Stock Yards BancorpSYBT -0.22%69 Return-on-Tangible-Equity is 16.76% as of Mar. 2026, which is 2% above its 10-year median of 16.48. GuruFocus rates SYBT with a GF Score™ of 69/100 and a GF Value™ of $73.54 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Stock Yards Bancorp ranks better than 83.78% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Stock Yards Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $146.4 Mil. Stock Yards Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $873.5 Mil. Therefore, Stock Yards Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 16.76%.
The historical rank and industry rank for Stock Yards Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
SYBT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.86 Med: 16.48 Max: 18.63
Current: 17.44
During the past 13 years, Stock Yards Bancorp's highest Return-on-Tangible-Equity was 18.63%. The lowest was 11.86%. And the median was 16.48%.
SYBT's Return-on-Tangible-Equity is ranked better than 83.78% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs SYBT: 17.44
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Stock Yards Bancorp Return-on-Tangible-Equity Related Terms
Stock Yards Bancorp Return-on-Tangible-Equity Historical Data
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The historical data trend for Stock Yards Bancorp's Return-on-Tangible-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 NWBI, MBIN, BANR: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Stock Yards Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Stock Yards Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Stock Yards Bancorp's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 16.76% mean?
Stock Yards Bancorp (SYBT) has a Return-on-Tangible-Equity of 16.76% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Stock Yards Bancorp and its competitors. This is near median its historical median of 16.48. Over the past decade, Stock Yards Bancorp's Return-on-Tangible-Equity has ranged from 11.86 to 18.63. According to the industry distribution chart, Stock Yards Bancorp ranks #247 out of 1523 companies in the Banks industry, placing it in the top 16.2%.
Is Stock Yards Bancorp's Return-on-Tangible-Equity too high?
Stock Yards Bancorp's current Return-on-Tangible-Equity of 16.76% is near median its 10-year median of 16.48. Over the past 10 years, this metric has ranged from a low of 11.86 to a high of 18.63. The Banks industry median Return-on-Tangible-Equity is 11.19. Stock Yards Bancorp's value of 16.76% is 49.8% above this industry median. Based on the distribution chart, Stock Yards Bancorp ranks #247 out of 1523 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 Return-on-Tangible-Equity compare to NWBI and MBIN?
According to the Banks industry distribution chart, Stock Yards Bancorp ranks #247 out of 1523 companies for Return-on-Tangible-Equity. This places Stock Yards Bancorp in the top 16% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Stock Yards Bancorp's value of 16.76% is 49.8% above this benchmark. Historically, Stock Yards Bancorp's own Return-on-Tangible-Equity has ranged from 11.86 to 18.63 over the past decade. While the company's 10-year median is 16.48 vs. the industry median of 11.19, Stock Yards Bancorp has consistently been above 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Stock Yards Bancorp's current Return-on-Tangible-Equity of 16.76% is 49.8% above 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Stock Yards Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stock Yards Bancorp's current Return-on-Tangible-Equity is 16.76%, which is near median its own 10-year median of 16.48. 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 $73.54, compared to a current price of $78.15 — trading 6.3% above its estimated fair value. The current Return-on-Tangible-Equity is 16.76%, which is near median its 10-year median of 16.48 and 49.8% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Stock Yards Bancorp (SYBT), the current Return-on-Tangible-Equity is 16.76% 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 6.3% above its estimated GF Value™ of $73.54.
GuruFocus considers Stock Yards Bancorp to be Fairly Valued.
Key valuation signals for SYBT:
Return-on-Tangible-Equity: 16.76% (near median its 10-year median of 16.48)
GF Value™: $73.54 vs. price of $78.15 (6.3% above fair value)
Industry Position: 49.8% above the Banks median (#247 of 1523)
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.
69GF Score
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