tiprankstipranks
Trending News
More News >
Stock Yards Bancorp (SYBT)
NASDAQ:SYBT
Advertisement

Stock Yards Bancorp (SYBT) AI Stock Analysis

Compare
202 Followers

Top Page

SYBT

Stock Yards Bancorp

(NASDAQ:SYBT)

Rating:72Outperform
Price Target:
$91.00
▲(11.60%Upside)
Stock Yards Bancorp demonstrates strong financial performance with solid revenue growth, profitability, and cash generation, which is the most significant factor in its overall score. While the technical indicators show bullish momentum, caution is advised due to overbought signals. The valuation is fair but not particularly attractive, which slightly tempers the overall positive outlook.
Positive Factors
Financial Performance
Stock Yards delivered peer-leading year-to-date financial results, with EPS and PPNR exceeding consensus expectations.
Loan and Deposit Growth
Year-to-date loan growth of 8.8% at Stock Yards is more than double that of peers, and deposit trends also outperformed.
Negative Factors
Valuation Concerns
Stock Yards' P/E ratio is currently high, trading at the 83rd percentile of its valuation range, which suggests caution in future valuation forecasting.

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

Stock Yards Bancorp Business Overview & Revenue Model

Company DescriptionStock Yards Bancorp, Inc. is a financial holding company headquartered in Louisville, Kentucky, operating primarily through its subsidiary, Stock Yards Bank & Trust Company. The company provides a wide range of banking and financial services, including personal and commercial banking, wealth management, and investment services. It serves individuals, businesses, and organizations in the Kentucky, Indiana, and Ohio regions, focusing on personalized customer service and community banking.
How the Company Makes MoneyStock Yards Bancorp generates revenue primarily through interest income derived from its lending activities, including personal loans, commercial loans, and mortgage loans. The company also earns non-interest income through fees and service charges related to deposit accounts, wealth management services, and treasury management solutions. Stock Yards Bancorp benefits from its community-focused banking model, which emphasizes strong customer relationships and local market knowledge. Additionally, the company's wealth management division contributes to revenue through investment advisory fees and fiduciary services. Overall, Stock Yards Bancorp's diversified financial services and commitment to community banking drive its earnings.

Stock Yards Bancorp Financial Statement Overview

Summary
Stock Yards Bancorp presents a robust financial profile with solid revenue growth, profitability, and cash generation. The income statement shows impressive margins and growth, while the balance sheet reflects financial stability and effective use of equity. Cash flow analysis underscores strong cash generation, supporting the company's operational needs. The overall financial health is strong, positioning the company well in the regional banking sector.
Income Statement
85
Very Positive
Stock Yards Bancorp demonstrates strong revenue growth with a TTM revenue increase of 2.9% from the previous year. The gross profit margin is robust at 67.2%, and the net profit margin stands at a healthy 23.7%. The EBIT and EBITDA margins are 29.7% and 31.8%, respectively, indicating solid profitability. Overall, the company's income statement reflects stable and improving financial health, with consistent growth and profitability.
Balance Sheet
78
Positive
The balance sheet shows a solid equity ratio of 10.8%, indicating a stable financial structure with moderate leverage. The debt-to-equity ratio is 0.50, reflecting a balanced approach to leveraging debt. The return on equity is strong at 12.5%, suggesting effective use of equity to generate profits. Overall, the balance sheet is stable, with a healthy capital structure and effective equity utilization, though there is room for improving the equity ratio further.
Cash Flow
80
Positive
Cash flow analysis reveals a positive trajectory with a 1.7% growth in free cash flow. The operating cash flow to net income ratio is 1.19, indicating good cash generation relative to net income. The free cash flow to net income ratio is 1.11, suggesting efficient conversion of income to cash. Overall, the cash flow statement reflects strong cash generation and effective capital management, contributing to financial stability.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue500.95M432.46M330.55M238.51M197.16M
Gross Profit335.38M319.31M302.02M232.51M166.31M
EBITDA157.72M159.87M141.14M106.73M77.49M
Net Income114.54M107.75M92.97M74.64M58.87M
Balance Sheet
Total Assets8.86B8.17B7.50B6.65B4.61B
Cash, Cash Equivalents and Short-Term Investments1.07B1.13B1.23B1.24B630.16M
Total Debt496.30M392.58M218.47M85.84M91.08M
Total Liabilities7.92B7.31B6.74B5.97B4.17B
Stockholders Equity940.48M858.10M760.43M675.87M440.70M
Cash Flow
Free Cash Flow133.02M98.97M90.30M97.52M71.67M
Operating Cash Flow142.87M106.70M108.74M102.10M77.13M
Investing Cash Flow-677.06M-424.05M-384.43M-78.87M-804.72M
Financing Cash Flow559.25M415.94M-518.14M620.02M795.81M

Stock Yards Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price81.54
Price Trends
50DMA
76.80
Positive
100DMA
73.11
Positive
200DMA
72.04
Positive
Market Momentum
MACD
0.81
Positive
RSI
60.13
Neutral
STOCH
61.75
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 81.54 is above the 20-day moving average (MA) of 79.63, above the 50-day MA of 76.80, and above the 200-day MA of 72.04, indicating a bullish trend. The MACD of 0.81 indicates Positive momentum. The RSI at 60.13 is Neutral, neither overbought nor oversold. The STOCH value of 61.75 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 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
81
Outperform
$2.22B14.039.55%3.96%12.11%16.58%
80
Outperform
$2.32B10.8010.99%2.45%17.67%
74
Outperform
$2.63B25.465.81%1.47%-5.60%-22.11%
73
Outperform
$2.15B14.464.94%5.96%23.09%1086.91%
72
Outperform
$2.30B18.8331.33%1.52%13.22%22.43%
71
Outperform
$2.01B15.935.89%2.77%2.60%14.96%
68
Neutral
$17.10B11.629.70%3.86%11.32%-7.37%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SYBT
Stock Yards Bancorp
81.54
21.25
35.25%
HTH
Hilltop Holdings
31.36
-1.97
-5.91%
NBTB
NBT Bancorp
42.43
-4.48
-9.55%
PPBI
Pacific Premier Bancorp
22.15
-2.98
-11.86%
TRMK
Trustmark
38.34
5.61
17.14%
FBK
FB Financial
48.54
2.92
6.40%

Stock Yards Bancorp Corporate Events

Stock Buyback
Stock Yards Bancorp Announces New Stock Buyback Program
Neutral
Jul 18, 2025

On July 15, 2025, Stock Yards Bancorp, Inc. announced a new stock repurchase program, authorizing the buyback of up to one million shares, which is approximately 3.4% of its total outstanding common stock. This plan replaces a previous one that expired in May 2025, with the last repurchase occurring in 2019. The company aims to manage the repurchase based on stock price, market conditions, and corporate considerations, while complying with regulatory requirements. The program is set to expire in two years, but it can be modified or terminated at any time, and there is no obligation to repurchase a specific amount or number of shares.

The most recent analyst rating on (SYBT) stock is a Hold with a $80.00 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: Jul 03, 2025