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Stock Yards Bancorp
(NASDAQ:SYBT)
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Rating:75Outperform
Price Target:
$95.00
▲(16.14% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by solid financial performance (strong margins/ROE and improving leverage), supported by favorable price momentum and trend signals. The main constraints are slowing top-line momentum and low operating cash flow coverage, alongside only moderate valuation support (P/E ~16.9 and ~1.5% dividend yield).
Positive Factors
Strong margins and ROE
Sustained TTM net margin (~26.7%) and ROE (~13.6%) reflect persistent profitability from core banking operations. Durable margins provide a multi-quarter buffer against credit volatility, support reinvestment and capital retention, and underpin longer-term earnings stability.
Negative Factors
Near-term revenue slowdown
A TTM revenue decline (~-1.9%) after prior gains signals cooling top-line momentum. For a regional bank, sustained revenue softness can compress net interest income and fee growth, limiting organic capital generation and slowing balance-sheet expansion over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong margins and ROE
Sustained TTM net margin (~26.7%) and ROE (~13.6%) reflect persistent profitability from core banking operations. Durable margins provide a multi-quarter buffer against credit volatility, support reinvestment and capital retention, and underpin longer-term earnings stability.
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
$2.64B
Dividend Yield1.5%
Average Volume (3M)165.40K
Price to Earnings (P/E)16.9
Beta (1Y)0.92
Revenue Growth9.30%
EPS Growth15.23%
CountryUS
Employees1,270
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.04
Shares Outstanding31,066,643
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$88.00Price Target Upside7.58% Upside
Rating ConsensusHold
Number of Analyst Covering5
EPS Forecast (FY)5.14
Revenue Forecast (FY)$457.54M
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 primarily earns money through its banking subsidiary by generating (1) net interest income and (2) noninterest income. Net interest income is produced by collecting interest and fees on loans and other interest-earning assets (...
Stock Yards Bancorp Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
78
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 559.59M | 564.54M | 500.95M | 432.46M | 330.55M | 238.51M |
| Gross Profit | 385.63M | 390.56M | 335.38M | 319.31M | 302.02M | 233.26M |
| EBITDA | 202.31M | 185.99M | 157.72M | 159.87M | 141.14M | 106.73M |
| Net Income | 149.51M | 140.15M | 114.54M | 107.75M | 92.97M | 74.64M |
Balance Sheet | ||||||
| Total Assets | 9.51B | 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 | 8.32B | 8.46B | 7.92B | 7.31B | 6.74B | 5.97B |
| Stockholders Equity | 1.19B | 1.08B | 940.48M | 858.10M | 760.43M | 675.87M |
Cash Flow | ||||||
| Free Cash Flow | 147.33M | 154.00M | 133.02M | 98.97M | 90.30M | 97.52M |
| Operating Cash Flow | 160.57M | 166.05M | 142.87M | 106.70M | 108.74M | 102.10M |
| Investing Cash Flow | 79.33M | -106.50M | -677.06M | -424.05M | -384.43M | -78.87M |
| Financing Cash Flow | 151.52M | 535.81M | 559.25M | 415.94M | -518.14M | 620.02M |
Stock Yards Bancorp Technical Analysis
Positive
81.80
Price Trends
78.83
Positive
74.35
Positive
70.21
Positive
Market Momentum
1.71
Positive
61.88
Neutral
58.22
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 81.8 is below the 20-day moving average (MA) of 83.79, above the 50-day MA of 78.83, and above the 200-day MA of 70.21, indicating a bullish trend. The MACD of 1.71 indicates Positive momentum. The RSI at 61.88 is Neutral, neither overbought nor oversold. The STOCH value of 58.22 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $2.78B | 13.06 | 11.26% | 2.82% | 14.46% | 46.91% | |
75 Outperform | $2.64B | 16.88 | 13.56% | 1.56% | 9.30% | 15.23% | |
74 Outperform | $2.40B | 13.10 | 9.42% | 1.97% | 7.98% | -4.69% | |
72 Outperform | $2.50B | 12.15 | 10.65% | 2.85% | 2.89% | 15.51% | |
70 Outperform | $2.82B | 9.84 | 13.57% | ― | 11.55% | 103.48% | |
68 Neutral | $2.74B | 20.60 | 8.01% | 1.50% | 4.15% | 36.83% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
SYBT
Stock Yards Bancorp
85.06
10.85
14.62%
BANR
Banner
74.01
11.90
19.16%
EFSC
Enterprise Financial Services
66.43
10.64
19.06%
FBNC
First Bancorp
66.34
14.88
28.91%
NBTB
NBT Bancorp
53.56
12.65
30.91%
CUBI
Customers Bancorp
83.58
17.03
25.59%
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.