Stock Yards Bancorp, Inc. (SYBT) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does Stock Yards Bancorp, Inc. Do?
Stock Yards Bancorp, Inc. operates as a holding company for Stock Yards Bank & Trust Company and SYB Insurance Company, Inc. that provides various banking products and services in Louisville, Indianapolis, Indiana, and Ohio. It operates in two segments, Commercial Banking and WM&T. The Commercial Banking segment provides mortgage banking and deposit services; retail, commercial, and commercial real estate lending services; and leasing, treasury management, merchant, international banking, correspondent banking, and other banking services. This segment also provides securities brokerage services through an arrangement with a third party broker-dealer; and online, mobile, and private banking services to individual consumers and businesses. 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. As of December 31, 2021, the company operated 63 full service banking locations, including 33 in the Louisville, 19 in Central Kentucky, 6 in Cincinnati, and 5 in Indianapolis. Stock Yards Bancorp, Inc. was founded in 1904 and is headquartered in Louisville, Kentucky. Stock Yards Bancorp, Inc. (SYBT) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO James A. Hillebrand and employs approximately 1,040 people, headquartered in Louisville, Kentucky. With a market capitalization of $2.0B, SYBT is one of the notable companies in the Financials sector.
Stock Yards Bancorp, Inc. (SYBT) Stock Rating — Hold (April 2026)
As of April 2026, Stock Yards Bancorp, Inc. receives a Hold rating with a composite score of 49.2/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.SYBT ranks #404 out of 4,446 stocks in our coverage universe. Within the Financials sector, Stock Yards Bancorp, Inc. ranks #134 of 891 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
SYBT Stock Price and 52-Week Range
Stock Yards Bancorp, Inc. (SYBT) currently trades at $71.20. The stock lost $0.35 (0.5%) in the most recent trading session. The 52-week high for SYBT is $83.83, which means the stock is currently trading -15.1% from its annual peak. The 52-week low is $60.75, putting the stock 17.2% above its annual trough. Recent trading volume was 139K shares, suggesting relatively thin trading activity.
Is SYBT Overvalued or Undervalued? — Valuation Analysis
Stock Yards Bancorp, Inc. (SYBT) carries a value factor score of 70/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 15.18x, compared to the Financials sector average of 14.88x — a premium of 2%. The price-to-book ratio stands at 1.88x, versus the sector average of 1.22x. The price-to-sales ratio is 4.46x, compared to 0.90x for the average Financials stock. On an enterprise value basis, SYBT trades at 12.22x EV/EBITDA, versus 3.26x for the sector.
Based on these multiples, Stock Yards Bancorp, Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
Stock Yards Bancorp, Inc. Profitability — ROE, Margins, and Quality Score
Stock Yards Bancorp, Inc. (SYBT) earns a quality factor score of 62/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 12.3%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.4% versus the sector average of 1.2%.
On a margin basis, Stock Yards Bancorp, Inc. reports gross margins of 0.0%. The operating margin is 36.9% (sector: 21.8%). Net profit margin stands at 29.4%, versus 17.7% for the average Financials stock. Revenue growth is running at 19.9% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
SYBT Debt, Balance Sheet, and Financial Health
Stock Yards Bancorp, Inc. has a debt-to-equity ratio of 2.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.13x, suggesting adequate working capital coverage. Total debt on the balance sheet is $27M. Cash and equivalents stand at $84M.
SYBT has a beta of 0.81, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for Stock Yards Bancorp, Inc. is 78/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
Stock Yards Bancorp, Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, Stock Yards Bancorp, Inc. reported revenue of $452M and earnings per share (EPS) of $4.77. Net income for the quarter was $133M. Gross margin was 0.0%. Operating income came in at $167M.
In FY 2025, Stock Yards Bancorp, Inc. reported revenue of $468M and earnings per share (EPS) of $4.77. Net income for the quarter was $140M. Revenue grew 13.3% year-over-year compared to FY 2024. Operating income came in at $178M.
In Q3 2025, Stock Yards Bancorp, Inc. reported revenue of $120M and earnings per share (EPS) of $1.23. Net income for the quarter was $36M. Revenue grew 13.8% year-over-year compared to Q3 2024. Operating income came in at $46M.
In Q2 2025, Stock Yards Bancorp, Inc. reported revenue of $115M and earnings per share (EPS) of $1.16. Net income for the quarter was $34M. Revenue grew 14.7% year-over-year compared to Q2 2024. Operating income came in at $43M.
Over the past 8 quarters, Stock Yards Bancorp, Inc. has demonstrated a growth trajectory, with revenue expanding from $100M to $452M. Investors analyzing SYBT stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
SYBT Dividend Yield and Income Analysis
Stock Yards Bancorp, Inc. (SYBT) currently pays a dividend yield of 1.8%. At this yield, a $10,000 investment in SYBT stock would generate approximately $$179.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning SYBT yields less than the typical sector peer. With a net margin of 29.4%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
SYBT Momentum and Technical Analysis Profile
Stock Yards Bancorp, Inc. (SYBT) has a momentum factor score of 39/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 26/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 3/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
SYBT vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, Stock Yards Bancorp, Inc. (SYBT) ranks #134 out of 891 stocks based on the Blank Capital composite score. This places SYBT in the top quartile of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing SYBT against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full SYBT vs S&P 500 (SPY) comparison to assess how Stock Yards Bancorp, Inc. stacks up against the broader market across all factor dimensions.
SYBT Next Earnings Date
No upcoming earnings date has been announced for Stock Yards Bancorp, Inc. (SYBT) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy SYBT? — Investment Thesis Summary
Stock Yards Bancorp, Inc. presents a balanced picture with arguments on both sides. The quality score of 62/100 indicates above-average profitability and business fundamentals. The value score of 70/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 39/100, a headwind for near-term performance. Low volatility (stability score 78/100) reduces downside risk.
In summary, Stock Yards Bancorp, Inc. (SYBT) earns a Hold rating with a composite score of 49.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on SYBT stock.
Related Resources for SYBT Investors
Explore more research and tools: SYBT vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare SYBT head-to-head with peers: SYBT vs WTM, SYBT vs OPY, SYBT vs ACT.