Stock Yards Bancorp Inc. Common Stock (SYBT)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Stock Yards Bancorp is the kind of plain regional bank I can understand: it takes deposits and makes loans through Stock Yards Bank & Trust, with a wealth-management arm. The moat is limited; community banking is competitive, though local relationships and wealth management help. At $75.52 on 2026-10-13, FairStock computes a P/E of 15.04, price-to-book of 1.88, ROE of 13.28%, and a dividend yield of 1.75%. Those are not bargain-bin numbers. A bank earning 13% on equity can justify a premium to book if underwriting is sound, but I am paying almost twice book, so the margin of safety depends on credit quality I cannot see here. CET1 capital, net interest margin, nonperforming loans, charge-offs, and reserve coverage are not in the data; without them, I cannot underwrite the balance sheet. The earnings record is encouraging: filed net income was $107.7M in FY2023, $114.5M in FY2024, and $140.2M in FY2025; diluted EPS rose from $3.67 to $3.89 to $4.75. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $40.1M and diluted EPS $1.31, up from $34.0M and $1.15 in fiscal Q2 2025. That is steady progress. FairStock calls it a STALWART, with 18.9% annual profit growth over five years, though Piotroski is only 5/9, PEG is 1.51, and the overall FairStock score is 62/100. The low beta of 0.75 and modest dividend suggest less volatility, not immunity from bad loans. My conclusion: a decent, growing community bank at a fair-to-full price. I would want more capital and credit details before calling it a bargain.

In plain English: Stock Yards Bancorp is a small regional bank that takes deposits and makes loans, along with a wealth management arm. Its profits have been rising, and the business looks reasonably steady. At the recent price, the shares look neither clearly cheap nor clearly expensive compared with its profits and net worth.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer