Stock Yards Bancorp, Inc. (SYBT)
NEUTRALFundamental
69
Price
$80.52
Market Cap
$2.56B
Part 1 · What the company is worth
Overview
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, and WM&T. The Commercial Banking segment offers a range of loan and deposit products to individual consumers and businesses in all its markets through retail lending, mortgage banking, deposit services, online banking, mobile banking, private banking, commercial lending, commercial real estate lending, leasing, treasury management services, merchant services, international banking, correspondent banking, credit card services, and other banking services. This segment also provides securities brokerage services through an arrangement with a third party broker-dealer. The WM&T segment engages in the provision of investment management, financial and retirement planning, and trust and estate services, as well as retirement plan management for businesses and corporations. The company was founded in 1904 and is headquartered in Louisville, Kentucky.
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Direct competitors
Who this company fights with for the same customers
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Balance Sheet & Liquidity
Revenue
$423M
Trailing 12 months (through 6/30/2026)
Net Income
$150M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$154M
Total Equity
$1.08B
Total Liabilities
$8.46B
Current Ratio
-
Interest Coverage
0.59
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$71.45
Current Price
$80.52
Margin of Safety
-12.7%
Fair Value Range
$50.96 - $91.95
Estimation Methods
Valuation Metrics
P/E Ratio
16.29
ROE
13.0%
P/B Ratio
2.04
P/FCF
17.25
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
8.8%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (17)
- EPS shows upward trend
- EPS CAGR 9.04%
- Price CAGR 5.73%
- P/FCF 17.25
- P/B Ratio 2.04
- Operating Margin 45.0%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- ROE 13.4%
- Analyst Consensus 50% Buy
- Earnings Surprise avg 3.5%
- PEG Ratio 1.36
- Earnings Quality (OCF/NI) 1.07
- Share Dilution 0.2%
- Net Margin Trend 35.3% vs 34.3%
- Piotroski F-Score 7/9
Failed (5)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Overvalued)
Unavailable (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
- Revenue Growth 5Y (Finnhub)
Piotroski F-Score
Strong financial health
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Share count is stable
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. James A. Hillebrand | CEO & Chairman of the Board | 57 |
| Mr. Philip S. Poindexter | President & Director | 59 |
| Mr. T. Clay Stinnett | Executive VP, Treasurer & CFO | 51 |
| Mr. William M. Dishman III | Senior Credit Advisor | 62 |
| Mr. Michael V. Rehm | Executive VP & Chief Lending Officer of Stock Yards Bank & Trust Company | 60 |
| Mr. Michael W. Woods | Senior VP & Principal Accounting Officer | 57 |
| Mr. Nathan L. Berger J.D. | General Counsel | - |
| Mr. Stephen Brown | Market President of Cincinnati/NKY | - |
| Mr. Michael J. Croce | Executive VP & Director of Retail Banking of Stock Yards Bank & Trust Company | 55 |
| Ms. Paula Moan | Market President of Indianapolis | - |
Audit Risk
8
Board Risk
4
Compensation Risk
3
Shareholder Rights Risk
4
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for SYBT, sourced from Markets Gazette.