Stock Yards Bancorp (SYBT)
NASDAQ:SYBT
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Stock Yards Bancorp
(NASDAQ:SYBT)
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Rating:66Neutral
Price Target:
$72.00
▲(10.46% Upside)
Action:DowngradedDate:02/27/26
The score is driven primarily by solid underlying financial performance (steady growth/profitability and improved capitalization) tempered by a sharp 2025 cash flow deterioration and currently weak technical momentum. Reasonable valuation and a positive, potentially EPS-accretive merger provide additional support.
Positive Factors
Revenue Growth & Profitability
Consistent revenue expansion and solid profitability indicate durable core banking performance driven by loans, mortgages and fee businesses. These trends support stable earnings, internal capital generation and the ability to fund organic growth, targeted investments or shareholder distributions over the medium term.
Negative Factors
Cash Flow Volatility
A sharp decline in operating and free cash flow in 2025 introduces material volatility into internal cash generation. For a bank, inconsistent cash flow can constrain liquidity management, capital deployment and stress-test outcomes, making funding, dividend and strategic planning less predictable in the near term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth & Profitability
Consistent revenue expansion and solid profitability indicate durable core banking performance driven by loans, mortgages and fee businesses. These trends support stable earnings, internal capital generation and the ability to fund organic growth, targeted investments or shareholder distributions over the medium term.
Read all positive factors
Stock Yards Bancorp (SYBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.92B
Dividend Yield1.88%
Average Volume (3M)165.40K
Price to Earnings (P/E)13.6
Beta (1Y)0.97
Revenue Growth11.74%
EPS Growth26.27%
CountryUS
Employees1,089
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.24
Shares Outstanding29,478,930
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 Cap1.21
Enterprise Value/Revenue4.16
Enterprise Value/Gross Profit6.03
Enterprise Value/Ebitda12.80
Forecast
1Y Price Target
$75.50Price Target Upside15.83% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.73
Revenue Forecast (FY)$447.35M
Stock Yards Bancorp Business Overview & Revenue Model
Company Description
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, ...
How the Company Makes Money
Stock Yards Bancorp generates revenue through several key streams, primarily from interest income earned on loans and investments. The company primarily provides commercial and residential loans, including mortgages, consumer loans, and business l...
Stock Yards Bancorp Key Performance Indicators (KPIs)
Stock Yards Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
46
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 564.54M | 500.95M | 432.46M | 330.55M | 238.51M |
| Gross Profit | 390.56M | 335.38M | 319.31M | 302.02M | 233.26M |
| EBITDA | 178.20M | 157.72M | 159.87M | 141.14M | 106.73M |
| Net Income | 140.15M | 114.54M | 107.75M | 92.97M | 74.64M |
Balance Sheet | |||||
| Total Assets | 9.54B | 8.86B | 8.17B | 7.50B | 6.65B |
| Cash, Cash Equivalents and Short-Term Investments | 886.38M | 1.07B | 1.13B | 1.23B | 1.24B |
| Total Debt | 479.54M | 496.30M | 392.58M | 218.47M | 85.84M |
| Total Liabilities | 8.46B | 7.92B | 7.31B | 6.74B | 5.97B |
| Stockholders Equity | 1.08B | 940.48M | 858.10M | 760.43M | 675.87M |
Cash Flow | |||||
| Free Cash Flow | 154.00M | 133.02M | 98.97M | 90.30M | 97.52M |
| Operating Cash Flow | 166.05M | 142.87M | 106.70M | 108.74M | 102.10M |
| Investing Cash Flow | -106.50M | -677.06M | -424.05M | -384.43M | -78.87M |
| Financing Cash Flow | 535.81M | 559.25M | 415.94M | -518.14M | 620.02M |
Stock Yards Bancorp Technical Analysis
Negative
65.18
Price Trends
66.38
Negative
66.31
Negative
70.15
Negative
Market Momentum
-0.57
Negative
46.55
Neutral
70.35
Neutral
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 65.18 is above the 20-day moving average (MA) of 63.82, below the 50-day MA of 66.38, and below the 200-day MA of 70.15, indicating a neutral trend. The MACD of -0.57 indicates Negative momentum. The RSI at 46.55 is Neutral, neither overbought nor oversold. The STOCH value of 70.35 is Neutral, 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 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | $2.31B | 18.91 | 7.03% | 1.69% | -5.72% | -3.86% | |
68 Neutral | $2.19B | 11.56 | 9.51% | 3.33% | 11.63% | 5.58% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $2.05B | 10.97 | 10.28% | 2.97% | 6.98% | 15.08% | |
67 Neutral | $2.30B | 11.16 | 11.25% | ― | -0.37% | -20.30% | |
66 Neutral | $1.92B | 13.61 | 13.69% | 1.88% | 11.74% | 26.27% | |
66 Neutral | $1.98B | 9.91 | 10.25% | 2.20% | 6.59% | 9.36% |
* Financial Sector Average
SYBT
Stock Yards Bancorp
65.18
-2.53
-3.73%
BANR
Banner
60.08
-1.43
-2.33%
EFSC
Enterprise Financial Services
53.90
1.58
3.02%
FBNC
First Bancorp
55.70
15.90
39.95%
NBTB
NBT Bancorp
42.02
0.77
1.87%
CUBI
Customers Bancorp
67.25
16.47
32.43%
Stock Yards Bancorp Corporate Events
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Stock Yards Bancorp announces all-stock Field & Main merger
Positive
Jan 27, 2026
On January 27, 2026, Stock Yards Bancorp entered into a definitive all-stock merger agreement to acquire Field Main Bancorp, in a transaction valued at about $105.7 million that will see Field Main shareholders receive 0.6550 shares of Stock Yar...
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.