Stock Yards Bancorp, Inc. (SYBT) Fair Value 2026

SYBT · State Commercial Banks ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.7 /10

32 fundamental signals · 13 models active

Value Trap Risk

SAFE (20/100)

Quick Summary — As of 2026-07-14, Stock Yards Bancorp, Inc. (SYBT) trades at $76.99, approximately 50% above CirclFi’s Bayesian DCF fair value of $51.41. QOC: 6.7/10. Value Trap Risk: 20/100 (SAFE). 13/13 models active.

Key Facts

Ticker
SYBT
Price
$76.99
Quality Score
6.7/10
Value Trap Risk
20/100
Models Active
13/13
Last Updated
Strength: First Chicago suggests +18.5% upside with 46% confidence
Risk: Majority of models suggest overvaluation

Valuation Matrix

13 Intrinsic Value Models vs. Current Price ($76.99)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
$51.41 -33.2%
Earnings Power Value
High Conviction
$17.51 -77.3%
CUCE Ensemble
Low Conviction
$57.51 -25.3%
First Chicago
Medium Conviction
$91.25 +18.5%

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What Is Stock Yards Bancorp, Inc. (SYBT) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Stock Yards Bancorp, Inc.'s intrinsic value is estimated at a composite fair value of $75.26. Trading at $76.99, the stock is approaching fair value or slight overvaluation (implied return of -2.2%), as 9 of 13 models suggest limited further upside. Notably, ML-RIV sees the most upside at +176.9% (fair value: $213.18), while EPV is the most conservative at -77.3% ($17.51). The spread between these extremes — +254.1% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About SYBT?

13 of 13 models are currently active for SYBT. Of these, 3 models suggest upside while 10 models suggest overvaluation. The Bayesian DCF estimates SYBT's intrinsic value at $51.41, implying -33.2% downside from the current price. See which stocks rank higher →

How Does SYBT Rank in State Commercial Banks?

Among 172 State Commercial Banks stocks, SYBT ranks #152 by Quality of Company score. CirclFi's QOC score of 6.7/10 evaluates 32 fundamental signals. A score of 6.7 indicates above-average quality.

See all Most Undervalued State Commercial Banks Stocks →

Stock Yards Bancorp, Inc.'s positioning within the State Commercial Banks segment means that return on tangible equity plays an outsized role in fundamental analysis. The sector's unique characteristics — including digital banking adoption — shape both the opportunity set and risk profile.

Is SYBT a Value Trap?

CirclFi's Value Trap algorithm assigns SYBT a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

13 of 13 models are active for Stock Yards Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Stock Yards Bancorp, Inc. earns a quality score of 6.7/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +254.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SYBT valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SYBT's 13 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Stock Yards Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar State Commercial Banks Stocks Should You Also Analyze?

8 related State Commercial Banks stocks with 13-model coverage

Read investment analysis: BSVN · OFG · CZNC · NPB · UNTY

See all State Commercial Banks stocks ranked →

Frequently Asked Questions About Stock Yards Bancorp, Inc.

What is Stock Yards Bancorp, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Stock Yards Bancorp, Inc. (SYBT) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $51.41. The Quality of Company score is 6.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SYBT overvalued or undervalued right now?

At $76.99, 3 of 13 active models suggest SYBT may be undervalued, while 10 indicate potential overvaluation. The assessment depends on which methodology best fits Stock Yards Bancorp, Inc.'s business model in State Commercial Banks.

What does a Quality of Company score of 6.7 mean for SYBT?

Stock Yards Bancorp, Inc.'s QOC of 6.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on SYBT?

CirclFi analyzes SYBT with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 13 of 13 are active for this stock. Read the full methodology →

Is SYBT a value trap in 2026?

Stock Yards Bancorp, Inc.'s Value Trap score is 20/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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