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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.59
SYBT's Cash to Debt is ranked higher than
76% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. SYBT: 1.59 )
SYBT' s 10-Year Cash to Debt Range
Min: 0.17   Max: 14.56
Current: 1.59

0.17
14.56
Equity to Asset 0.10
SYBT's Equity to Asset is ranked higher than
75% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SYBT: 0.10 )
SYBT' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.1

0.07
0.1
Interest Coverage 4.19
SYBT's Interest Coverage is ranked higher than
88% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. SYBT: 4.19 )
SYBT' s 10-Year Interest Coverage Range
Min: 0.56   Max: 4.19
Current: 4.19

0.56
4.19
F-Score: 5
Z-Score: 0.34
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 33.02
SYBT's Operating margin (%) is ranked higher than
79% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. SYBT: 33.02 )
SYBT' s 10-Year Operating margin (%) Range
Min: 26.2   Max: 41.39
Current: 33.02

26.2
41.39
Net-margin (%) 23.36
SYBT's Net-margin (%) is ranked higher than
78% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. SYBT: 23.36 )
SYBT' s 10-Year Net-margin (%) Range
Min: 18.38   Max: 28.63
Current: 23.36

18.38
28.63
ROE (%) 11.84
SYBT's ROE (%) is ranked higher than
88% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. SYBT: 11.84 )
SYBT' s 10-Year ROE (%) Range
Min: 10.62   Max: 19.28
Current: 11.84

10.62
19.28
ROA (%) 1.14
SYBT's ROA (%) is ranked higher than
87% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. SYBT: 1.14 )
SYBT' s 10-Year ROA (%) Range
Min: 0.91   Max: 1.63
Current: 1.14

0.91
1.63
ROC (Joel Greenblatt) (%) 96.45
SYBT's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. SYBT: 96.45 )
SYBT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 67.63   Max: 136.4
Current: 96.45

67.63
136.4
Revenue Growth (%) 3.50
SYBT's Revenue Growth (%) is ranked higher than
82% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SYBT: 3.50 )
SYBT' s 10-Year Revenue Growth (%) Range
Min: 3.5   Max: 21.5
Current: 3.5

3.5
21.5
EBITDA Growth (%) 8.10
SYBT's EBITDA Growth (%) is ranked higher than
75% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SYBT: 8.10 )
SYBT' s 10-Year EBITDA Growth (%) Range
Min: -9.7   Max: 26.4
Current: 8.1

-9.7
26.4
EPS Growth (%) 4.20
SYBT's EPS Growth (%) is ranked higher than
68% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. SYBT: 4.20 )
SYBT' s 10-Year EPS Growth (%) Range
Min: -8.4   Max: 26
Current: 4.2

-8.4
26
» SYBT's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

SYBT Guru Trades in

SYBT Guru Trades in

Q1 2014

SYBT Guru Trades in Q1 2014

Jim Simons 26,552 sh (New)
» More
Q2 2014

SYBT Guru Trades in Q2 2014

Scott Black 19,747 sh (New)
Jim Simons 55,799 sh (+110.15%)
» More
» Details

Insider Trades

Latest Guru Trades with SYBT

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Scott Black 2014-06-30 New Buy0.09%$27.44 - $32.04 $ 30.123%19747
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Stock Yards Bancorp Inc

SymbolPriceYieldDescription
SYBTP10.007.50S.Y. Bancorp, Inc.,10.00% Cumulative Trust Preferred Securities

Ratios

vs
industry
vs
history
P/E(ttm) 14.60
SYBT's P/E(ttm) is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. SYBT: 14.60 )
SYBT' s 10-Year P/E(ttm) Range
Min: 10.92   Max: 20.49
Current: 14.6

10.92
20.49
P/B 1.81
SYBT's P/B is ranked higher than
51% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SYBT: 1.81 )
SYBT' s 10-Year P/B Range
Min: 1.39   Max: 3.31
Current: 1.81

1.39
3.31
P/S 3.69
SYBT's P/S is ranked higher than
55% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. SYBT: 3.69 )
SYBT' s 10-Year P/S Range
Min: 2.46   Max: 10.78
Current: 3.69

2.46
10.78
PFCF 9.21
SYBT's PFCF is ranked higher than
81% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. SYBT: 9.21 )
SYBT' s 10-Year PFCF Range
Min: 6.62   Max: 55.87
Current: 9.21

6.62
55.87
EV-to-EBIT 10.09
SYBT's EV-to-EBIT is ranked higher than
87% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. SYBT: 10.09 )
SYBT' s 10-Year EV-to-EBIT Range
Min: 9.2   Max: 26.9
Current: 10.09

9.2
26.9
PEG 1.14
SYBT's PEG is ranked higher than
88% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SYBT: 1.14 )
SYBT' s 10-Year PEG Range
Min: 0.95   Max: 440.33
Current: 1.14

0.95
440.33
Shiller P/E 16.72
SYBT's Shiller P/E is ranked higher than
80% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.55 vs. SYBT: 16.72 )
SYBT' s 10-Year Shiller P/E Range
Min: 11.1   Max: 23.71
Current: 16.72

