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Upturn AI SWOT - About
SYBT 
Stock Yards Bancorp Inc (SYBT)
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Upturn Advisory Summary
09/17/2025: SYBT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $84.2
1 Year Target Price $84.2
| 0 | Strong Buy |
| 0 | Buy |
| 6 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.05% | Avg. Invested days 38 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.19B USD | Price to earnings Ratio 17.06 | 1Y Target Price 84.2 |
Price to earnings Ratio 17.06 | 1Y Target Price 84.2 | ||
Volume (30-day avg) 6 | Beta 0.74 | 52 Weeks Range 56.16 - 83.48 | Updated Date 09/17/2025 |
52 Weeks Range 56.16 - 83.48 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 1.66% | Basic EPS (TTM) 4.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.21% | Operating Margin (TTM) 47.18% |
Management Effectiveness
Return on Assets (TTM) 1.47% | Return on Equity (TTM) 13.51% |
Valuation
Trailing PE 17.06 | Forward PE 17.67 | Enterprise Value 2245765888 | Price to Sales(TTM) 6 |
Enterprise Value 2245765888 | Price to Sales(TTM) 6 | ||
Enterprise Value to Revenue 6.89 | Enterprise Value to EBITDA - | Shares Outstanding 29473300 | Shares Floating 26103351 |
Shares Outstanding 29473300 | Shares Floating 26103351 | ||
Percent Insiders 8.07 | Percent Institutions 64.84 |
Upturn AI SWOT
Stock Yards Bancorp Inc
Company Overview
History and Background
Stock Yards Bancorp, Inc. was founded in 1904 in Louisville, Kentucky, initially serving the livestock industry. Over time, it has diversified into a full-service financial institution offering banking, wealth management, and trust services, expanding its presence throughout Kentucky, Indiana, and Ohio through organic growth and acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial loans, lines of credit, treasury management, and deposit accounts.
- Retail Banking: Offers consumer banking products and services such as checking and savings accounts, mortgages, personal loans, and credit cards.
- Wealth Management and Trust Services: Delivers investment management, financial planning, estate planning, and trust administration services to individuals, families, and institutions.
Leadership and Structure
Stock Yards Bancorp Inc. is led by its CEO, James Hillebrand. The organizational structure includes various departments such as lending, retail banking, wealth management, finance, and operations, reporting to the executive management team and the board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans constitute a significant portion of the bank's loan portfolio. Competitors: Chase, PNC, Fifth Third Bank. No precise market share is publicly available, but SYBT competes regionally within its geographic footprint.
- Mortgage Loans: Mortgage products are essential for retail banking. Competitors: Chase, Regions, and local credit unions. No precise market share is publicly available, but SYBT competes regionally within its geographic footprint.
- Wealth Management Services: Investment management and financial planning for high net worth individuals. Competitors: Merrill Lynch, Morgan Stanley, and independent RIAs. No precise market share is publicly available, but SYBT competes regionally within its geographic footprint.
Market Dynamics
Industry Overview
The banking industry is currently navigating a landscape influenced by rising interest rates, regulatory changes, technological advancements (fintech), and increased competition. Regional banks are under increased scrutiny regarding capital adequacy and risk management.
Positioning
Stock Yards Bancorp Inc. positions itself as a relationship-focused community bank, offering personalized service and local expertise. Its competitive advantages include a strong regional presence, established customer relationships, and a conservative credit culture.
Total Addressable Market (TAM)
The TAM for regional banking services in Kentucky, Indiana, and Ohio is estimated to be in the billions of dollars annually. Stock Yards Bancorp Inc. is positioned to capture a portion of this market through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional brand recognition
- Experienced management team
- Conservative credit culture
- Diversified revenue streams
- Strong capital position
Weaknesses
- Limited geographic footprint compared to larger national banks
- Dependence on net interest income
- Higher expense ratios compared to larger banks due to branch network
Opportunities
- Acquisitions of smaller community banks
- Expansion into new geographic markets
- Increased penetration of wealth management services
- Adoption of new technologies to improve efficiency
- Growth in commercial lending activities
Threats
- Increased competition from larger national banks and fintech companies
- Rising interest rates impacting net interest margin
- Economic downturn affecting loan quality
- Regulatory changes increasing compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- FITB
- KEY
- JPM
Competitive Landscape
Stock Yards Bancorp Inc. competes with larger national banks by focusing on relationship banking and local market expertise. Its advantages include personalized service and a strong regional brand, while disadvantages include limited scale and geographic reach.
Major Acquisitions
CBT Financial Corp.
- Year: 2022
- Acquisition Price (USD millions): 184
- Strategic Rationale: Expanded Stock Yards Bancorp's presence in the Lexington, Kentucky market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires real time data.
Future Projections: Future projections requires real time data.
Recent Initiatives: Recent initiatives includes acquisitions and expansion of wealth management services.
Summary
Stock Yards Bancorp Inc. is a well-managed regional bank with a strong presence in Kentucky, Indiana, and Ohio. It benefits from a conservative credit culture and diversified revenue streams. Future growth may depend on its ability to execute acquisitions and expand its wealth management business. Increased competition and rising interest rates pose potential challenges.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and should not be construed as financial advice. Market conditions and company performance are subject to change.
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.
About Stock Yards Bancorp Inc
Exchange NASDAQ | Headquaters 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 1118 | Website https://www.syb.com |
Full time employees 1118 | 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 provides investment management, financial and retirement planning, and trust and estate services, as well as retirement plan management for businesses and corporations. It provides services in Louisville, central, eastern, and northern Kentucky, as well as Indianapolis, Indiana and Cincinnati, Ohio metropolitan markets. The company was founded in 1904 and is headquartered in Louisville, Kentucky.
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