Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Stock Yards Bancorp, Inc.'s quarterly P/E stands at 13.1x, down 21.7% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 19.3% YoY to 12.1x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.21 | 13.09 | 14.23 | 17.17 | 15.28 | 16.73 | 15.50 | 13.21 | 13.89 | 15.70 | 10.68 | 12.07 | 13.92 |
| — | -21.7% | -8.2% | +30.0% | +10.0% | +6.6% | +45.2% | +9.5% | -0.2% | -2.4% | -39.1% | -26.6% | -69.5% | |
| P/S Ratio | 3.78 | 3.27 | 3.62 | 4.18 | 3.85 | 4.00 | 3.54 | 2.99 | 3.04 | 3.20 | 2.62 | 3.19 | 4.04 |
| — | -18.1% | +2.1% | +39.9% | +26.6% | +25.0% | +35.2% | -6.2% | -24.8% | -36.1% | -54.0% | -42.4% | -24.5% | |
| P/B Ratio | 1.98 | 1.78 | 1.98 | 2.32 | 2.09 | 2.25 | 1.95 | 1.63 | 1.64 | 1.76 | 1.43 | 1.65 | 2.04 |
| — | -20.7% | +1.6% | +42.0% | +27.2% | +27.6% | +36.8% | -1.0% | -19.5% | -30.0% | -47.8% | -29.6% | +6.7% | |
| P/FCF | 13.85 | 10.08 | 14.69 | 10.89 | 28.55 | 33.72 | 8.47 | 7.62 | 23.03 | 13.44 | 9.46 | 10.25 | 51.04 |
| — | -70.1% | +73.6% | +42.9% | +23.9% | +151.0% | -10.5% | -25.6% | -54.9% | -3.1% | -9.9% | -86.9% | -63.9% | |
| EV / EBITDA | 14.27 | 12.13 | 12.54 | 15.40 | 14.06 | 15.02 | 13.73 | 12.66 | 12.12 | 12.23 | 10.00 | 11.10 | 11.33 |
| — | -19.3% | -8.7% | +21.7% | +16.1% | +22.8% | +37.3% | +14.1% | +6.9% | +5.1% | -16.2% | -3.7% | -60.0% | |
| EV / EBIT | 14.27 | 12.13 | 13.07 | 15.67 | 14.49 | 16.13 | 15.03 | 13.92 | 13.38 | 14.88 | 11.34 | 12.60 | 13.13 |
| — | -24.8% | -13.1% | +12.6% | +8.3% | +8.4% | +32.6% | +10.5% | +1.9% | +13.6% | -17.5% | -6.8% | -67.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Stock Yards Bancorp, Inc.'s operating margin was 32.8% in Q4 2025, up 0.7 pp QoQ and up 3.1 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. Gross margin expanded 4.2% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.2% | 70.2% | 68.3% | 68.6% | 68.6% | 67.4% | 65.0% | 67.6% | 67.9% | 66.7% | 72.3% | 76.6% | 81.0% |
| — | +4.2% | +5.1% | +1.6% | +1.1% | +1.0% | -10.2% | -11.7% | -16.2% | -22.5% | -18.5% | -21.5% | -14.6% | |
| Operating Margin | 31.6% | 32.8% | 32.0% | 30.8% | 31.4% | 29.7% | 28.8% | 28.9% | 27.9% | 25.7% | 31.6% | 34.1% | 37.1% |
| — | +10.5% | +11.2% | +6.7% | +12.7% | +15.2% | -8.9% | -15.4% | -24.9% | -37.1% | -26.1% | -21.4% | +168.5% | |
| Net Margin | 24.8% | 25.0% | 25.4% | 24.4% | 25.1% | 24.0% | 22.8% | 22.6% | 21.9% | 20.3% | 24.7% | 26.5% | 29.0% |
| — | +4.3% | +11.3% | +8.0% | +14.7% | +18.4% | -7.5% | -14.7% | -24.4% | -35.0% | -24.0% | -21.5% | +149.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.9% | 3.5% | 3.5% | 3.4% | 3.5% | 3.4% | 3.2% | 3.1% | 3.0% | 2.9% | 3.4% | 3.5% | 3.7% |
| — | +2.3% | +10.3% | +10.1% | +16.2% | +17.6% | -4.3% | -9.6% | -20.0% | -28.1% | -12.7% | -2.6% | +239.6% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% |
| — | +6.1% | +11.7% | +11.3% | +17.2% | +23.0% | +1.2% | -6.5% | -17.0% | -24.8% | -7.8% | +3.0% | +249.5% | |
| ROIC | 8.9% | 2.4% | 2.4% | 2.2% | 2.2% | 2.0% | 1.9% | 1.9% | 2.0% | 1.8% | 1.9% | 2.1% | 2.5% |
| — | +17.4% | +23.9% | +14.8% | +10.1% | +14.6% | -1.8% | -6.7% | -23.0% | -43.2% | -36.9% | -25.0% | +206.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Stock Yards Bancorp, Inc.'s Debt/EBITDA ratio is 10.0x, up from 8.5x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 26.8% YoY to 0.11x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.45 | 0.45 | 0.39 | 0.46 | 0.50 | 0.53 | 0.54 | 0.66 | 0.46 | 0.46 | 0.62 | 0.71 | 0.53 |
| — | -15.5% | -28.2% | -30.6% | +8.9% | +15.3% | -12.6% | -7.6% | -13.8% | +59.2% | +184.6% | +172.5% | +127.7% | |
| Debt / EBITDA | 2.69 | 10.01 | 8.54 | 10.53 | 11.31 | 11.79 | 12.54 | 15.20 | 10.97 | 10.62 | 12.75 | 14.24 | 9.77 |
| — | -15.1% | -31.9% | -30.8% | +3.1% | +11.0% | -1.6% | +6.7% | +12.3% | +114.0% | +245.3% | +193.2% | -25.9% | |
| Current Ratio | 0.11 | 0.11 | 0.11 | 0.15 | 0.13 | 0.15 | 0.15 | 0.16 | 0.16 | 0.17 | 0.18 | 0.20 | 0.19 |
| — | -26.8% | -23.3% | -7.0% | -18.2% | -11.2% | -15.4% | -16.6% | -15.3% | -11.5% | -8.9% | +4.0% | +3.8% | |
| Quick Ratio | 0.11 | 0.11 | 0.11 | 0.15 | 0.13 | 0.15 | 0.15 | 0.16 | 0.16 | 0.17 | 0.18 | 0.20 | 0.19 |
| — | -26.8% | -23.3% | -7.0% | -18.2% | -11.2% | -15.4% | -16.6% | -15.3% | -11.5% | -8.9% | +4.0% | +3.8% | |
| Interest Coverage | 1.07 | 1.14 | 1.06 | 1.03 | 1.02 | 0.97 | 0.91 | 0.92 | 0.90 | 0.91 | 1.26 | 1.61 | 2.27 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Stock Yards Bancorp, Inc.'s current P/E is 15.2x. The average P/E over the last 4 quarters is 14.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Stock Yards Bancorp, Inc.'s current operating margin is 31.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Stock Yards Bancorp, Inc.'s business trajectory between earnings reports.