Banner vs Stock Yards Bancorp

This page compares Banner (Banner Corp) and Stock Yards Bancorp Inc, examining their business models, financial performance, and market context in a neutral, accessible way. The content aims to present facts clearly for readers seeking perspective without endorsing the data or projections. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

BANR

Metric

SYBT

$2.19B

Market Cap

$2.00B

9.04%

Potential Profit

10.05%

Buy

Analyst Rating

Hold

Investment Analysis

Banner

BANR

Pros

Consistent net income growth with $144.1 million for the nine months ended September 2025, showing operational strength.
Payout of a 3.17% dividend yield with recent quarterly cash dividend increased by 4%, indicating shareholder return focus.
Diverse banking services including commercial banking, treasury management, and retirement plans supporting revenue streams.

Considerations

Revenue decreased by 1.41% in 2024 compared to prior year, evidencing some top-line pressure.
Net income dropped by 8.02% in 2024, suggesting profitability challenges amid competitive and regulatory pressures.
Stock price declined by about 16.7% over the last year, reflecting market concerns around value and banking sector risks.

Stock Yards Bancorp

SYBT

Pros

Provides a broad range of banking and wealth management services across several key metropolitan markets enhancing diversification.
Strong segment presence in both commercial banking and WM&T (wealth management and trust), offering multiple revenue channels.
Market position in regional markets such as Louisville and Cincinnati, providing niche local competitive advantages.

Considerations

Relatively high valuations with a P/E ratio of 18.4x and Price to Book of 2.2x, elevated compared to sector averages which may limit upside.
PEG ratio of 3.03 indicates expected earnings growth may be priced in, suggesting cautious growth expectations by investors.
Limited analyst upside target of about 8.3%, reflecting moderate market enthusiasm and potential growth constraints.

About The Companies

Banner (BANR)

Banner Corporation is the bank holding company for Banner Bank, a regional commercial bank headquartered in Washington state. Its core business involves providing a broad range of financial products and services to individuals, businesses, and public sector entities across its primary markets in Washington, Oregon, California, Idaho, and Utah. This includes traditional banking activities such as accepting deposits and originating various types of loans. The bank's lending portfolio is diverse, covering commercial business and real estate, agriculture, construction, and consumer loans. Additionally, Banner Corp participates in the secondary loan market by originating and selling residential mortgage loans. This dual focus allows it to serve its communities directly while also engaging with the wider financial markets. Investors may see it as a key player in the banking sector of the Western United States.

Stock Yards Bancorp (SYBT)

Stock Yards Bancorp, Inc. (SYBT) is a regional bank holding company with a community-banking franchise and a market capitalisation of about $2.00 billion. It generates revenue from traditional banking activities — interest earned on loans and securities, fees from deposit services and wealth management, and ancillary insurance or advisory services. Investors often watch net interest margin, loan growth, deposit stability and credit quality as key performance drivers. As a smaller regional bank, SYBT can benefit from close customer relationships and local market knowledge, yet it can also be more sensitive to regional economic trends, loan concentrations and interest-rate moves. This summary is for general educational purposes only and not personalised advice; values can rise and fall and past performance is no guarantee of future returns. Prospective investors should review up-to-date financial reports and consider their own risk tolerance and investment horizon before acting.

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Comparison Snapshot