SYBT (Stock Yards Bancorp) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Stock Yards Bancorp LT-Debt-to-Total-Asset?

Stock Yards Bancorp SYBT -0.22% 69 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates SYBT with a GF Score™ of 69/100 and a GF Value™ of $73.40 (Fairly Valued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Stock Yards Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Stock Yards Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.04) to Mar. 2026 (0.04). It may suggest that Stock Yards Bancorp is progressively becoming less dependent on debt to grow their business.

Stock Yards Bancorp (NAS:SYBT) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Stock Yards Bancorp LT-Debt-to-Total-Asset Related Terms

Stock Yards Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Stock Yards Bancorp's LT-Debt-to-Total-Asset 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.

Stock Yards Bancorp LT-Debt-to-Total-Asset Chart

Stock Yards Bancorp Annual Data

Trend

Dec16

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Dec25

LT-Debt-to-Total-Asset

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0.00

0.01

0.03

0.04

0.03

Stock Yards Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.04	0.04	0.04	0.03	0.04

69GF Score

Stock Yards Bancorp Inc SYBT

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Stock Yards Bancorp LT-Debt-to-Total-Asset Calculation

Stock Yards Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	326.806	/	9536.124
	=	0.03

Stock Yards Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	326.806	/	9466.856
	=	0.03

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Stock Yards Bancorp (SYBT) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Stock Yards Bancorp and its competitors.

Is Stock Yards Bancorp's LT-Debt-to-Total-Asset too high?

Stock Yards Bancorp's current LT-Debt-to-Total-Asset is 0.04. Overall, Stock Yards Bancorp has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Stock Yards Bancorp's LT-Debt-to-Total-Asset compare to NWBI and MBIN?

Stock Yards Bancorp's LT-Debt-to-Total-Asset of 0.04 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Stock Yards Bancorp and its competitors. Stock Yards Bancorp's current LT-Debt-to-Total-Asset is 0.04. 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 Fairly Valued. The stock's GF Value™ is $73.40, compared to a current price of $78.15 — trading 6.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Stock Yards Bancorp's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Stock Yards Bancorp (SYBT), the current LT-Debt-to-Total-Asset is 0.04 as of Mar. 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 $78.15 is trading 6.5% above its estimated GF Value™ of $73.40. GuruFocus considers Stock Yards Bancorp to be Fairly Valued.

Key valuation signals for SYBT:

LT-Debt-to-Total-Asset: 0.04
GF Value™: $73.40 vs. price of $78.15 (6.5% above fair value)
GF Score™: 69/100 with 5 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies NWBI MBIN BANR BLX HAPN CLBK INTR FCF OFG EFSC SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges S4Y:Germany

Address 1040 East Main Street, Louisville, KY, USA, 40206

Website https://www.syb.com

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.

69GF Score

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$78.15

Price

$73.40

GF Value

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