📊 SYBT Key Takeaways
Is Stock Yards Bancorp, Inc. (SYBT) a Good Investment?
Stock Yards Bancorp demonstrates strong revenue growth (+55.7% YoY) with exceptional operating margins (39.2%), but fundamental returns are severely weak with ROE of only 3.3% and ROA of 0.4%. The alarming disconnect between net income ($36.6M) and operating cash flow ($12.2M) signals significant earnings quality concerns, compounded by tight interest coverage (1.3x) that leaves minimal safety margin for a financial institution.
Stock Yards Bancorp, Inc. Key Strengths (SYBT)
- Robust revenue growth of 55.7% YoY demonstrates expanding business operations
- Exceptional operating margin of 39.2% and net margin of 31.1% show strong cost discipline
- Conservative balance sheet with minimal debt (0.02x debt/equity) and adequate liquidity of $254.5M
SYBT Stock Risks: Stock Yards Bancorp, Inc. Investment Risks
- Critically weak profitability returns with ROE of 3.3% and ROA of 0.4%, far below banking sector standards
- Severe earnings quality red flag: operating cash flow of only $12.2M against net income of $36.6M (33% ratio) suggests potential accounting adjustments or non-cash gains
- Dangerously low interest coverage ratio of 1.3x provides minimal buffer for covering debt obligations in a stressed interest rate environment
Key Metrics to Watch
- Operating cash flow to net income ratio - improve from current 33% to 60%+ to validate earnings quality
- Return on equity and return on assets - critical improvement needed to justify capital deployment in banking operations
- Interest coverage ratio - must strengthen above 2.5x to ensure financial stability and debt service capacity
Stock Yards Bancorp, Inc. (SYBT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
SYBT Profit Margin, ROE & Profitability Analysis
SYBT vs Finance Sector: How Stock Yards Bancorp, Inc. Compares
How Stock Yards Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Stock Yards Bancorp, Inc. Stock Overvalued? SYBT Valuation Analysis 2026
Based on fundamental analysis, Stock Yards Bancorp, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Stock Yards Bancorp, Inc. Balance Sheet: SYBT Debt, Cash & Liquidity
SYBT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Stock Yards Bancorp, Inc.'s revenue has remained relatively flat over the 5-year period, with a 2% decline. The most recent EPS of $3.67 reflects profitable operations.
SYBT Revenue Growth, EPS Growth & YoY Performance
SYBT Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2021 | $5.7M | $4.2M | $0.17 |
| Q1 2021 | $6.2M | $10.9M | $0.58 |
| Q3 2020 | $5.7M | $13.2M | $0.64 |
| Q2 2020 | $5.7M | $13.2M | $0.59 |
| Q1 2020 | $5.4M | $13.2M | $0.58 |
| Q3 2019 | $5.4M | $12.3M | $0.60 |
| Q2 2019 | $5.3M | $12.4M | $0.59 |
| Q1 2019 | $5.4M | $10.0M | $0.58 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Stock Yards Bancorp, Inc. Dividends, Buybacks & Capital Allocation
SYBT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Stock Yards Bancorp, Inc. (CIK: 0000835324)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SYBT
What is the AI rating for SYBT?
Stock Yards Bancorp, Inc. (SYBT) has an AI grade of B with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SYBT's key strengths?
Claude: Robust revenue growth of 55.7% YoY demonstrates expanding business operations. Exceptional operating margin of 39.2% and net margin of 31.1% show strong cost discipline.
What are the risks of investing in SYBT?
Claude: Critically weak profitability returns with ROE of 3.3% and ROA of 0.4%, far below banking sector standards. Severe earnings quality red flag: operating cash flow of only $12.2M against net income of $36.6M (33% ratio) suggests potential accounting adjustments or non-cash gains.
What is SYBT's revenue and growth?
Stock Yards Bancorp, Inc. reported revenue of $117.6M.
Does SYBT pay dividends?
Stock Yards Bancorp, Inc. pays dividends, with $9.5M distributed to shareholders in the trailing twelve months.
Where can I find SYBT SEC filings?
Official SEC filings for Stock Yards Bancorp, Inc. (CIK: 0000835324) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SYBT's EPS?
Stock Yards Bancorp, Inc. has a diluted EPS of $1.24.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is SYBT's fundamental grade?
Based on our AI fundamental analysis in June 2026, Stock Yards Bancorp, Inc. has a B grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SYBT stock overvalued or undervalued?
Valuation metrics for SYBT: ROE of 3.3% (sector avg: 12%), net margin of 31.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is SYBT's AI grade for 2026?
Our dual AI analysis gives Stock Yards Bancorp, Inc. a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is SYBT's free cash flow?
Stock Yards Bancorp, Inc.'s operating cash flow is $12.2M, with capital expenditures of $2.7M. FCF margin is 8.1%.
How does SYBT compare to other Finance stocks?
Vs Finance sector averages: Net margin 31.1% (avg: 25%), ROE 3.3% (avg: 12%), current ratio N/A (avg: 1.2).