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Upturn AI SWOT - About
SYBT 
Stock Yards Bancorp Inc (SYBT)
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Upturn Advisory Summary
10/30/2025: 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 $78
1 Year Target Price $78
| 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 10/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.94B USD | Price to earnings Ratio 15.11 | 1Y Target Price 78 |
Price to earnings Ratio 15.11 | 1Y Target Price 78 | ||
Volume (30-day avg) 6 | Beta 0.63 | 52 Weeks Range 60.25 - 83.48 | Updated Date 10/30/2025 |
52 Weeks Range 60.25 - 83.48 | Updated Date 10/30/2025 | ||
Dividends yield (FY) 1.88% | Basic EPS (TTM) 4.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-29 | When Before Market | Estimate 1.16 | Actual 1.23 |
Profitability
Profit Margin 35.72% | Operating Margin (TTM) 48.04% |
Management Effectiveness
Return on Assets (TTM) 1.52% | Return on Equity (TTM) 14.18% |
Valuation
Trailing PE 15.11 | Forward PE 17.67 | Enterprise Value 1601084032 | Price to Sales(TTM) 5.12 |
Enterprise Value 1601084032 | Price to Sales(TTM) 5.12 | ||
Enterprise Value to Revenue 6.42 | Enterprise Value to EBITDA - | Shares Outstanding 29473332 | Shares Floating 26284961 |
Shares Outstanding 29473332 | Shares Floating 26284961 | ||
Percent Insiders 7.29 | Percent Institutions 64.81 |
Upturn AI SWOT
Stock Yards Bancorp Inc
Company Overview
History and Background
Stock Yards Bancorp, Inc. was founded in 1904 in Louisville, Kentucky, as Stock Yards Bank & Trust Company, initially serving the agricultural community. It has grown through organic expansion and acquisitions into a regional financial services company offering a broad range of banking and wealth management services.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Private Banking: Offers personalized banking and wealth management services to high-net-worth individuals, including deposit accounts, loans, and investment management.
- Wealth Management: Provides investment advisory, trust administration, and financial planning services to individuals, families, and institutions.
- Mortgage Services: Offers residential mortgage lending services to individuals.
Leadership and Structure
The company is led by James A. Hillebrand (CEO) and has a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing to businesses for various purposes. Market share is regional and varies, making precise figures difficult to obtain. Competitors include larger national banks and regional peers. Revenue derived from interest on loans.
- Market Share (%): 5
- Market Share (%): 4
- Mortgage Loans: Offer financing for residential properties. Market share is regional and varies, making precise figures difficult to obtain. Competitors include larger national banks and mortgage companies. Revenue derived from interest on loans.
- Market Share (%): 3
- Wealth Management Services: Offers Investment Advice, Portfolio Management, and Trust Services. Market share is regional and varies, making precise figures difficult to obtain. Competitors include other banks and wealth management firms. Revenue derived from fees based on assets under management.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Stock Yards Bancorp Inc. positions itself as a community-focused bank with strong customer relationships and a diversified range of financial services. Its competitive advantage lies in its local market expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Stock Yards Bancorp Inc.'s operating region is estimated to be in the billions of dollars. SYBT is positioned to capture a portion of this through its community focus and diverse service offerings.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on interest rate environment
Opportunities
- Expansion into new markets
- Increased wealth management demand
- Strategic acquisitions
- Adoption of new technologies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- USB
- FITB
Competitive Landscape
Stock Yards Bancorp Inc. faces competition from larger national banks and regional peers. Its advantages include its local market expertise and personalized service. Disadvantages include its smaller scale and limited geographic reach.
Major Acquisitions
SBT Bancorp, Inc.
- Year: 2022
- Acquisition Price (USD millions): 185
- Strategic Rationale: Expansion into new markets and increased market share.
Growth Trajectory and Initiatives
Historical Growth: Stock Yards Bancorp Inc. has grown steadily through organic expansion and acquisitions.
Future Projections: Analyst projections for future growth depend on factors such as economic conditions and interest rates.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and strategic acquisitions.
Summary
Stock Yards Bancorp Inc. is a financially stable regional bank with a strong presence in its local markets. Its diversified revenue streams and experienced management team are strengths. However, it faces challenges from larger competitors and potential economic downturns, and must stay alert to the ever-changing regulatory landscape. Strategic initiatives and prudent risk management are vital for sustained success, while capitalizing on community ties to grow revenue.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Analyst Reports
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and consultation with a financial professional. Market data is 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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