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Upturn AI SWOT - About
Stock Yards Bancorp Inc (SYBT)
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Upturn Advisory Summary
04/01/2025: SYBT (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 24.06% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.03B USD | Price to earnings Ratio 17.72 | 1Y Target Price 78.3 |
Price to earnings Ratio 17.72 | 1Y Target Price 78.3 | ||
Volume (30-day avg) 109795 | Beta 0.85 | 52 Weeks Range 41.51 - 79.11 | Updated Date 04/1/2025 |
52 Weeks Range 41.51 - 79.11 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.79% | Basic EPS (TTM) 3.89 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.44% | Operating Margin (TTM) 45.86% |
Management Effectiveness
Return on Assets (TTM) 1.35% | Return on Equity (TTM) 12.74% |
Valuation
Trailing PE 17.72 | Forward PE 17.67 | Enterprise Value 2255459840 | Price to Sales(TTM) 5.93 |
Enterprise Value 2255459840 | Price to Sales(TTM) 5.93 | ||
Enterprise Value to Revenue 6.86 | Enterprise Value to EBITDA - | Shares Outstanding 29464600 | Shares Floating 25927125 |
Shares Outstanding 29464600 | Shares Floating 25927125 | ||
Percent Insiders 8.06 | Percent Institutions 62.04 |
Analyst Ratings
Rating 3 | Target Price 78.8 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 6 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Stock Yards Bancorp Inc
Company Overview
History and Background
Stock Yards Bancorp Inc. was founded in 1904 in Louisville, Kentucky. It has grown from a local bank to a regional financial services company through organic growth and strategic acquisitions, focusing on community banking and wealth management.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including lending, deposit accounts, and cash management to businesses of various sizes.
- Private Banking: Offers personalized banking and financial solutions to high-net-worth individuals and families.
- Wealth Management: Provides investment management, trust services, financial planning, and retirement plan services.
- Mortgage Services: Mortgage lending and related services.
Leadership and Structure
The company is led by a board of directors and a management team headed by the CEO. The organizational structure includes divisions for commercial banking, wealth management, and other key functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans, including term loans, lines of credit, and real estate financing. Market share data is not publicly available, but competition includes regional and national banks. Competitors: PNC, Fifth Third.
- Wealth Management Services: Investment management and trust services for individuals and institutions. Competitors: Baird, Morgan Stanley, Raymond James. Market share data is not publicly disclosed.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors: Chase, Regions.
Market Dynamics
Industry Overview
The banking industry is facing increased regulation, rising interest rates, and competition from non-traditional financial service providers. Economic conditions significantly influence growth and profitability.
Positioning
Stock Yards Bancorp Inc. is positioned as a regional bank focused on relationship banking and community involvement, providing personalized service and local expertise. Its conservative lending practices are a competitive advantage.
Total Addressable Market (TAM)
The TAM for banking and wealth management services in their geographic area is estimated in the billions. Stock Yards Bancorp is positioned to capture a portion of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Conservative lending practices
- Diversified revenue streams
- Solid capital base
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking products
- Smaller scale compared to national banks
- Potential interest rate sensitivity
Opportunities
- Expansion into new markets through acquisitions
- Increased demand for wealth management services
- Adoption of new technologies
- Growing small business sector
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- FITB
- KEY
Competitive Landscape
Stock Yards Bancorp Inc. competes with larger national and regional banks, as well as smaller community banks. Its competitive advantage lies in its local expertise, personalized service, and strong relationships with customers.
Major Acquisitions
Hallmark Financial Services
- Year: 2016
- Acquisition Price (USD millions): 58
- Strategic Rationale: Expand wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: Stock Yards Bancorp Inc. has experienced steady growth in assets, loans, and deposits over the past decade, driven by organic growth and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased demand for financial services. EPS growth is expected to be in the mid-single digits.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets through acquisitions, and enhanced wealth management services.
Summary
Stock Yards Bancorp Inc. is a financially stable regional bank with a strong presence in its markets. Its conservative lending practices and focus on relationship banking are working well. It needs to watch out for competition from larger banks and potential economic downturns, and cyber security threats
Similar Companies
- PNC
- FITB
- FFBC
- CMA
- UMBF
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Earnings releases, Investor presentations, Analyst reports (Yahoo Finance, SEC.gov)
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on available information and estimates. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Stock Yards Bancorp Inc
Exchange NASDAQ | Headquaters Louisville, KY, United States | ||
IPO Launch date 1993-03-26 | CEO & Chairman of the Board Mr. James A. Hillebrand | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1080 | Website https://www.syb.com |
Full time employees 1080 | Website https://www.syb.com | ||
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 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 provides investment management, financial and retirement planning, and trust and estate services, as well as retirement plan management for businesses and corporations. It provides services in Louisville, central, eastern, and northern Kentucky, as well as Indianapolis, Indiana and Cincinnati, Ohio metropolitan markets. The company was founded in 1904 and is headquartered in Louisville, Kentucky.
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