ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Stock Yards Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 16.19%
2
Healthy long term growth as Net profit has grown by an annual rate of 18.94%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 8 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 160.57 MM
- ROCE(HY) Highest at 1.53%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.81%, it has a fair valuation with a 1.75 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 3.70%, its profits have risen by 22.4% ; the PEG ratio of the company is 0.6
5
High Institutional Holdings at 71.48%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 6.09% over the previous quarter.
6
Underperformed the market in the last 1 year
- The stock has generated a return of 3.70% in the last 1 year, much lower than market (S&P 500) returns of 15.36%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Stock Yards Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Stock Yards Bancorp, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Stock Yards Bancorp, Inc.
3.7%
2.83
25.81%
S&P 500
15.36%
1.17
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.89%
EBIT Growth (5y)
19.47%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
26.53%
Pledged Shares
0
Institutional Holding
65.39%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.75
EV to EBIT
8.32
EV to EBITDA
7.95
EV to Capital Employed
2.33
EV to Sales
3.03
PEG Ratio
0.61
Dividend Yield
NA
ROCE (Latest)
27.99%
ROE (Latest)
13.03%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 160.57 MM
ROCE(HY)
Highest at 1.53%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 87.83 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 92.9%
NET SALES(Q)
Highest at USD 128.31 MM
OPERATING PROFIT(Q)
Highest at USD 53.09 MM
OPERATING PROFIT MARGIN(Q)
Highest at 41.37 %
PRE-TAX PROFIT(Q)
Highest at USD 53.05 MM
NET PROFIT(Q)
Highest at USD 41.86 MM
EPS(Q)
Highest at USD 1.31
-9What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 102.58 MM
ROCE(HY)
Lowest at 1.53%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 24.42%
Here's what is working for Stock Yards Bancorp, Inc.
Operating Cash Flow
Highest at USD 160.57 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
NII
Highest at USD 87.83 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 128.31 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 53.09 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 41.37 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 53.05 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 41.86 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.31
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 92.9%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Stock Yards Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.31%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 102.58 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 24.42%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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