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Stock Yards Bancorp (SYBT)
NASDAQ:SYBT
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Stock Yards Bancorp (SYBT) AI Stock Analysis

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SYBT

Stock Yards Bancorp

(NASDAQ:SYBT)

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Neutral 60 (OpenAI - 4o)
Rating:60Neutral
Price Target:
$79.00
▲(11.05% Upside)
Stock Yards Bancorp's overall score reflects solid financial performance with strong revenue growth and profitability. However, concerns about financial stability due to negative equity and liquidity management issues weigh on the score. Technical indicators suggest a bearish trend, and the valuation is not particularly compelling. The absence of earnings call data and corporate events limits additional insights.
Positive Factors
Revenue Growth
Consistent revenue growth indicates a positive trajectory, reflecting the company's ability to expand its market presence and enhance its financial performance over time.
Profit Margins
Strong profit margins suggest efficient cost management and pricing power, which can sustain profitability and provide a buffer against economic fluctuations.
Cash Flow Generation
Robust cash flow generation supports financial flexibility, enabling the company to invest in growth opportunities and weather financial challenges.
Negative Factors
Negative Equity Position
Negative equity indicates potential financial instability, which could limit the company's ability to raise capital and invest in future growth.
Liquidity Management
Weak liquidity management may hinder the company's ability to meet short-term obligations, affecting operational stability and financial health.
Rising Operational Costs
Increasing operational costs could pressure profitability, necessitating strategic adjustments to maintain competitive advantage and financial performance.

Stock Yards Bancorp (SYBT) vs. SPDR S&P 500 ETF (SPY)

Stock Yards Bancorp Business Overview & Revenue Model

Company DescriptionStock 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.
How the Company Makes MoneyStock Yards Bancorp generates revenue primarily through interest income from loans and investments, as well as non-interest income from various banking services. Key revenue streams include interest earned on commercial and consumer loans, mortgage loans, and investment securities. Additionally, the bank earns fees from services such as wealth management, trust services, and mortgage origination. Significant partnerships with local businesses and real estate developers also contribute to its revenue through collaborative lending and investment opportunities. The company’s focus on customer service and community engagement enhances client retention and attracts new customers, ultimately driving earnings.

Stock Yards Bancorp Financial Statement Overview

Summary
Stock Yards Bancorp demonstrates solid revenue growth and profitability, with strong gross and net profit margins. However, the negative equity position raises concerns about financial stability. Cash flow generation is robust, but liquidity management needs attention. Overall, the company is performing well but must address balance sheet weaknesses to ensure long-term stability.
Income Statement
75
Positive
Stock Yards Bancorp shows consistent revenue growth with a 3.34% increase in TTM, indicating a positive trajectory. Gross profit margin remains strong at 67.45%, and net profit margin is healthy at 24.11%. However, there is a slight decline in EBIT and EBITDA margins compared to previous years, which could indicate rising operational costs.
Balance Sheet
55
Neutral
The balance sheet reveals a concerning negative stockholders' equity in the TTM period, leading to a negative debt-to-equity ratio. This indicates potential financial instability. However, the return on equity remains positive at 18.50%, suggesting effective use of equity despite the negative balance.
Cash Flow
70
Positive
Cash flow analysis shows a positive free cash flow growth rate of 4.15% in TTM, indicating improved cash generation. The free cash flow to net income ratio is strong at 93.89%, demonstrating efficient conversion of income to cash. However, the operating cash flow to net income ratio is low, suggesting potential liquidity concerns.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue532.44M500.95M432.46M330.55M238.51M197.16M
Gross Profit359.14M335.38M319.31M302.02M233.26M166.80M
EBITDA169.18M157.72M159.87M141.14M106.73M77.49M
Net Income128.35M114.54M107.75M92.97M74.64M58.87M
Balance Sheet
Total Assets9.21B8.86B8.17B7.50B6.65B4.61B
Cash, Cash Equivalents and Short-Term Investments1.11B1.07B1.13B1.23B1.24B630.16M
Total Debt460.09M496.30M392.58M218.47M85.84M91.08M
Total Liabilities8.20B7.92B7.31B6.74B5.97B4.17B
Stockholders Equity1.01B940.48M858.10M760.43M675.87M440.70M
Cash Flow
Free Cash Flow140.88M133.02M98.97M90.30M97.52M71.67M
Operating Cash Flow150.06M142.87M106.70M108.74M102.10M77.13M
Investing Cash Flow-669.88M-677.06M-424.05M-384.43M-78.87M-804.72M
Financing Cash Flow766.89M559.25M415.94M-518.14M620.02M795.81M

