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→Stable
- Regional Bank Net Margin Strength→Stable
- Elevated Put Call Options Risk↓Deteriorating
- +1 more pillar — see the Why tab for full reasoning
Stock Yards Bancorp, Inc. (SYBT) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $81.80, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.4% away).
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 $81.80, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.4% away). Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Downgraded from BUY WAIT — price $81.80 has reached target $80.85. No upside to wait for. Score 5.6/10, moderate confidence.
Passes 5/8 gates (positive momentum, clean insider activity, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 3d<=7d. Suitability: aggressive.
Recent developments
updated 2026-07-26Recent Developments — Stock Yards Bancorp, Inc.
Latest news
- NEWS Stock Yards Bank (NASDAQ:SYBT) Reports Q1 CY2026 In Line With Expectations - StockStory — StockStory neutral
- NEWS Stock Yards Bank (NASDAQ:SYBT) Reports Q1 CY2026 In Line With Expectations - FinancialContent — FinancialContent positive
- NEWS Stock Yards Bancorp's Q1 Net Income, Revenue Rise - Moomoo — Moomoo positive
- NEWS Stock Yards Bancorp Releases Q1 2026 Financial Results - AlphaStreet — AlphaStreet neutral
- NEWS SYBT Reports Strong Q1 Performance with Increased Revenue and Bo - GuruFocus — GuruFocus positive
Generated 2026-07-26T08:02:05Z.
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.
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Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $81.80, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.4% away). Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Downgraded from BUY WAIT — price $81.80 has reached target $80.85. No upside to wait for. Target $80.85 (-1.2%), stop $72.05 (−13.5%), A.R:R -1.7:1. Score 5.6/10, moderate confidence.
Take-profit target: $80.85 (-16.0% upside). Target $80.85 (-1.2%), stop $72.05 (−13.5%), A.R:R -1.7:1. Stop-loss: $72.05.
Analyst target reached - limited upside remaining; Near 52-week high (2.4% away).
Stock Yards Bancorp, Inc. trades at a P/E of 16.6 (forward 14.7). TrendMatrix value score: 6.0/10. Verdict: Hold.
11 analysts cover SYBT with a consensus score of 3.7/5. Average price target: $79.
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.