SYBT Stock Analysis: Stock Yards Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.282m USD | 12M Return: -4.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 15.8M
EPS Trend: 84.7%
Qual. Beats: 1
Rev. Trend: 99.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Stock Yards Bancorp, Inc. (SYBT) is the holding company for Stock Yards Bank & Trust Company, a Louisville, Kentucky-based financial institution founded in 1904 that provides banking and financial services to individuals, corporations, and other clients across the United States. The company operates through two main segments: Commercial Banking, which offers a full suite of loan, deposit, mortgage, treasury management, merchant, and digital banking services along with securities brokerage through a third-party arrangement; and WM&T (Wealth Management & Trust), which provides investment management, financial and retirement planning, trust and estate administration, and retirement plan management for businesses and individuals.
As a mid-cap regional bank in the Financials sector, SYBT follows a traditional community banking model focused on relationship-based lending and deposit gathering in its core markets, with WM&T serving as a fee-based income diversifier that reduces reliance on net interest margin. Listed on NASDAQ since 1993, the company combines core commercial banking operations with trust and wealth services-a structure commonly used by regional banks to deepen client relationships and generate more stable, recurring non-interest revenue.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio poses credit risk concerns
- Wealth management and trust fees expand recurring revenue base
| Net Income: 143.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.04 > 1.0 |
| NWC/Revenue: -1.26k% < 20% (prev -1.25k%; Δ -11.47% < -1%) |
| CFO/TA 0.02 > 3% & CFO 158.5m > Net Income 143.5m |
| Net Debt (-187.4m) to EBITDA (192.3m): -0.97 < 3 |
| Current Ratio: 0.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (29.5m) vs 12m ago 0.00% < -2% |
| Gross Margin: 69.63% > 18% (prev 67.16%; Δ 2.46% > 0.5%) |
| Asset Turnover: 6.18% > 50% (prev 5.73%; Δ 0.45% > 0%) |
| Interest Coverage Ratio: 1.10 > 6 (EBIT TTM 182.7m / Interest Expense TTM 165.9m) |
| A: -0.76 (Total Current Assets 646.4m - Total Current Liabilities 7.85b) / Total Assets 9.47b |
| B: 0.07 (Retained Earnings 698.1m / Total Assets 9.47b) |
| C: 0.02 (EBIT TTM 182.7m / Avg Total Assets 9.23b) |
| D: 0.13 (Book Value of Equity 1.10b / Total Liabilities 8.36b) |
| Altman-Z'' = -4.48 = D |
| DSRI: 0.56 (Receivables 28.6m/46.2m, Revenue 570.6m/515.2m) |
| GMI: 0.96 (GM 67.16% / 69.63%) |
| AQI: 1.05 (AQ_t 0.92 / AQ_t-1 0.88) |
| SGI: 1.11 (Revenue 570.6m / 515.2m) |
| TATA: -0.00 (NI 143.5m - CFO 158.5m) / TA 9.47b) |
| Beneish M = -3.31 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 76.68 with a total of 124,025 shares traded. Over the past week, the price has changed by +1.32%, over one month by +6.14%, over three months by +12.65% and over the past year by -4.92%.
Current recommended Stop Loss: 71.60 (which is 6.6% or 2.7 ATR below the current price).
Stock Yards Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold SYBT.
- StrongBuy: 0
- Buy: 0
- Hold: 6
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 77.8 | 1.5% |
P/E Trailing = 15.9115
P/E Forward = 17.2117
P/S = 5.7766
P/B = 2.0913
P/EG = 1.3328
Revenue TTM = 570.6m USD
EBIT TTM = 182.7m USD
EBITDA TTM = 192.3m USD
Long Term Debt = 326.8m USD (from longTermDebt, last quarter)
Short Term Debt = 94.9m USD (from shortTermDebt, last quarter)
Debt = 421.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -187.4m USD (calculated: Debt 421.7m - CCE 609.1m)
Enterprise Value = 2.10b USD (2.28b + Debt 421.7m - CCE 609.1m)
Interest Coverage Ratio = 1.10 (Ebit TTM 182.7m / Interest Expense TTM 165.9m)
EV/FCF = 14.38x (Enterprise Value 2.10b / FCF TTM 145.7m)
FCF Yield = 6.95% (FCF TTM 145.7m / Enterprise Value 2.10b)
FCF Margin = 25.53% (FCF TTM 145.7m / Revenue TTM 570.6m)
Net Margin = 25.14% (Net Income TTM 143.5m / Revenue TTM 570.6m)
Gross Margin = 69.63% ((Revenue TTM 570.6m - Cost of Revenue TTM 173.3m) / Revenue TTM)
Gross Margin QoQ = 71.28% (prev 70.23%)
Tobins Q-Ratio = 0.22 (Enterprise Value 2.10b / Total Assets 9.47b)
Interest Expense / Debt = 39.34% (Interest Expense 165.9m / Debt 421.7m)
Taxrate = 21.48% (39.2m / 182.7m)
NOPAT = 143.5m (EBIT 182.7m * (1 - 21.48%))
Current Ratio = 0.08 (Total Current Assets 646.4m / Total Current Liabilities 7.85b)
Debt / Equity = 0.38 (Debt 421.7m / totalStockholderEquity, last quarter 1.10b)
Debt / EBITDA = -0.97 (Net Debt -187.4m / EBITDA 192.3m)
Debt / FCF = -1.29 (Net Debt -187.4m / FCF TTM 145.7m)
Total Stockholder Equity = 1.06b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.55% (Net Income 143.5m / Total Assets 9.47b)
RoE = 13.58% (Net Income TTM 143.5m / Total Stockholder Equity 1.06b)
RoCE = 13.21% (EBIT 182.7m / Capital Employed (Equity 1.06b + L.T.Debt 326.8m))
RoIC = 8.54% (NOPAT 143.5m / Invested Capital 1.68b)
WACC = 11.92% (E(2.28b)/V(2.70b) * Re(8.42%) + D(421.7m)/V(2.70b) * Rd(39.34%) * (1-Tc(0.21)))
Discount Rate = 8.42% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 0.26%
[DCF] Terminal Value 65.24% ; FCFF base≈141.5m ; Y1≈151.1m ; Y5≈181.1m
[DCF] Fair Price = 64.60 (EV 1.72b - Net Debt -187.4m = Equity 1.91b / Shares 29.5m; r=11.92% [WACC]; 5y FCF grow 7.69% → 2.50% )
EPS Correlation: 84.72 | EPS CAGR: 11.23% | SUE: 1.96 | # QB: 1
Revenue Correlation: 99.01 | Revenue CAGR: 14.78% | SUE: 0.70 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.24 | Chg30d=+0.00% | Revisions=+57% | Analysts=5
EPS next Quarter (2026-09-30): EPS=1.29 | Chg30d=+0.00% | Revisions=+29% | Analysts=5
EPS current Year (2026-12-31): EPS=5.11 | Chg30d=+0.00% | Revisions=+57% | GrowthEPS=+7.6% | GrowthRev=+13.8%
EPS next Year (2027-12-31): EPS=5.55 | Chg30d=+0.00% | Revisions=+57% | GrowthEPS=+8.7% | GrowthRev=+8.9%
[Analyst] Revisions Ratio: +74% (up=15, down=1)