US · SYBT
Stock Yards Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Louisville, KY 40206
- Website
- syb.com
Price · as of 2025-12-31
$71.86
Market cap 1.89B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $39.42 | -45.14% |
| Intrinsic Value(DCF) | $92.45 | +28.65% |
| Graham-Dodd Method(GD) | $34.94 | -51.38% |
| Graham Formula(GF) | $96.33 | +34.06% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $10.55 | $21.79 | $3.71 | $7.55 | $7.10 |
| 2012 | $11.08 | $45.31 | $13.92 | $8.27 | $16.40 |
| 2013 | $15.36 | $43.45 | $18.55 | $8.88 | $10.84 |
| 2014 | $17.64 | $35.48 | $21.74 | $10.96 | $18.15 |
| 2015 | $20.24 | $34.99 | $22.93 | $11.70 | $19.49 |
| 2016 | $34.69 | $40.70 | $23.71 | $12.39 | $30.72 |
| 2017 | $30.56 | $31.14 | $23.14 | $11.19 | $25.03 |
| 2018 | $29.81 | $43.22 | $21.48 | $14.01 | $46.25 |
| 2019 | $29.38 | $47.38 | $19.08 | $16.42 | $59.56 |
| 2020 | $49.65 | $42.44 | $20.29 | $15.75 | $24.21 |
| 2021 | $47.37 | $37.40 | $37.52 | $19.69 | $84.60 |
| 2022 | $50.29 | $49.50 | $63.78 | $18.54 | $146.09 |
| 2023 | $44.52 | $43.65 | $32.44 | $23.42 | $138.66 |
| 2024 | $68.10 | $45.61 | $176.49 | $26.69 | $90.90 |
| 2025 | $64.64 | $39.42 | $222.28 | $34.94 | $96.33 |
AI valuation
Our deep-learning model estimates Stock Yards Bancorp, Inc.'s (SYBT) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $39.42
- Current price
- $71.86
- AI upside
- -45.14%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$92.45
+28.65% upside
Graham-Dodd
$34.94
-51.38% upside
Graham Formula
$96.33
+34.06% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SYBT | Stock Yards Bancorp, Inc. | $71.86 | 1.89B | -45% | +29% | -51% | +34% | 13.54 | 1.76 | 3.36 | 5.83 | 61.26 | 2.18 | 69.18% | 31.56% | 24.83% | 13.90% | 48.01% | 1.52% | 0.02 | 1.07 | 0.15 | 0.16 | -4.82 | 2211.00% | 1269.00% | -7091.00% | 2.04% | 0.01 | 13.25% | 1.95% | 26.50% | 69.23% | 5.83 | 26.84 | 1.84 | -0.26 |
| BANR | Banner Corporation | $58.85 | 2.01B | -15% | -6% | -24% | -30% | 10.57 | 1.06 | 2.52 | 8.76 | 67.87 | 1.31 | 79.04% | 29.45% | 23.84% | 10.50% | 10.00% | 1.20% | 0.19 | 1.11 | 0.02 | 0.02 | 0.75 | 1557.00% | -95.00% | -5127.00% | 6.59% | 0.01 | 6.90% | 3.27% | 34.60% | 4.80% | 9.17 | 16.25 | 2.70 | -0.76 |
| BBAR | Banco BBVA Argentina S.A. | $14.99 | 3.06B | -7% | +89,881% | -26% | — | 11.56 | 1.98 | 0.98 | 0.55 | — | 2.04 | 65.86% | 8.48% | 6.93% | 15.71% | -24.39% | 3.15% | 0.14 | 0.25 | 0.67 | 0.66 | -4.75 | -142.00% | -3112.00% | -105467.00% | -104.67% | -0.52 | 356.76% | 1.78% | 20.50% | 4.25% | 0.64 | -0.05 | 0.05 | 0.40 |
| BUSE | First Busey Corporation | $25.36 | 2.24B | -10% | +3,704% | +18% | +278% | 16.92 | 0.93 | 2.19 | 1.42 | — | 1.15 | 63.88% | 17.88% | 12.96% | 7.02% | 68.36% | 0.90% | 0.19 | 0.58 | 0.64 | 0.64 | 0.80 | -2576.00% | 5756.00% | 1207.00% | 8.41% | 0.05 | 97.33% | 0.00% | 0.00% | 0.00% | 1.55 | 1.51 | 0.28 | 0.11 |
