Stock Yards Bancorp, Inc. (SYBT)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$81.53+1.80%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · SYBT
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 11.6% |
| Our one-year growth estimate | diamond | 3.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 8.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
SYBT — dividend update
Dated 2026-08-19
Other Events. On August 18, 2026, the Board of Directors of Stock Yards Bancorp, Inc. voted to increase the Company's quarterly cash dividend to $0.33 per common share. The dividend will be paid on October 1, 2026, to stockholders of record as of September 21, 2026. On August 19, 2026, Stock Yards Bancorp, Inc. issued a press release, a copy of which is attached hereto as Exhibit 99.1 and incorporated by reference, announcing the dividend increase.
Why it matters: The bank set aside $250,000 for its only corporate bond after a default. A larger loss could cut earnings; recovery would limit the damage.
Watch forThe bank says it recovered or resolved the defaulted bond. It added no allowance above the $250,000 set in Q3.
Also watch forThe bank adds to the $250,000 allowance or reports a realized loss on the defaulted bond.
Why it matters: The core systems conversion finished in October, but more merger costs remain. Lower costs would show progress in joining the two banks.
Supportive ifQ4 one-time merger costs are lower than Q3's $678,000, and total merger costs fall from Q3's $6.2 million.
Worry ifQ4 merger costs exceed Q3's $6.2 million, or the company reports new delays after the systems change.
Why it matters: Assets stood at $10.26 billion in Q3. Management says it aims to end the year below $10 billion before crossing the line in 2027.
Watch forAssets are below $10 billion on December 31, 2026. This confirms management's stated year-end goal.
Also watch forAssets remain at or above $10 billion at December 31, 2026, missing the stated goal.
Why it matters: Management said payoffs may weigh on growth, though its pipeline was steady. Stronger growth would show that new lending is offsetting loan exits.
Supportive ifQ4 loans rise from $7.99 billion at September 30, 2026, and management reports that production more than offsets payoffs.
Worry ifQ4 loans are flat or lower. Management says payoffs still exceed production.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$99 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $211 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,470 loss on $10,000 · 14.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: WM&T, treasury fees, and brokerage income each set records in Q3. More growth would support the bank's fee income beyond lending.
Supportive ifQ4 non-interest income exceeds Q3's $27.6 million, with WM&T revenue above its Q3 record of $12.9 million.
Worry ifQ4 non-interest income falls below $27.6 million, and WM&T revenue falls below $12.9 million.
Why it matters: Margin rose to 3.88% in Q3. Further gains would build on lower deposit costs and loan repricing.
Supportive ifQ4 net interest margin is above the Q3 level of 3.88%.
Worry ifQ4 net interest margin is below 3.88%, with higher funding costs weighing on results.