Stock Yards Bancorp Inc. (SYBT) and F.N.B. Corporation (NYSE:FNB) Contrasting side by side

Stock Yards Bancorp Inc. (NASDAQ:SYBT) and F.N.B. Corporation (NYSE:FNB), both competing one another are Regional – Southeast Banks companies. We will compare their dividends, analyst recommendations, institutional ownership, profitability, risk, earnings and valuation.

Valuation & Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Stock Yards Bancorp Inc. 155.44M 5.07 55.52M 2.42 14.79
F.N.B. Corporation 1.15B 3.16 364.96M 1.12 10.88

Table 1 demonstrates Stock Yards Bancorp Inc. and F.N.B. Corporation’s gross revenue, earnings per share and valuation. F.N.B. Corporation appears to has lower earnings, but higher revenue than Stock Yards Bancorp Inc. Company that presently has a higher price-to-earnings ratio means that it is the more expensive of the two businesses. Stock Yards Bancorp Inc. is thus presently the expensive of the two stocks because it has a higher price-to-earnings ratio.


Table 2 has Stock Yards Bancorp Inc. and F.N.B. Corporation’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Stock Yards Bancorp Inc. 35.72% 12.7% 1.3%
F.N.B. Corporation 31.74% 8.3% 1.1%

Volatility and Risk

Stock Yards Bancorp Inc. has a 0.46 beta, while its volatility is 54.00% which is less volatile than S&P 500. F.N.B. Corporation’s 21.00% more volatile than S&P 500 which is a result of the 1.21 beta.


$0.96 per share with a dividend yield of 2.77% is the annual dividend that Stock Yards Bancorp Inc. pay. F.N.B. Corporation has an annual dividend pay of $0.48 per share while its annual dividend yield is 4.17%.

Institutional and Insider Ownership

Roughly 51.8% of Stock Yards Bancorp Inc. shares are held by institutional investors while 79.7% of F.N.B. Corporation are owned by institutional investors. Stock Yards Bancorp Inc.’s share held by insiders are 4.5%. Insiders Competitively, held 0.3% of F.N.B. Corporation shares.


Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Stock Yards Bancorp Inc. -1.68% 3.47% 13.16% -7.57% 2.05% 9.05%
F.N.B. Corporation -0.9% 4.46% -1.06% -8.98% -13.01% 23.68%

For the past year Stock Yards Bancorp Inc. has weaker performance than F.N.B. Corporation


Stock Yards Bancorp Inc. beats on 11 of the 14 factors F.N.B. Corporation.

Stock Yards Bancorp, Inc. operates as the bank holding company for Stock Yards Bank & Trust Company that provides commercial and personal banking services in Louisville, Indianapolis, and Cincinnati. Its deposit products include non-interest and interest bearing demand deposits, savings deposits, certificates of deposit, money market deposits, and time deposits. The companyÂ’s loan portfolio comprises commercial and industrial, construction and development, undeveloped land, real estate mortgage, and consumer loans; and originates and sells single-family residential mortgages. In addition, it offers securities brokerage services through an arrangement with a third party broker-dealer; and investment management, retirement planning, trust and estate administration, and financial planning services. As of December 31, 2016, the company had 37 banking locations, including 28 full service banking locations in the Louisville metropolitan statistical area (MSA), 4 full service banking locations in the Indianapolis MSA, and 5 full service banking locations in the Cincinnati MSA. Stock Yards Bancorp, Inc. was founded in 1904 and is headquartered in Louisville, Kentucky.

F.N.B. Corporation, a financial holding company, provides a range of financial services to consumers, corporations, governments, and small- to medium-sized businesses primarily in Pennsylvania, eastern Ohio, and northern West Virginia. It operates through four segments: Community Banking, Wealth Management, Insurance, and Consumer Finance. The Community Banking segment offers commercial banking services, such as corporate banking, small business banking, investment real estate financing, asset based lending, and capital markets and lease financing; and consumer banking services consisting of deposit products, mortgage and consumer lending, and a suite of mobile and online banking services. The Wealth Management segment provides a range of personal and corporate fiduciary services, including the administration of decedent and trust estates; investment products and services; and investment programs comprising mutual funds, annuities, stocks, and bonds for individuals, corporations, and retirement funds, as well as community banking customers. The Insurance segment operates as a full-service insurance brokerage agency that offers commercial and personal insurance products through various carriers to businesses and individuals; acts as a reinsurer to underwrite credit life, and accident and health insurance products; and provides title insurance products. The Consumer Finance segment is primarily involved in making personal installment loans to individuals; and purchasing installment sales finance contracts from retail merchants. The company also offers mezzanine financing options for small-to medium-sized businesses; and new or used equipment commercial loans and leasing services. As of December 31, 2016, it had 324 community banking offices in Pennsylvania, Ohio, Maryland, and West Virginia; and 77 consumer finance offices in Pennsylvania, Ohio, Tennessee, and Kentucky. F.N.B. Corporation was founded in 1974 and is headquartered in Pittsburgh, Pennsylvania.

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