Reading SYBT? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track SYBT free→Reading SYBT? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track SYBT free→NASDAQFinancialsBanks - RegionalSnapshot 2026-06-16
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is neutral, and management's recent track record has been unsteady, with frequent disruptive corporate changes. Earnings quality is mixed, and the sector backdrop is a headwind, which may affect SYBT's performance. Peer multiples imply a price about 28% below where it trades (it looks expensive on this basis); the read is fair. The company is not currently profitable, so the valuation relies on sales- and cash-based methods. This analysis is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 6 valuation methods, at three horizons. Current price $73.60. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $73 SYBT trades at 15× p/e, in line with its 12× p/e peer median. Our $57 fair value reflects that, high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The market is pricing in roughly 29% near-term growth, ahead of our forecast of about 16%. This describes what's priced in, not a forecast of the move.
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 1.10x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $1.21 → $1.24 (+1.9% / 30d). 4 raised, 0 cut, 5 covering analysts.
0 upgrades, 0 downgrades / 30d. 20% of analysts rate Buy.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$102.
How much price usually moves either way.
On a bad day, this stock has moved -$264.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $2,416.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-16
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: Earnings results will show how well Stock Yards Bancorp is managing in a slowing growth environment.
Confirms one read:Earnings report shows earnings per share growth above 5% year over year.
Confirms the other:Earnings report shows earnings per share growth below 0% year over year.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for SYBT yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
No upside scenarios in the latest snapshot.
No downside scenarios in the latest snapshot.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On May 1, 2026, the Board of Directors (the “Board”) of Stock Yards Bancorp, Inc. (the “Company”) appointed Scott P. Davis to serve as a member of the Board, effective May 1, 2026, in connection with the completion of the Company’s previously announced acquisition of Field & Main Bancorp, Inc. and its subsidiary bank, Field & Main Bank, Inc. (colle…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks more expensive than peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
SYBT Stock Yards Bancorp, Inc. | Typical Show detailsSector percentile: 52 of 100 | full | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
10 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated volatile grew net income 54% of the time over the next year (vs 57% for the rest of the cohort, n=3774).
Not investment advice. As of 2026-06-16.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-16.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Finalize and integrate the acquisition of Field & Main to expand market presence.
Stated in 2 of last 2 quarters. The acquisition of Field & Main was completed on May 1, 2026, as planned. This strategic move aims to enhance market presence. Revenue for 2026-Q1 was $117.6M, slightly down from $121.2M in 2025-Q4, indicating limited immediate financial impact from the acquisition.
“The Company announced the completion of its acquisition of Field & Main.”
“Stock Yards entered into an Agreement and Plan of Merger with Field & Main.”
Continue to provide consistent dividend payouts to shareholders.
Stated in 4 of last 4 quarters. Dividend per share remained at $0.32 in 2026-Q1, consistent with previous quarters, indicating a stable capital allocation strategy. This consistency supports shareholder returns despite a slight revenue decline from $121.2M in 2025-Q4 to $117.6M in 2026-Q1.
Focus on improving operating income through efficiency and growth strategies.
Stated in 3 of last 3 quarters. Operating income was $46.1M in 2026-Q1, slightly down from $47.9M in 2025-Q4, showing limited progress in enhancing operational efficiency. The focus remains on improving income despite revenue fluctuations.
Why it matters: A drop in revenue growth signals a slowdown in the financial sector. This could impact Stock Yards Bancorp's performance.
Confirms:Revenue growth falls below the median of the last three years.
Disproves:Revenue growth remains above the median of the last three years.
Results of Operations and Financial Condition. On April 22, 2026, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference, announcing earnings for the three months ended March 31, 2026. The information in this Form 8-K and the attached Exhibits shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section, nor shall it be deemed incorp…
Regulation FD Disclosure. On May 1, 2026, the Company issued a press release announcing the completion of its previously announced acquisition of Field & Main (the “Merger”). A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The information furnished pursuant to this Item 7.01, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall such information be dee…
Results of Operations and Financial Condition. On January 27, 2026, Stock Yards Bancorp, Inc. issued a press release, a copy of which is attached hereto as Exhibit 99.1 and incorporated by reference, announcing earnings for the three months and year ended December 31, 2025. The information in this Form 8-K and the attached Exhibits shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section, nor shall it b…
Entry into a Material Definitive Agreement. Merger Agreement On January 27, 2026, Stock Yards Bancorp, Inc., a Kentucky corporation (“ Stock Yards ”), River Holdings, Inc., a Kentucky corporation and direct, wholly owned subsidiary of Stock Yards (“ Merger Sub ”), and Field & Main Bancorp, Inc., a Kentucky corporation (“ Field & Main ”), entered into an Agreement and Plan of Merger (the “ Merger Agreement ”) pursuant to which, on the terms and subject to the conditions set forth therein, Merg…
“Dividend per share remained at $0.32.”
“Dividend per share was $0.32.”
“Dividend per share was $0.31.”
“Dividend per share was $0.31.”
“Operating income was $46.1M.”
“Operating income was $47.9M.”
“Operating income was $45.7M.”