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Upturn AI Summary - About
Stock Yards Bancorp Inc(SYBT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SYBT
11/06/2026: SYBT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Stock Yards Bancorp Inc is a stable regional bank holding company centered in Kentucky, Indiana, and Ohio that provides commercial, retail, and wealth management services. The bank is recognized for its disciplined credit management and long-term commitment to shareholder dividends. Its primary growth strategy focuses on organic expansion and selective regional acquisitions. Key risks include geographic concentration, interest rate sensitivity, and intense competition from larger national banks. Given its conservative management and reliable payout history, Stock Yards Bancorp is generally well-suited for value-oriented and income-focused investors who prioritize stability, though prospective investors should monitor the bank's ability to maintain margins in changing rate environments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential through market expansion but is not a high-growth tech-style stock. |
| Momentum investor | Weak fit | This stock is generally driven by fundamental value rather than high-velocity momentum signals. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples typical of solid regional banks. |
| Dividend investor | Strong fit | Consistent dividend history makes it an attractive choice for income-focused portfolios. |
| Low-risk investor | Strong fit | Conservative management and strong credit history appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate based on interest rate sentiment and broader economic indicators. |
| Valuation risk | Low | The stock generally trades in line with sector peers based on historical earnings metrics. |
| Competition risk (regional banking competition) | Medium / high | Large national banks aggressively compete for commercial customers in the company's core regions. |
| Business quality | Strong | The company has maintained a long-standing reputation for solid credit quality and prudent risk management. |
| Dividend income | Low | The dividend is supported by consistent, though cyclical, earnings power. |
| Execution risk | Medium | Integration of past acquisitions and ongoing digital upgrades require operational discipline. |
Analysis of Past Performance
Type Stock | Historic Profit 9.37% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.46B USD | Price to earnings Ratio 15.27 | 1Y Target Price 87.6 |
Price to earnings Ratio 15.27 | 1Y Target Price 87.6 | ||
Volume (30-day avg) 147.9K shares | Beta 0.75 | 52 Weeks Range 60.92 - 88.85 | Updated Date 11/06/2026 |
52 Weeks Range 60.92 - 88.85 | Updated Date 11/06/2026 | ||
Dividends yield (FY) 1.63% | Basic EPS (TTM) 5.19 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank profits from the spread between the interest it collects from borrowers and what it pays to savers. |
| Wealth Management Fees | Trust, investment advisory, and private banking services fees. | This is a stable source of fee income that does not rely as heavily on interest rate fluctuations. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-28 | When Before Market | Estimate 1.34 | Actual 1.4 |
Profitability
Profit Margin 35.79% | Operating Margin (TTM) 49.33% |
Management Effectiveness
Return on Assets (TTM) 1.6% | Return on Equity (TTM) 14.04% |
Valuation
Trailing PE 15.27 | Forward PE 17.67 | Enterprise Value 2.16B | Price to Sales(TTM) 5.62 |
Enterprise Value 2.16B | Price to Sales(TTM) 5.62 | ||
Enterprise Value to Revenue 5.68 | Enterprise Value to EBITDA - | Shares Outstanding 31.07M | Shares Floating 27.69M |
Shares Outstanding 31.07M | Shares Floating 27.69M | ||
Percent Insiders 7.17 | Percent Institutions 66.97 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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