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65

SYBT

🏦 Financial Services

Stock Yards Bancorp, Inc.

Conservative #204Aggressive #475Low RiskHigh 100
$66.78+1.27%
Day High$67.19
Day Low$66.17
Volume0.1M
Mkt Cap$2.0B
52W Low $6152W High $84
Market Cap
$2.0B
P/E Ratio
14.5
Sector avg: 49.4
Rev Growth
12.7%
Sector avg: 13.4%
Earnings Growth
22.4%
Profit Margin
25.0%
Sector avg: -2.8%
Debt/Equity
0.03

Why This Score

SYBT scores 64.8 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • High net margin of 25.0%, indicating pricing power and operational efficiency.
  • Attractively valued at 14.5x earnings, below the market average.
  • Minimal leverage (D/E 0.03) provides financial flexibility and downside protection.
  • High conviction (100/100) — fundamental and ML signals agree on this stock.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 5-point penalty for execution risk.

Moderate penalties (-5.0 points) reflect identified risk factors. The overall score balances these against the stock's fundamental strengths.

Score Breakdown

Overall Score64.8
Fundamental Score68.0
ML Score57.0

Score by Horizon

3 Month
67.8
6 Month
75.8
Primary
1 Year
79.8

Quality Assessment

B
Earnings Grade
Solid fundamentals with minor quality concerns
Quality Flags
High accrual ratio (-211.2%) — earnings quality concern

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
0
Declining
Sentiment (2.5%)
45
Neutral
Analyst (6.4%)
55
Neutral
Tradability (post-hoc)
52
Grade Clow volume
Base
60.8
SHAP
+1.7
Factors
+0.6
Conviction
+1.7
Final
64.8
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)75.0
Technical (Momentum, Weinstein, Volatility)57.0
External (Sentiment, Analyst, Macro)75.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
-0.9% to +3.3%
Medium-term
-0.7% to +5.7%
Long-term
-0.5% to +8.0%

ML Model Core Features100 trained inputs → ML Score: 57

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score55.0/100
Target Upside+15.0%
Coverage10 analysts
Market Sentiment
Sentiment Score45.4/100
News Volume1 articles
Technical Stage
Weinstein Stage4 — Declining
12M Momentum-0.0%
6M Momentum-0.1%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+10.2%
Momentum ConsistencyWeak (0.20)
Relative Strength vs Sector-11.5%
Trend Strength (ADX Proxy)Weak (0.4)
Momentum Quality-0.021
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
5%
Low risk
Sector RevGr Rank
P73
Revenue growth vs Financial Services peers
Sector PE Rank
P42
Valuation vs Financial Services peers
Sector FCF Rank
P44
Free cash flow vs Financial Services peers
Growth Deviation
+0.1σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 81 relative to sector peers81/100
Machine learning model ranks this stock at the 80th percentileP80
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +3.7pt (features align with model priorities)
Blend: 91% fund (80.7) + 9% ML (79.7) + SHAP(+3.7) = 84.3
Factor quality: +1.2pt (multi-factor composite)
Risk assessment: low. Annualized volatility 6.2%. Stability bonus of +9.6 points. Max drawdown 19% (-4.5 pts)Low
Market cap adjustment: -4.0 points ($2.0B market cap)-4.0 pts
Conviction bonus: +3.6pt (conviction=100)
Risk Factors
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by -8 pointsGrade B
Quality concern: High accrual ratio (-211.2%) — earnings quality concern; CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentalsFlag

Sector Peer Comparison(Financial Services — Rank #63 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
SYBT64.814.512.7%25.0%$2.0B
CME84.927.29.9%57.5%$109.0B
CINF82.310.711.4%18.9%$25.4B
ACT82.08.92.4%54.6%$6.0B
SEIC80.914.010.7%27.3%$9.6B
TROW79.310.13.1%28.5%$20.5B
FHB78.311.83.2%24.2%$3.3B
MCHB77.70.0123.7%23.2%$3.4B
TRMK75.611.934.8%19.3%$2.7B
BCAL74.39.926.2%27.1%$613M
NMIH73.97.78.4%55.1%$3.0B
FFIN73.218.811.7%30.7%$4.8B
TW73.130.018.9%39.6%$24.8B
VCTR73.118.38.8%32.3%$4.9B
VLY72.412.5-2.2%17.1%$7.5B
QQQX72.310.448.6%257.3%$1.4B
Sector Average45.849.413.4%-2.8%

Company Overviewvia FMP

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
1,089
Beta
0.71
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
39.0
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-20.3%
High: $83.83
From 52W Low
+9.9%
Low: $60.75
Moving Averages
10-Day
$68.10
Below
20-Day
$68.50
Below
50-Day
$68.00
Below
200-Day
$72.00
Below
60-Day Support
$64.17
60-Day Resistance
$72.52
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 4 — DecliningScore: 23/100

Stock is in a downtrend below the 200-day moving average. Price is below both the 50-day and 200-day SMAs, indicating sustained selling pressure.

Unfavorable technical position; wait for Stage 1 basing
Price vs 200 SMA
-7.3%
200 SMA Slope (60d)
-1.03%
Flattening
Volume Ratio
0.81x
10d avg vs 50d avg
Days in Stage
100
Confidence: 90%

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$146M$143M$139M$132M
Gross Profit$103M$98M$96M$91M
Operating Income$48M$46M$43M$42M
Net Income$37M$36M$34M$33M
EPS (Diluted)$1.24$1.23$1.15$1.13
Gross Margin70.2%68.3%68.6%68.6%
Operating Margin32.8%32.0%30.8%31.4%
Net Margin25.0%25.4%24.4%25.1%

Why This Stock

Financial ServicesP/E ratio of 14.5Revenue growth 12.7%Profit margin 25.0%Valuation below sector median (P/E 14.5)

Tradability FilterGrade C — 52/100Score impact: +5.0pt

Volume
33
149K avg/day
Dollar Vol
60
$10M/day
Float
56
26M shares
Mkt Cap
59
$2.0B
Range
72
38% spread
Composite Liquidity Score52/100
FDCBA
low volume

Growth Projection Adjustment

0.7x dampening
weinstein basing

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
88.3%
Outstanding Shares
29M
Bid-Ask Spread
38.0%
Institutional Tradable
Limited

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.