| CUBI | Customers Bancorp, Inc. | $67.44 | 2.31B | -4% | +374% | +33% | +16% | 10.54 | 1.12 | 1.67 | 5.88 | 48.32 | 1.12 | 51.59% | 21.97% | 15.84% | 11.34% | -65.45% | 0.95% | 0.81 | 0.51 | 1.19 | 1.19 | 4.67 | 2181.00% | 394.00% | 50225.00% | 20.37% | 0.03 | -130.40% | 0.46% | 4.80% | 6.73% | 6.65 | 4.30 | 1.46 | 0.39 |
| EFSC | Enterprise Financial Serv… | $57.10 | 2.11B | -16% | +92% | -48% | +87% | 10.57 | 1.04 | 2.33 | 6.59 | 106.39 | 1.33 | 68.43% | 31.10% | 22.07% | 10.42% | 12.52% | 1.22% | 0.00 | 1.08 | 0.01 | 0.01 | -0.71 | 994.00% | 1203.00% | -6842.00% | 3.56% | 0.01 | 4.71% | 4.77% | 50.40% | 5.43% | 6.77 | 25.35 | 2.11 | -0.73 |
| FBNC | First Bancorp | $56.79 | 2.35B | -37% | -17% | -50% | -51% | 21.59 | 1.45 | 4.41 | 1.79 | 47.30 | 2.07 | 70.11% | 26.56% | 20.45% | 7.16% | -16.27% | 0.89% | 0.05 | 0.91 | 0.24 | 0.24 | -0.47 | 4565.00% | 232.00% | 1042.00% | 7.93% | 0.02 | -26.94% | 1.55% | 33.60% | 1.60% | 1.92 | 1.46 | 0.51 | -0.38 |
| FRME | First Merchants Corporati… | $39.08 | 2.46B | -37% | -10% | -29% | -22% | 10.05 | 0.92 | 2.16 | 6.17 | 72.92 | 1.30 | 60.96% | 24.67% | 21.52% | 9.47% | 12.33% | 1.21% | 0.41 | 0.67 | 0.20 | 0.20 | 3.17 | 1378.00% | -32.00% | 655.00% | 12.49% | 0.04 | 15.48% | 3.73% | 37.50% | 5.80% | 6.87 | 6.28 | 1.70 | -0.11 |
| HTH | Hilltop Holdings Inc. | $37.43 | 2.3B | -30% | +203% | -13% | -6% | 14.50 | 1.11 | 1.48 | 10.10 | 28.04 | 1.27 | 78.42% | 13.60% | 10.19% | 7.60% | 18.67% | 1.03% | 0.49 | 0.64 | 0.24 | 0.24 | -0.76 | 5172.00% | 545.00% | -13564.00% | -3.96% | -0.02 | -10.32% | 1.89% | 27.40% | 9.55% | 10.10 | -23.48 | 1.37 | 0.08 |
| NBTB | NBT Bancorp Inc. | $42.72 | 2.23B | -20% | +70% | -40% | +52% | 11.91 | 1.06 | 2.32 | 1.34 | 95.27 | 1.45 | 72.14% | 25.30% | 19.51% | 9.89% | 19.95% | 1.14% | 0.17 | 1.05 | 13.83 | 13.83 | 0.65 | 1250.00% | 1036.00% | -4040.00% | 5.23% | 0.71 | 12.43% | 3.60% | 42.90% | 3.60% | 1.34 | 2.80 | 0.34 | 0.33 |
| NIC | Nicolet Bankshares, Inc. | $152.76 | 2.26B | -29% | -4% | -41% | -6% | 15.51 | 1.86 | 4.23 | 9.69 | 72.18 | 2.67 | 69.47% | 33.83% | 27.27% | 12.40% | 27.63% | 1.68% | 0.11 | 1.14 | 0.95 | 0.95 | -2.81 | 2149.00% | 639.00% | 2748.00% | 6.39% | 0.02 | 27.40% | 0.80% | 12.40% | 10.48% | 9.69 | 12.13 | 3.28 | 0.36 |
About Stock Yards Bancorp, Inc.
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. It operates in two segments, Commercial Banking, and WM&T. The Commercial Banking segment offers mortgage banking and deposit services; retail, commercial, and commercial real estate lending services; and online banking, mobile banking, private banking, 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. 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. The company operates through 73 full service banking center locations in Louisville, central, eastern and northern Kentucky, as well as Indianapolis, Indiana and Cincinnati, Ohio metropolitan markets. Stock Yards Bancorp, Inc. was founded in 1904 and is headquartered in Louisville, Kentucky.
- CEO
- James A. Hillebrand
- Employees
- 1.09K
- Beta
- 0.71
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($92.45 ÷ $71.86) − 1 = +28.65% (DCF, example).