Stock Yards Bancorp Inc (SYBT)vsU.S. Bancorp (USB)
SYBT
Stock Yards Bancorp Inc
$79.74
+1.00%
FINANCIAL SERVICES · Cap: $2.45B
USB
U.S. Bancorp
$62.84
+0.69%
FINANCIAL SERVICES · Cap: $97.91B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6433% more annual revenue ($27.32B vs $418.23M). SYBT leads profitability with a 35.7% profit margin vs 29.9%. SYBT appears more attractively valued with a PEG of 1.33. USB earns a higher WallStSmart Score of 77/100 (B+).
SYBT
Strong Buy71
out of 100
Grade: B
USB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.6%
Attractively priced relative to earnings
Reasonable price relative to book value
19.8% revenue growth
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SYBT
The strongest argument for SYBT centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 35.7% and operating margin at 48.6%. Revenue growth of 19.8% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : SYBT
The primary concerns for SYBT are Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
SYBT profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.97 — expect wider price swings.
SYBT is growing revenue faster at 19.8% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (77/100 vs 71/100), backed by strong 29.9% margins and 10.4% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Stock Yards Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Stock Yards Bancorp, Inc. is SYB's holding company offering various banking products and services in Louisville, Indianapolis and Cincinnati. The company is headquartered in Louisville, Kentucky.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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