Stock Yards Bancorp, Inc. SYBT R2K

Financial Services · Banks - Regional · United States

https://www.syb.com

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.

Market & Price

Market Cap

$2.12B

Current Price

$71.74

High / Low (52W)

$81.86 / $62.09

Beta

0.71

Valuation

Stock P/E

14.76

Industry PE

12.01

Forward P/E

12.92

PEG Ratio

1.33

Book Value

$35.29

Price to Book

2.03

P/S

5.30

EV/EBITDA

Dividend Yield

1.79%

Profitability & Returns

ROCE

ROE

13.81%

ROA

1.55%

Profit Margin

35.93%

Op Margin

47.43%

EPS (Latest Qtr)

$1.24

EPS (TTM)

$4.86

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$455.89M

Total Assets

$9.54B

Current Assets

Working Capital

Ownership

Promoter Holding

7.57%

Chg in Prom Hold

FII / Inst Holding

64.01%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.91B

Total Revenue (TTM)

$399.30M

EBITDA

Free Cash Flow

Operating Cash Flow

$158.51M

Shares Outstanding

29.52M

Gross Margin

0.00%

Payout Ratio

26.13%

Growth (CAGR)

Revenue 5Y

7.65%

Profit 5Y

14.66%

Revenue (YoY)

9.40%

Earnings (YoY)

9.70%

PROS

Excellent profit margin of 35.9%.
Profit CAGR of 14.7% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SYBT Stock Yards Bancorp, Inc. R2K	71.74	14.76	$2.12B	1.79%	-	13.81%	7.65%	14.66%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	5.50M	5.34M	5.38M	-	5.44M	5.66M	5.74M	-	6.22M	5.73M	5.66M	-	6.25M	6.86M	-	-	-	-	-	-	-	-	-	-	-	-	-	91.73M	95.84M	99.53M	102.48M	100.61M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	40.61M	41.53M	43.23M	41.90M	39.22M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	41.62M	42.95M	45.71M	47.92M	46.15M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.35M	8.92M	9.47M	11.31M	9.55M
Net Income	9.84M	10.11M	10.47M	10.62M	10.79M	10.60M	11.70M	4.95M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	29.05M	27.66M	27.09M	25.89M	27.60M	-	-	33.27M	34.02M	36.24M	36.61M	36.59M
Diluted EPS	0.44	0.45	0.46	0.46	0.47	0.46	0.51	0.22	0.58	0.59	0.60	0.64	0.68	0.72	0.76	0.73	0.58	0.59	0.64	0.78	0.99	0.17	0.87	0.92	0.29	0.91	0.97	1.01	0.99	0.94	0.92	0.88	0.94	-	-	1.13	1.15	1.23	1.24	1.24

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	23.77M	20.50M	21.54M	22.64M	23.41M	-	312.28M	333.10M	345.11M	389.57M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	18.27M	99.36M	155.84M	167.28M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	120.48M	137.93M	144.37M	178.20M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	27.19M	30.18M	29.83M	38.05M
Net Income	-	-	-	-	-	-	-	-	-	-	-	-	-	92.97M	107.75M	114.54M	140.15M
Diluted EPS	1.19	1.67	1.71	1.85	1.89	1.57	1.65	1.80	1.66	2.42	2.89	2.59	-	3.21	3.67	3.89	4.75

Compounded Sales Growth

5 Years:	7.65%
1 Year:	9.40%

Compounded Profit Growth

5 Years:	14.66%
1 Year:	9.70%

Stock Price Performance

1 Year:	-0.70%
6 Months:	+8.04%
3 Months:	+12.42%
1 Month:	+1.26%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.90B	2.05B	2.15B	2.39B	2.56B	2.82B	3.04B	3.24B	3.30B	3.72B	4.61B	6.65B	7.50B	8.17B	8.86B	9.54B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	27.11M	32.42M	41.66M	54.92M	67.70M	70.77M	74.24M	103.83M	47.97M	139.25M	198.94M	249.72M	-	-	82.52M	94.47M	78.92M	70.06M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22.16M	26.83M	27.70M	28.78M
Total Liabilities	-	-	1.73B	1.87B	1.94B	2.16B	2.30B	2.53B	2.73B	2.91B	2.94B	3.32B	4.17B	5.97B	6.74B	7.31B	7.92B	8.46B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	76.34M	226.74M	326.81M	326.81M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	76.34M	226.74M	326.81M	326.81M
Total Equity	144.50M	153.61M	169.86M	187.69M	205.07M	229.44M	259.89M	286.52M	313.87M	333.64M	366.50M	406.30M	440.70M	675.87M	760.43M	858.10M	940.48M	1.08B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	29.26M	29.33M	29.43M	29.48M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	-	-	43.17M	63.26M	53.68M	65.89M	58.44M	77.12M	-	108.74M	106.70M	142.87M	166.05M
Investing Cash Flow	-	-	-	-	-	-	-227.12M	-289.57M	-114.70M	-11.57M	-163.17M	-804.72M	-	-384.43M	-424.05M	-677.06M	-106.50M
Financing Cash Flow	-	-	-	-	-	-	213.54M	170.45M	152.30M	5.37M	155.52M	795.81M	-	-518.14M	415.94M	559.25M	535.81M
Capital Expenditure	-2.61M	-6.17M	-8.25M	-3.30M	-2.37M	-2.52M	-3.46M	-6.33M	-2.79M	-7.06M	-5.10M	-5.46M	-	-18.44M	-7.73M	-9.85M	-12.04M
Free Cash Flow	-	-	-	-	-	-	39.71M	56.94M	50.89M	58.83M	53.34M	71.67M	-	90.30M	98.97M	133.02M	154.00M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-793.83M	98.59M	25.06M	595.36M
Share Buybacks	393.00K	396.00K	167.00K	205.00K	331.00K	616.00K	918.00K	1.92M	2.39M	2.00M	11.82M	2.27M	3.83M	4.81M	2.69M	4.22M	2.09M
Dividends Paid	9.21M	11.77M	9.93M	10.69M	11.67M	12.92M	14.22M	16.09M	18.08M	21.77M	23.54M	24.48M	28.20M	33.30M	34.58M	35.84M	37.11M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	29.8%	32.3%	33.2%	36.0%
ROE %	-	-	-	-	-	-	-	-	-	-	-	-	-	12.2%	12.6%	12.2%	13.0%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

7.57%

Institutions

64.01%

Public Float

69.26%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	6.61%	1.95M	$139.88M
2	Kayne Anderson Rudnick Investment Management LLC	4.50%	1.33M	$95.19M
3	Stock Yards Bank & Trust Company	4.47%	1.32M	$94.60M
4	Vanguard Capital Management LLC	3.95%	1.17M	$83.70M
5	Neuberger Berman Group, LLC	3.51%	1.04M	$74.29M
6	State Street Corporation	3.27%	963.72K	$69.14M
7	Victory Capital Management Inc.	3.20%	944.30K	$67.74M
8	Dimensional Fund Advisors LP	2.98%	879.21K	$63.07M
9	Geode Capital Management, LLC	2.28%	672.94K	$48.28M
10	Vanguard Portfolio Management LLC	1.57%	464.02K	$33.29M

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