Stock Yards Bancorp has delivered four consecutive earnings beats and strong technical momentum through a golden cross setup, but an elevated put-to-call ratio of 7.14 and a negative reward-to-risk ratio signal that the market is pricing in more downside than the earnings record alone would suggest.
Thesis pillars
- Perfect Four Quarter Beat Streak↓Deteriorating
- Regional Bank Net Margin Strength→Stable
- Elevated Put Call Options Risk→Stable
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 26, 2026· older than 90 days
Stock Yards Bancorp, Inc. (SYBT) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $80.09, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings estimates trending DOWN.
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... Read more
Hold if already holding. Not a fresh buy at $80.09, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings estimates trending DOWN. Chart setup: Golden cross, above all MAs, RSI 66, MACD bullish. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.
Passes 5/7 gates (positive momentum, clean insider activity, earnings proximity 82d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated Oct 28, 2026Recent Developments — Stock Yards Bancorp, Inc.
Latest news
- NEWS Stock Yards Bank (NASDAQ:SYBT) beats Q3 2026 sales expectations - StockStory — StockStory Oct 28, 2026 positive
- NEWS Stock Yards Bank (NASDAQ:SYBT) beats Q3 2026 sales expectations - TradingView — TradingView Oct 28, 2026 positive
- NEWS Stock Yards Bank (NASDAQ:SYBT) beats Q3 2026 sales expectations - FinancialContent — FinancialContent Oct 28, 2026 positive
- NEWS Stock Yards: Q3 Earnings Snapshot - Yahoo Finance — Yahoo Finance Oct 28, 2026 neutral
- NEWS Stock Yards: Q3 Earnings Snapshot - KTVB — KTVB Oct 28, 2026 neutral
Latest item Oct 28, 2026 · Generated 2026-11-04T11:39:51Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMProductWM&T10-K Item 1A: 'Income from WM&T constitutes approximately 44% of non-interest income.'
- MEDIUMcounterpartyFNMA and FHLMC10-K Item 1A: 'Our ability to generate revenue through mortgage loan sales...depends to a significant degree on programs administered by the FNMA and FHLMC'
- MEDIUMloan_portfoliolarge commercial deposits10-K Item 1A: 'as a commercial bank, we are dependent on large commercial deposits. We consider the majority of these deposits to be core funds'
Material Events(8-K, last 90d)
- 2026-05-01Item 5.02LOWScott P. Davis appointed to Board of Directors effective May 1, 2026, in connection with completion of the Field & Main Bancorp, Inc. acquisition. Davis served as CEO of Field & Main Bancorp for more than three decades. No departures reported.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $80.09, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings estimates trending DOWN. Chart setup: Golden cross, above all MAs, RSI 66, MACD bullish. Maintain position. Not compelling to add more. Analyst target $76.21 reached (−4.8%), stop $76.35 (−4.9%), A.R:R -0.6:1. Score 6.1/10, moderate confidence.
Analyst target $76.21 reached (−4.8% from $80.09); no take-profit level is published. Analyst target $76.21 reached (−4.8%), stop $76.35 (−4.9%), A.R:R -0.6:1. Stop-loss: $76.35.
Analyst target reached - limited upside remaining; Earnings estimates trending DOWN.
Stock Yards Bancorp, Inc. trades at a P/E of 15.4 (forward 13.7). TrendMatrix value score: 6.7/10. Verdict: Hold.
11 analysts rate SYBT, with a consensus score of 2.5/5. 5 analysts publish price targets averaging $88.
What does Stock Yards Bancorp, Inc. do?Stock Yards Bancorp, Inc. operates as a holding company for Stock Yards Bank & Trust Company that provides various...
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 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.