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SYBT 
Stock Yards Bancorp Inc (SYBT)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
12/04/2025: SYBT (1-star) is currently NOT-A-BUY. Pass it for now.
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 $76.6
1 Year Target Price $76.6
| 0 | Strong Buy |
| 0 | Buy |
| 6 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.21% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.98B USD | Price to earnings Ratio 14.64 | 1Y Target Price 76.6 |
Price to earnings Ratio 14.64 | 1Y Target Price 76.6 | ||
Volume (30-day avg) 6 | Beta 0.69 | 52 Weeks Range 60.25 - 83.48 | Updated Date 12/5/2025 |
52 Weeks Range 60.25 - 83.48 | Updated Date 12/5/2025 | ||
Dividends yield (FY) 1.86% | Basic EPS (TTM) 4.58 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.72% | Operating Margin (TTM) 48.04% |
Management Effectiveness
Return on Assets (TTM) 1.52% | Return on Equity (TTM) 13.69% |
Valuation
Trailing PE 14.64 | Forward PE 17.67 | Enterprise Value 1660154624 | Price to Sales(TTM) 5.22 |
Enterprise Value 1660154624 | Price to Sales(TTM) 5.22 | ||
Enterprise Value to Revenue 6.1 | Enterprise Value to EBITDA - | Shares Outstanding 29473458 | Shares Floating 26400555 |
Shares Outstanding 29473458 | Shares Floating 26400555 | ||
Percent Insiders 7.3 | Percent Institutions 62.51 |
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 agricultural community. Over time, it expanded its services and geographic reach, becoming a diversified financial services company.
Core Business Areas
- Commercial Banking: Offers a range of banking products and services to businesses, including loans, deposit accounts, cash management, and international banking.
- Private Banking: Provides wealth management, trust, and investment services to high-net-worth individuals and families.
- Mortgage Banking: Originates and services residential mortgage loans.
- Brokerage Services: Offers brokerage and investment advisory services through its subsidiary.
Leadership and Structure
James Hillebrand serves as Chairman & CEO. The organizational structure includes various departments overseeing banking, wealth management, and operations, reporting to the executive leadership team and Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are offered to businesses for various purposes. Market share data not readily available. Competitors: PNC, Fifth Third, and other regional banks.
- Wealth Management: Provides investment management, trust, and estate planning services. Revenue data not readily available. Competitors: JPMorgan Chase, U.S. Bank, and independent advisory firms.
- Mortgage Loans: Stock Yards Bank offers mortgage loans to consumers. Market share data not readily available. Competitors: Chase, Wells Fargo, and other regional and national lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased competition, and evolving regulatory landscape. Fintech companies are also disrupting traditional banking models.
Positioning
Stock Yards Bancorp Inc. is a regional bank with a strong presence in Kentucky and surrounding areas. Its competitive advantages include its local market knowledge, customer relationships, and diversified service offerings.
Total Addressable Market (TAM)
TAM for regional banking is vast and geographically focused, estimated at several billion USD annually, depending on the region. Stock Yards' position relates to geographic reach and market saturation.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Diversified revenue streams
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic reach
- Reliance on interest rate environment
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Increased adoption of digital banking solutions
- Growing wealth management demand
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC (PNC)
- Fifth Third Bancorp (FITB)
- Old National Bancorp (ONB)
Competitive Landscape
Stock Yards Bank competes with larger national banks and regional players. Its advantages include local knowledge and customer service, while disadvantages include its smaller scale and limited geographic reach.
Major Acquisitions
CBT Financial Corp.
- Year: 2021
- Acquisition Price (USD millions): 234
- Strategic Rationale: Expanded market presence in Indiana and added approximately $1.1 billion in assets.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by organic expansion, acquisitions, and increased market share. Specific percentages require financial data.
Future Projections: Analyst estimates suggest continued growth, focusing on efficiency and expansion. Specific growth rates require up-to-date financial data and analyst reports.
Recent Initiatives: Recent initiatives have included investments in technology and branch expansions. Further detail required for specific initiatives.
Summary
Stock Yards Bancorp is a well-managed regional bank with a strong presence in its core markets. Its diversified services and customer focus are strengths, but its smaller scale limits its growth potential compared to larger competitors. Monitoring interest rate sensitivity and competitive pressures are essential for future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Stock Yards Bancorp Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Company Press Releases
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is estimated and may not be precise. Financial data should be verified with the latest official reports.
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 1140 | Website https://www.syb.com |
Full time employees 1140 | 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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