Stock Yards Bancorp Technical Analysis

Technical Analysis Sentiment
Negative
Last Price71.14
Price Trends
50DMA
76.82
Negative
100DMA
76.35
Negative
200DMA
73.63
Negative
Market Momentum
MACD
-1.17
Positive
RSI
32.18
Neutral
STOCH
6.69
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SYBT, the sentiment is Negative. The current price of 71.14 is below the 20-day moving average (MA) of 77.22, below the 50-day MA of 76.82, and below the 200-day MA of 73.63, indicating a bearish trend. The MACD of -1.17 indicates Positive momentum. The RSI at 32.18 is Neutral, neither overbought nor oversold. The STOCH value of 6.69 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SYBT.

Stock Yards Bancorp Risk Analysis

Stock Yards Bancorp disclosed 33 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
2.18B11.2510.44%2.00%5.66%16.11%
76
Outperform
2.26B12.569.76%2.93%8.40%9.46%
75
Outperform
2.21B22.676.25%1.67%-2.04%-14.82%
74
Outperform
2.23B16.287.92%-7.45%-45.67%
74
Outperform
2.24B15.427.39%3.25%10.00%7.35%
60
Neutral
$2.19B17.0713.51%1.70%13.28%22.43%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SYBT
Stock Yards Bancorp
71.14
11.12
18.53%
BANR
Banner
65.49
8.02
13.96%
EFSC
Enterprise Financial Services
58.93
9.15
18.38%
FBNC
First Bancorp
53.28
12.73
31.39%
NBTB
NBT Bancorp
42.78
0.30
0.71%
CUBI
Customers Bancorp
65.83
21.02
46.91%

Stock Yards Bancorp Corporate Events

Executive/Board Changes
Stock Yards Bancorp Appoints New Principal Accounting Officer
Neutral
Sep 3, 2025

On September 3, 2025, Stock Yards Bancorp announced the appointment of Michael W. Woods as Senior Vice President and Principal Accounting Officer. Woods, a seasoned CPA with over 25 years of experience, will oversee accounting, reporting, and treasury functions. His compensation package includes a base salary, bonus eligibility, and stock awards. The previous Principal Accounting Officer, T. Clay Stinnett, will continue as Executive Vice President and CFO.

The most recent analyst rating on (SYBT) stock is a Buy with a $84.00 price target. To see the full list of analyst forecasts on Stock Yards Bancorp stock, see the SYBT Stock Forecast page.

Dividends
Stock Yards Bancorp Increases Quarterly Cash Dividend
Positive
Aug 20, 2025

On August 20, 2025, Stock Yards Bancorp‘s Board of Directors announced an increase in the company’s quarterly cash dividend to $0.32 per common share, payable on October 1, 2025, to stockholders of record as of September 15, 2025. This decision reflects the company’s consistent profitability and strong capital position, marking the 18th dividend increase since 2011, with a cumulative rise of 167%, demonstrating a commitment to enhancing long-term shareholder value.

The most recent analyst rating on (SYBT) stock is a Buy with a $85.00 price target. To see the full list of analyst forecasts on Stock Yards Bancorp stock, see the SYBT Stock Forecast page.

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.Date of analysis: Sep 20, 2025