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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
09/25/2026: SYBT (2-star) is currently NOT-A-BUY. Pass it for now.
Stock Yards Bancorp Inc is a regional bank holding company providing comprehensive retail, commercial, and wealth management services, primarily within Kentucky, Indiana, and Ohio. The company is noted for its disciplined, relationship-driven banking model and a diversified revenue structure enhanced by substantial fee-based wealth management. A key growth story remains its history of successful regional acquisitions that expand its market share and deposit base. Risks primarily include interest rate sensitivity, regional economic concentration, and increasing competition from national players. It may suit dividend-focused or value-oriented investors seeking stable, long-term exposure to the regional banking sector, provided they monitor the firm's success in digital integration and ongoing inorganic growth strategies.
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 | Growth is steady rather than explosive, driven by regional consolidation. |
| Momentum investor | Weak fit | The stock typically exhibits lower beta and more stable, long-term trends rather than short-term price momentum. |
| Value investor | Strong fit | The company is often priced in line with regional bank multiples, offering fair value for conservative investors. |
| Dividend investor | Strong fit | The company maintains a reliable dividend policy supported by stable core earnings. |
| Low-risk investor | Strong fit | Conservative management and strong regional history provide a relatively defensive profile in the banking sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Banking stocks are inherently sensitive to interest rate expectations and economic cycles. |
| Valuation risk | Low | The company usually trades at moderate earnings multiples consistent with its regional peers. |
| Competition risk (National Banks) | Medium / high | Large national banks have significant cost advantages in digital platforms and product offerings. |
| Business quality | Strong | The bank has a well-regarded reputation and solid asset quality metrics over many years. |
| Dividend income | Low / none | The dividend is generally considered secure due to the firm's consistent profitability. |
| Execution risk | Medium | Successful growth remains dependent on integrating future acquisitions effectively. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 12.51% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/25/2026 |
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 2.44B USD | Price to earnings Ratio 15.65 | 1Y Target Price 90.2 |
Price to earnings Ratio 15.65 | 1Y Target Price 90.2 | ||
Volume (30-day avg) 150.3K shares | Beta 0.67 | 52 Weeks Range 60.92 - 88.85 | Updated Date 09/25/2026 |
52 Weeks Range 60.92 - 88.85 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 1.64% | Basic EPS (TTM) 5.02 |
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 customer deposits. | The bank profits primarily from the 'spread' between loan interest rates and deposit rates. |
| Wealth Management | Fees charged for investment management, trust services, and financial planning. | This provides a steady, non-interest-dependent stream of fee revenue. |
| Geographic Operations | Retail and commercial banking services provided primarily in Kentucky, Indiana, and Ohio. | Regional economic health in the Ohio Valley is a key factor in business performance. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 15.65 | Forward PE 17.67 | Enterprise Value 2.07B | Price to Sales(TTM) 5.84 |
Enterprise Value 2.07B | Price to Sales(TTM) 5.84 | ||
Enterprise Value to Revenue 6.42 | 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 66.38 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About Stock Yards Bancorp Inc
Exchange NASDAQ | Headquarters Louisville, KY, United States | ||
IPO Launch date 1993-03-26 | CEO & Chairman of the Board Mr. James A. Hillebrand | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1270 | Website https://www.syb.com |
Full time employees 1270 | Website 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.
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