SYBT (Stock Yards Bancorp) Moat Score: 4/10 (As of Jul. 01, 2026)


SYBT Stock Yards Bancorp Inc SYBT
69 GF Score
Price $78.41
GF Value $73.06
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Stock Yards Bancorp Moat Score?

Stock Yards Bancorp SYBT +2.48% 69 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates SYBT with a GF Score™ of 69/100 and a GF Value™ of $73.06 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,611 Banks companies, Stock Yards Bancorp ranks better than 86.22% on this metric.

Stock Yards Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Stock Yards Bancorp has Narrow Moat: Stock Yards Bancorp Inc has a modest moat due to its regional banking presence and customer relationships. It benefits from some economies of scale and customer loyalty, but lacks significant market leadership or regulatory barriers, resulting in a discernible but modest moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Stock Yards Bancorp might have Narrow Moat - Discernible but modest moat.

Stock Yards Bancorp  (NAS:SYBT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Stock Yards Bancorp Moat Score Related Terms

SYBT vs NWBI, MBIN, BANR: Moat Score Comparison

For the Banks - Regional subindustry, Stock Yards Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Stock Yards Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Stock Yards Bancorp's Moat Score falls into.


SYBT
69GF Score
Stock Yards Bancorp Inc SYBT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Stock Yards Bancorp (SYBT) has a Moat Score of 4 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Stock Yards Bancorp ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Stock Yards Bancorp's Moat Score too high?
Stock Yards Bancorp's current Moat Score is 4. Based on the distribution chart, Stock Yards Bancorp ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to NWBI and MBIN?
According to the Banks industry distribution chart, Stock Yards Bancorp ranks #222 out of 1611 companies for Moat Score. This places Stock Yards Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Stock Yards Bancorp's current Moat Score is 4. 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 $73.06, compared to a current price of $78.41 — trading 7.3% above its estimated fair value. The current Moat Score is 4. Stock Yards Bancorp's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Stock Yards Bancorp (SYBT), the current Moat Score is 4 as of Jul. 01, 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 $78.41 is trading 7.3% above its estimated GF Value™ of $73.06. GuruFocus considers Stock Yards Bancorp to be Fairly Valued.

Key valuation signals for SYBT:

  • Moat Score: 4
  • GF Value™: $73.06 vs. price of $78.41 (7.3% above fair value)
  • GF Score™: 69/100 with 4 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

Other Exchanges S4Y:Germany
Address 1040 East Main Street, Louisville, KY, USA, 40206
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

Get the complete analysis for SYBT

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$78.41
Price
$73.06
GF Value