Stock Yards Bancorp, Inc. (SYBT)
Fair ValueFundamental
71
Price
$78.32
Market Cap
$2.38B
Part 1 · What the company is worth
Overview
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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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$423M
Trailing 12 months (through 6/30/2026)
Net Income
$150M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$154M
Total Equity
$1.08B
Total Liabilities
$8.46B
Current Ratio
-
Interest Coverage
0.59
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$69.85
Current Price
$78.32
Margin of Safety
-12.1%
Fair Value Range
$49.85 - $89.85
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
15.60
ROE
13.0%
P/B Ratio
1.95
P/FCF
16.51
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
8.8%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- EPS CAGR 9.04%
- Price CAGR 5.10%
- P/FCF 16.51
- P/B ratio 1.95
- Operating margin 45.0%
- Positive free cash flow
- CapEx intensity
- Low reliance on intangibles
- ROE 13.4%
- Earnings surprise, average 3.5%
- PEG ratio 1.24
- Earnings quality (operating cash flow / net income) 1.07
- Share dilution 0.2%
- Net margin trend 35.3% vs 34.3%
- Piotroski F-Score 7/9
Failed (5)
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- Price below Graham Number
- DCF valuation (Overvalued)
Unavailable (6)
- ROIC –
- Gross margin –
- Dividend payout –
- Current ratio
- Debt/EBITDA
- Revenue growth 5Y
Piotroski F-Score
Strong financial health
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Share count is stable
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. James A. Hillebrand | CEO & Chairman of the Board | 57 |
| Mr. Philip S. Poindexter | President & Director | 59 |
| Mr. T. Clay Stinnett | Executive VP, Treasurer & CFO | 51 |
| Mr. William M. Dishman III | Senior Credit Advisor | 62 |
| Mr. Michael V. Rehm | Executive VP & Chief Lending Officer of Stock Yards Bank & Trust Company | 60 |
| Mr. Michael W. Woods | Senior VP & Principal Accounting Officer | 57 |
| Mr. Nathan L. Berger J.D. | General Counsel | - |
| Mr. Stephen Brown | Market President of Cincinnati/NKY | - |
| Mr. Michael J. Croce | Executive VP & Director of Retail Banking of Stock Yards Bank & Trust Company | 55 |
| Ms. Paula Moan | Market President of Indianapolis | - |
Audit Risk
8
Board Risk
4
Compensation Risk
3
Shareholder Rights Risk
4
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-26
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-04
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-08-19
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much SYBT moves, measured on its daily prices.
More volatile than 9% of the tracked stocks (90-day volatility).
- Volatility 30d
- 18.6%
- Volatility 90d
- 20.8%
- Beta vs S&P 500 (1y)
- 0.48Correlation 0.26
- Max drawdown (12m)
- -14.7%
- ATR (14d, % of price)
- 2.20%
Earnings reactions
How SYBT moved around its past quarterly results.
Next earnings release
Oct 28, 2026 · In 4 days · Before the open
EPS estimate: 1.35Revenue estimate: $119M
What usually happens
- Over the last 12 releases the stock moved a median of 2.5% the next day, up or down.
- Next-day moves: up 8, down 4 (out of 12).
- Of the 4 releases that beat estimates, the stock fell the next day after 2.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Jul 29, 2026 | Before the open | 1.25 | 1.31 | +5.0% | +0.7% | +3.1% | 0.0% |
| Apr 22, 2026 | Before the open | 1.20 | 1.24 | +3.1% | -0.4% | 0.0% | +3.7% |
| Jan 27, 2026 | After the close | 1.22 | 1.24 | +1.8% | -0.1% | -0.7% | +0.4% |
| Oct 29, 2025 | Before the open | 1.18 | 1.23 | +3.9% | +0.9% | -1.0% | -2.6% |
| Jul 23, 2025 | Before the open | n/a | n/a | n/a | +0.9% | +4.6% | -1.8% |
| Apr 23, 2025 | Before the open | n/a | n/a | n/a | +2.0% | +5.6% | +3.4% |
| Jan 22, 2025 | Before the open | n/a | n/a | n/a | -0.9% | +0.4% | +2.0% |
| Oct 23, 2024 | Before the open | n/a | n/a | n/a | -0.6% | +1.9% | +1.9% |
| Jul 24, 2024 | Before the open | n/a | n/a | n/a | +2.0% | +4.4% | +6.3% |
| Apr 24, 2024 | Before the open | n/a | n/a | n/a | -0.6% | +5.3% | -2.5% |
| Jan 24, 2024 | Before the open | n/a | n/a | n/a | -1.5% | -3.6% | +5.6% |
| Oct 25, 2023 | Before the open | n/a | n/a | n/a | +0.1% | -0.5% | +2.1% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on SYBT and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for SYBT.