.13%
FBNC
First Bancorp
63.72
17.27
37.19%
NBTB
NBT Bancorp
50.28
7.40
17.27%
CUBI
Customers Bancorp
76.62
12.57
19.63%
Stock Yards Bancorp Corporate Events
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Stock Yards Bancorp Completes Field & Main Acquisition
Positive
May 1, 2026
On May 1, 2026, Stock Yards Bancorp completed its acquisition of Field Main Bancorp, whose subsidiary Field Main Bank has been merged into Stock Yards Bank Trust Company, adding six retail branches in Henderson, Lexington and Cynthiana, Kentuck...
Executive/Board ChangesShareholder Meetings
Stock Yards Bancorp Shareholders Back Board, Pay, Auditor
Positive
Apr 29, 2026
At Stock Yards Bancorp’s annual meeting of shareholders held on April 23, 2026, investors elected all nominated directors to serve until the 2027 meeting, with each candidate receiving strong majority support based on the votes cast and high...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.