Stock Yards Bancorp, Inc. (SYBT) AI Stock Analysis

Stock Yards Bancorp, Inc. serves as the holding company for Stock Yards Bank & Trust Company, founded in 1904 and headquartered in Louisville, Kentucky. The company operates through two segments: Commercial Banking and WM&T (Wealth Management & Trust). Commercial Banking provides mortgage banking, deposit services, retail and commercial lending, commercial real estate loans, leasing, treasury management, and third-party securities brokerage. The WM&T segment delivers personalized investment management, financial planning, trust and estate administration, and retirement plan services. The bank conducts operations across a network of 73 full-service banking centers located in Kentucky, Indianapolis, Indiana, and Cincinnati, Ohio.

Annual revenue expanded from $238.5M in FY2021 to $330.6M in FY2022, $346.7M in FY2023, $500.9M in FY2024, and $564.5M in FY2025, representing a 5-year revenue CAGR of 23.4%. Net income rose from $74.6M in FY2021 to $140.2M in FY2025, with EPS climbing from $3.79 to $4.75 over the same period. Operating margin stood at 31.6% in FY2025 and 48.6% over the trailing twelve months. For the latest quarter ended June 30, 2026, quarterly revenue grew 19.8% year-over-year, and quarterly earnings grew 13.9% year-over-year, supporting trailing twelve months revenue of $418.2M.

As of June 30, 2026, Stock Yards Bancorp held $609.1M in cash and short-term investments against total debt of $421.7M, resulting in net cash of $187.4M. Shareholders' equity was $1.19B out of $9.51B in total assets, with a debt-to-equity ratio of 0.35 and a current ratio of 0.08. In FY2025, operating cash flow reached $166.0M and free cash flow was $154.0M. Capital expenditures totaled $12.0M, while cash returned to shareholders included $2.1M in share buybacks and $37.1M in dividends paid.

SYBT trades at a trailing P/E of 15.3x and a forward P/E of 17.7x, both above the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales ratio of 5.7x also exceeds the peer group median of 3.2x, while price-to-book stands at 2.0x. Over the past year, the stock returned 19.8%, outperforming the S&P 500 return of 16.8%. Over a 5-year span, however, SYBT returned 35.8% compared to 83.0% for the S&P 500.

Stock Yards Bancorp pays a quarterly dividend with an annualized forward rate of $1.32 per share, equating to a dividend yield of 1.72%. The payout ratio is 25.7%, supported by 34 consecutive years of dividend payments. Over the past five years, the dividend has increased at an annualized growth rate of 3.1%. The stock's most recent ex-dividend date was September 21, 2026.

Wall Street coverage includes 6 Hold ratings, with 0 Strong Buy, Buy, Sell, or Strong Sell recommendations. The mean price target of $90.20 sits 17.6% above the last close of $76.69. For the current fiscal year ending December 31, 2026, consensus estimates project EPS of $5.33 and revenue of $457.8M. For the next fiscal year, 6 analysts forecast EPS of $5.69 and revenue of $495.9M. The company beat EPS estimates in all 4 of its last 4 quarters, with the next earnings release scheduled for November 4, 2026.

This page is an AI-written research summary of Stock Yards Bancorp, Inc. (SYBT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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