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SY Bancorp Inc.
(SYBT)
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| Sector: |
Financial |
| Industry: |
Regional - Southeast Banks |
| Stock Type: | Cyclical |
| Top Industry Grower: | RBCAA |
SYBT was last updated 16 days 12 hours 6 minutes ago. Use MrStockQuickie's
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The Numbers
| metric | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
|---|
| ROA * Leverage | 21.0% | 20.5% | 21.2% | 19.8% | 19.1% | 18.3% | 16.8% | 18.0% | 17.2% | 18.4% | 17.7% |
| Equity/Share | $3.14 | $3.59 | $4.31 | $5.12 | $6.15 | $7.17 | $8.34 | $8.99 | $9.81 | $9.50 | $10.68 |
| Earnings/Share | $0.58 | $0.67 | $0.81 | $0.93 | $1.07 | $1.21 | $1.27 | $1.46 | $1.55 | $1.67 | $1.66 |
| Net Int Income/Share | $1.66 | $1.96 | $2.23 | $2.50 | $2.90 | $3.06 | $3.16 | $3.51 | $3.85 | $3.84 | $4.26 |
| Fee Income/Share | $0.54 | $0.62 | $0.85 | $1.02 | $1.25 | $1.36 | $1.52 | $1.64 | $1.74 | $1.85 | $0.00 |
| Net Int Margin | 118.9% | 130.3% | 106.8% | 114.0% | 182.1% | 246.0% | 271.2% | 213.0% | 166.4% | 143.5% | 167.4% |
The Trends
long term trend
| ROA*L | BVPS | EPS | NIIPS | FIPS |
|---|
| -1% | 3% | 3% | 2% | 1% |
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growth acceleration trend
| ROA*L | BVPS | EPS | NIIPS | FIPS |
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| -0% | -3% | -3% | -1% | -3% |
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Quick Financial Health
ebit/interest [on debt]
| SYBT | EQUITY_INDUSTRY | market |
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| 6.55 | 0.30 | 58.10 |
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equity/debt
| 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
|---|
| 20.0 | 25.0 | 33.33 | 3.57 | 4.17 | 4.76 | 2.27 | 2.08 | 2.27 | 1.47 | 14.29 |
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growth
| 10 | 5 | 3 | 1 |
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| -3% | 25% | 90% | 871% |
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assets/liabilities
| 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
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| 1.08 | 1.08 | 1.08 | 1.08 | 1.09 | 1.1 | 1.11 | 1.1 | 1.11 | 1.1 | 1.09 |
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The Ratios
PEG
| Entity | Current | Next Year (Current PE) | Next Year (Forward PE) | Five Year |
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| SYBT | -5.53 | 8.51 | 8.75 | 1.84 | | Industry | -0.61 | 0.60 | 0.43 | 7.53 | | Market | 0.40 | 0.68 | 0.69 | 1.07 |
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Valuations
| Entity | Price/Earnings | Price/Book | Price/Sales | Price/Cash Flow | Div. Yield (%) |
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| SYBT | 16.0 | 2.6 | 4.3 | 12.2 | 3.2 | | Industry | 17.0 | 19.1 | 1.9 | 8.7 | 1.4 | | Market | 13.0 | 2.9 | 1.7 | 9.1 | 3.2 |
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The Pricing Metrics
Growth Rates
| Zacks | Reuters | Thomson Fin. | BVPS | EPS | NIIPS | FIPS |
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| 9.5% | 10.0% | 7.0% | 10.0% | 9.3% | 7.8% | 11.2% | | Next Year's Growth Estimate | 0.9% | | Priced-In Growth | 9.5% | | Intrinsic Growth | 9.6% |
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Mulitple History
| 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
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| 19.3 | 16.9 | 12.3 | 15.1 | 16.6 | 15.2 | 16.7 | 15.3 | 17.1 | 15.1 | 16.1 | | Front Loaded Estimate | 16.0 | | High Growth Estimate | 19.0 | | Five Year Avgerage | 16.6 |
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Quality and Value
Quality (0-10)
| Inferior | Low | Below Avg. | Average | Above Avg. | High | Superior |
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| | 5.0 | | | | | |
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Valuations
| | PE | EPS | PRICE | VALUE/PRICE | MOS |
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| Current Price | 16.0 | $1.66 | $26.63 | 1.000 | 0.0% | | Intrinsic Value | 16.0 | $1.67 | $26.66 | 1.001 | 0.1% | | Price Adjusted for Industry | 15.4 | $1.66 | $25.55 | 0.960 | -4.2% | | Price Adjusted for Market | 16.0 | $1.66 | $26.57 | 0.998 | -0.2% | | EPS estimated FY08 Price | 16.1 | $1.62 | $26.09 | 0.980 | -2.1% | | Short % of Float | 5.5% |
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