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Stock Yards BancorpSYBT +1.28%70 Debt-to-Equity is 0.26 as of Jun. 2026, which is 63% above its 10-year median of 0.16. GuruFocus rates SYBT with a GF Score™ of 70/100 and a GF Value™ of $74.98 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,421 Banks companies, Stock Yards Bancorp ranks better than 71.78% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Stock Yards Bancorp's Debt-to-Equity or its related term are showing as below:
SYBT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.16 Max: 0.53
Current: 0.26
During the past 13 years, the highest Debt-to-Equity Ratio of Stock Yards Bancorp was 0.53. The lowest was 0.02. And the median was 0.16.
SYBT's Debt-to-Equity is ranked better than 71.78% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs SYBT: 0.26
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Stock Yards Bancorp Debt-to-Equity Related Terms
Stock Yards Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Stock Yards Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SYBT vs EFSC, BANR, INTR: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Stock Yards Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Stock Yards Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Stock Yards Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Stock Yards Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Stock Yards Bancorp (SYBT) has a Debt-to-Equity of 0.26 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Stock Yards Bancorp and its competitors. This is 63% above median its historical median of 0.16. Over the past decade, Stock Yards Bancorp's Debt-to-Equity has ranged from 0.02 to 0.53. According to the industry distribution chart, Stock Yards Bancorp ranks #401 out of 1421 companies in the Banks industry, placing it in the top 28.2%.
Is Stock Yards Bancorp's Debt-to-Equity too high?
Stock Yards Bancorp's current Debt-to-Equity of 0.26 is 63% above median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.53. The Banks industry median Debt-to-Equity is 0.58. Stock Yards Bancorp's value of 0.26 is 55.2% below this industry median. Based on the distribution chart, Stock Yards Bancorp ranks #401 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, Stock Yards Bancorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stock Yards Bancorp's Debt-to-Equity compare to EFSC and BANR?
According to the Banks industry distribution chart, Stock Yards Bancorp ranks #401 out of 1421 companies for Debt-to-Equity. This puts Stock Yards Bancorp in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Stock Yards Bancorp's value of 0.26 is 55.2% below this benchmark. Historically, Stock Yards Bancorp's own Debt-to-Equity has ranged from 0.02 to 0.53 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.58, Stock Yards Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Stock Yards Bancorp's current Debt-to-Equity of 0.26 is 55.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Stock Yards Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stock Yards Bancorp's current Debt-to-Equity is 0.26, which is 63% above median its own 10-year median of 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stock Yards Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Stock Yards Bancorp (SYBT) is currently considered Modestly Overvalued. The stock's GF Value™ is $74.98, compared to a current price of $84.62 — trading 12.9% above its estimated fair value. The current Debt-to-Equity is 0.26, which is 63% above median its 10-year median of 0.16 and 55.2% below the Banks industry median of 0.58. Stock Yards Bancorp's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Stock Yards Bancorp (SYBT), the current Debt-to-Equity is 0.26 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Stock Yards Bancorp (SYBT) Overvalued in 2026?
Based on GuruFocus' analysis, Stock Yards Bancorp stock appears to be overvalued.
The current stock price of $84.62 is trading 12.9% above its estimated GF Value™ of $74.98.
GuruFocus considers Stock Yards Bancorp to be Modestly Overvalued.
Key valuation signals for SYBT:
Debt-to-Equity: 0.26 (63% above median its 10-year median of 0.16)
GF Value™: $74.98 vs. price of $84.62 (12.9% above fair value)
Industry Position: 55.2% below the Banks median (#401 of 1421)
No single metric tells the full story. See the SYBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Stock Yards Bancorp Inc operates as a bank holding company providing commercial banking and wealth management services. Its Commercial Banking segment offers loan and deposit products to consumers and businesses, including retail and mortgage lending, deposit services, online and mobile banking, private banking, commercial and real estate lending, treasury and merchant services, international and correspondent banking, credit cards, and brokerage services through a third-party broker-dealer. Its Wealth Management and Trust (WM&T) segment provides investment management, financial and retirement planning, trust and estate services, and retirement plan management, with WM&T revenue distinguishing the company from similarly sized community banks.
70GF Score
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