Stock Yards Bancorp Inc (SYBT) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Stock Yards Bancorp Inc stock $40.30, price $79.26, that is 49.2% below the price, quality 53 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Stock Yards Bancorp Inc
SYBT · USOur calculation puts a fair price 49% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $35.91 – $87.66 · fair‑value band $32.88 – $58.68 · the $79.26 price screens above the $40.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
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.
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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.
Stock analysis
Stock Yards Bancorp Inc (SYBT) currently trades at $79.26, while our model-based Fair Value estimate is $40.30, 49% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $48.69 per share, and 0 of the 6 models we run sit above the $79.26 price.
Bear case: the Asset-Based group reads lowest at $18.53, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $32.88 (bear) to $58.68 (bull), the price of $79.26 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Stock Yards Bancorp Inc reported revenue of $565M in FY2025 versus $239M in FY2021, a compound +24.0%/yr. Reported net income was $140M in FY2025, compounding +17.1%/yr from FY2021.
Key figures
Market cap $2.4B Mid · P/E ratio 15.3 · P/S ratio 5.53 · EPS (TTM) $5.19 · Dividend yield 1.6% · Net margin 35.8% · Return on equity 14.0% · Return on assets (EBIT) −15.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −49%, SYBT screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors sold shares worth $686,041 and none bought.
- SaleMichael W WoodsSr. Vice President139 shares at $79.02$10,984Sep 21, 2026
- SaleLaura L WellsDirector6,823 shares at $86.29$588,757Jul 30, 2026
- SalePhilip PoindexterPresident1,221 shares at $70.68$86,300May 21, 2026
Plus 21 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
SYBT screens overvalued: fair value 49% below the price. Compare with China Merchants Bank Co →
Recent news
- Stock Yards (SYBT) Upgraded to Buy: Here's Why
- Stock Yards Bancorp (SYBT) Stock Q3 Earnings Highlight Margin Strength
- Stock Yards Bank (NASDAQ:SYBT) beats Q3 2026 sales expectations
- Stock Yards: Q3 Earnings Snapshot
Compare Stock Yards Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs SYBT |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs SYBT |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs SYBT |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs SYBT |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs SYBT |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs SYBT |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs SYBT |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs SYBT |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs SYBT |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs SYBT |
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Key figures of Stock Yards Bancorp Inc
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