11.1
23.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.79
SYBT's Dividend Yield is ranked higher than
59% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. SYBT: 2.79 )
SYBT' s 10-Year Dividend Yield Range
Min: 1.14   Max: 3.91
Current: 2.79

1.14
3.91
Dividend Payout 0.41
SYBT's Dividend Payout is ranked higher than
68% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. SYBT: 0.41 )
SYBT' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.81
Current: 0.41

0.11
0.81
Dividend growth (3y) 5.50
SYBT's Dividend growth (3y) is ranked higher than
77% of the 979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. SYBT: 5.50 )
SYBT' s 10-Year Dividend growth (3y) Range
Min: 1.9   Max: 31.5
Current: 5.5

1.9
31.5
Yield on cost (5-Year) 3.52
SYBT's Yield on cost (5-Year) is ranked higher than
64% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. SYBT: 3.52 )
SYBT' s 10-Year Yield on cost (5-Year) Range
Min: 1.43   Max: 4.92
Current: 3.52

1.43
4.92
Share Buyback Rate -1.40
SYBT's Share Buyback Rate is ranked higher than
74% of the 1240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. SYBT: -1.40 )
SYBT' s 10-Year Share Buyback Rate Range
Min: 2.8   Max: -1.4
Current: -1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.81
SYBT's Price/Tangible Book is ranked higher than
63% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. SYBT: 1.81 )
SYBT' s 10-Year Price/Tangible Book Range
Min: 1.4   Max: 4.2
Current: 1.81

1.4
4.2
Price/DCF (Projected) 0.85
SYBT's Price/DCF (Projected) is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. SYBT: 0.85 )
SYBT' s 10-Year Price/DCF (Projected) Range
Min: 0.65   Max: 1.58
Current: 0.85

0.65
1.58
Price/Median PS Value 0.96
SYBT's Price/Median PS Value is ranked higher than
87% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SYBT: 0.96 )
SYBT' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 2.59
Current: 0.96

0.64
2.59
Price/Peter Lynch Fair Value 1.20
SYBT's Price/Peter Lynch Fair Value is ranked higher than
89% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SYBT: 1.20 )
SYBT' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.48   Max: 3.45
Current: 1.2

0.48
3.45
Price/Graham Number 1.08
SYBT's Price/Graham Number is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SYBT: 1.08 )
SYBT' s 10-Year Price/Graham Number Range
Min: 0.83   Max: 2.12
Current: 1.08

0.83
2.12
Earnings Yield (Greenblatt) 9.90
SYBT's Earnings Yield (Greenblatt) is ranked higher than
83% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SYBT: 9.90 )
SYBT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.7   Max: 10.9
Current: 9.9

3.7
10.9
Forward Rate of Return (Yacktman) 17.25
SYBT's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. SYBT: 17.25 )
SYBT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.2   Max: 21.2
Current: 17.25

6.2
21.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
S. Y. Bancorp, Inc., was incorporated in 1988 and is a Kentucky corporation headquartered in Louisville, Kentucky. Bancorp is a bank holding company registered with, and subject to supervision, regulation and examination by the Board of Governors of the Federal Reserve System. Bancorp has two subsidiaries, Stock Yards Bank & Trust Company (the Bank) and S.Y. Bancorp Capital Trust II (the Trust). The Bank is wholly owned and is a state chartered bank. Because Bancorp has no operations of its own, its business and that of the Bank are essentially the same. The operations of the Bank are fully reflected in the consolidated financial statements of Bancorp. Accordingly, references to 'Bancorp' in this document may encompass both the holding company and the Bank. The Trust is a Delaware statutory trust that is a 100%-owned finance subsidiary of Bancorp. At December 31, 2012, the Bank had 25 full service banking locations in the Louisville MSA, three full service banking locations in the Indianapolis MSA, and three full service banking locations in the Cincinnati MSA. Bank holding companies and commercial banks are extensively regulated under both federal and state laws. Changes in applicable laws or regulations may have a material effect on the business and prospects of Bancorp and the Bank.
» More Articles for SYBT

Headlines

Articles On GuruFocus.com
Largest Insider Buys of the Past Week Dec 31 2013 
Group Insider Buying Reported in Regional Banking Stocks Jul 24 2013 
Insider Buys at 52-Week Highs Jul 16 2013 
insiders Aug 07 2011 
S.Y. Bancorp Inc. (SYBT) Chairman & CEO David P Heintzman sells 3,000 Shares Feb 14 2011 
S.Y. Bancorp Inc. (SYBT) Chairman & CEO David P Heintzman sells 7,121 Shares Jul 28 2010 
S.Y. Bancorp Inc. (SYBT) Chairman & CEO David P Heintzman sells 5,000 Shares Apr 29 2010 
S.Y. Bancorp Inc. (SYBT) Chairman & CEO David P Heintzman sells 5,000 Shares Mar 24 2010 
S.Y. Bancorp Inc. (SYBT) Chairman & CEO David P Heintzman sells 1,150 Shares Oct 29 2009 
S.Y. Bancorp Reports Solid Fourth Quarter and Full-Year Results against a Backdrop of Turbulent Econ Jan 23 2009 

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