SYBT Stock Analysis: Stock Yards Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.448m USD | 12M Return: 12.8% | US8610251048 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 12.1M
EPS Trend: 91.9%
Qual. Beats: 2
Rev. Trend: 97.9%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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: 149.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.02 > 1.0 |
| NWC/Revenue: -1.28k% < 20% (prev -1.22k%; Δ -63.42% < -1%) |
| CFO/TA 0.02 > 3% & CFO 160.6m > Net Income 149.5m |
| Net Debt (-187.4m) to EBITDA (202.3m): -0.93 < 3 |
| Current Ratio: 0.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.6m) vs 12m ago 3.61% < -2% |
| Gross Margin: 68.91% > 18% (prev 67.45%; Δ 1.46% > 0.5%) |
| Asset Turnover: 5.98% > 50% (prev 5.78%; Δ 0.20% > 0%) |
| Interest Coverage Ratio: 1.16 > 6 (EBIT TTM 190.5m / Interest Expense TTM 164.8m) |
| A: -0.75 (Total Current Assets 646.4m - Total Current Liabilities 7.81b) / Total Assets 9.51b |
| B: 0.08 (Retained Earnings 728.0m / Total Assets 9.51b) |
| C: 0.02 (EBIT TTM 190.5m / Avg Total Assets 9.36b) |
| D: 0.14 (Book Value of Equity 1.19b / Total Liabilities 8.32b) |
| Altman-Z'' = -4.40 = D |
| DSRI: 0.59 (Receivables 28.6m/46.3m, Revenue 559.6m/532.4m) |
| GMI: 0.98 (GM 67.45% / 68.91%) |
| AQI: 1.07 (AQ_t 0.92 / AQ_t-1 0.86) |
| SGI: 1.05 (Revenue 559.6m / 532.4m) |
| TATA: -0.00 (NI 149.5m - CFO 160.6m) / TA 9.51b) |
| Beneish M = -3.31 (Cap -4..+1) = AA |
As of September 27, 2026, the stock is trading at USD 78.57 with a total of 144,072 shares traded. Over the past week, the price has changed by -0.59%, over one month by -1.55%, over three months by +4.02% and over the past year by +12.77%.
Current recommended Stop Loss: 76.00 (which is 3.3% or 1.5 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 | 90.2 | 14.8% |
P/E Trailing = 15.6992
P/E Forward = 17.6678
P/S = 5.8541
P/B = 1.9776
P/EG = 1.3328
Revenue TTM = 559.6m USD
EBIT TTM = 190.5m USD
EBITDA TTM = 202.3m 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 = 2.26b USD (2.45b + Debt 421.7m - CCE 609.1m)
Interest Coverage Ratio = 1.16 (Ebit TTM 190.5m / Interest Expense TTM 164.8m)
EV/FCF = 15.35x (Enterprise Value 2.26b / FCF TTM 147.3m)
FCF Yield = 6.52% (FCF TTM 147.3m / Enterprise Value 2.26b)
FCF Margin = 26.33% (FCF TTM 147.3m / Revenue TTM 559.6m)
Net Margin = 26.72% (Net Income TTM 149.5m / Revenue TTM 559.6m)
Gross Margin = 68.91% ((Revenue TTM 559.6m - Cost of Revenue TTM 174.0m) / Revenue TTM)
Gross Margin QoQ = 65.43% (prev 71.28%)
Tobins Q-Ratio = 0.24 (Enterprise Value 2.26b / Total Assets 9.51b)
Interest Expense / Debt = 39.09% (Interest Expense 164.8m / Debt 421.7m)
Taxrate = 21.54% (41.0m / 190.5m)
NOPAT = 149.5m (EBIT 190.5m * (1 - 21.54%))
Current Ratio = 0.08 (Total Current Assets 646.4m / Total Current Liabilities 7.81b)
Debt / Equity = 0.35 (Debt 421.7m / totalStockholderEquity, last quarter 1.19b)
Debt / EBITDA = -0.93 (Net Debt -187.4m / EBITDA 202.3m)
Debt / FCF = -1.27 (Net Debt -187.4m / FCF TTM 147.3m)
Total Stockholder Equity = 1.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.60% (Net Income 149.5m / Total Assets 9.51b)
RoE = 13.56% (Net Income TTM 149.5m / Total Stockholder Equity 1.10b)
RoCE = 13.33% (EBIT 190.5m / Capital Employed (Equity 1.10b + L.T.Debt 326.8m))
RoIC = 8.46% (NOPAT 149.5m / Invested Capital 1.77b)
WACC = 11.08% (E(2.45b)/V(2.87b) * Re(7.70%) + D(421.7m)/V(2.87b) * Rd(39.09%) * (1-Tc(0.22)))
Discount Rate = 7.70% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 62.75 | Cagr: 1.81%
[DCF] Terminal Value 67.24% ; FCFF base≈144.8m ; Y1≈150.9m ; Y5≈172.2m
[DCF] Fair Price = 64.31 (EV 1.81b - Net Debt -187.4m = Equity 2.00b / Shares 31.1m; r=11.08% [WACC]; 5y FCF grow 4.58% → 2.50% )
EPS Correlation: 91.86 | EPS CAGR: 13.93% | SUE: 4.0 | # QB: 2
Revenue Correlation: 97.89 | Revenue CAGR: 12.66% | SUE: 0.30 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.35 | Chg30d=+4.04% | Revisions=+57% | Analysts=6
EPS current Year (2026-12-31): EPS=5.33 | Chg30d=+4.31% | Revisions=+57% | GrowthEPS=+12.2% | GrowthRev=+15.1%
EPS next Year (2027-12-31): EPS=5.68 | Chg30d=+2.25% | Revisions=+38% | GrowthEPS=+6.6% | GrowthRev=+8.3%
[Analyst] Revisions Ratio: +69% (up=12, down=1)