Contrasting Stock Yards Bancorp (NASDAQ:SYBT) and Elmira Savings Bank (NASDAQ:ESBK)

Stock Yards Bancorp (NASDAQ:SYBT) and Elmira Savings Bank (NASDAQ:ESBK) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, dividends, risk, earnings, profitability and valuation.

Valuation and Earnings

This table compares Stock Yards Bancorp and Elmira Savings Bank’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Stock Yards Bancorp $175.12 million 4.74 $55.52 million $2.42 15.08
Elmira Savings Bank $25.60 million 1.91 $4.24 million N/A N/A

Stock Yards Bancorp has higher revenue and earnings than Elmira Savings Bank.

Risk and Volatility

Stock Yards Bancorp has a beta of 0.47, suggesting that its share price is 53% less volatile than the S&P 500. Comparatively, Elmira Savings Bank has a beta of 0.3, suggesting that its share price is 70% less volatile than the S&P 500.

Dividends

Stock Yards Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 2.9%. Elmira Savings Bank pays an annual dividend of $0.92 per share and has a dividend yield of 6.6%. Stock Yards Bancorp pays out 43.0% of its earnings in the form of a dividend. Stock Yards Bancorp has raised its dividend for 7 consecutive years and Elmira Savings Bank has raised its dividend for 2 consecutive years.

Insider & Institutional Ownership

49.7% of Stock Yards Bancorp shares are owned by institutional investors. Comparatively, 16.4% of Elmira Savings Bank shares are owned by institutional investors. 8.3% of Stock Yards Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and price targets for Stock Yards Bancorp and Elmira Savings Bank, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Stock Yards Bancorp 0 1 0 0 2.00
Elmira Savings Bank 0 0 0 0 N/A

Stock Yards Bancorp currently has a consensus target price of $36.00, suggesting a potential downside of 1.34%. Given Stock Yards Bancorp’s higher possible upside, research analysts clearly believe Stock Yards Bancorp is more favorable than Elmira Savings Bank.

Profitability

This table compares Stock Yards Bancorp and Elmira Savings Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Stock Yards Bancorp 32.58% 16.33% 1.82%
Elmira Savings Bank 13.52% N/A N/A

Summary

Stock Yards Bancorp beats Elmira Savings Bank on 12 of the 14 factors compared between the two stocks.

Stock Yards Bancorp Company Profile

Stock Yards Bancorp, Inc. operates as the holding company for Stock Yards Bank & Trust Company that provides commercial and personal banking services in Louisville, Indianapolis, and Cincinnati. Its deposit products include demand deposits, savings deposits, money market deposits, and time deposits. The company'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, trust, employee benefit plan, estate administration, and financial planning services. As of December 31, 2018, the company had 38 full service banking locations, including 28 in the Louisville metropolitan statistical area (MSA), 5 in Indianapolis MSA, and 5 in Cincinnati MSA. Stock Yards Bancorp, Inc. was founded in 1904 and is headquartered in Louisville, Kentucky.

Elmira Savings Bank Company Profile

Elmira Savings Bank provides banking products and services to individual and commercial customers. It accepts savings and money market accounts, time deposits, retail and commercial checking accounts, certificates of deposit, individual retirement arrangements, and NOW accounts. The company also provides consumer loans comprising auto, truck, and motorcycle loans; personal loans; boats, recreational vehicles, and other outdoor sports equipment loans; home improvement/equity loans; jacuzzi/hot tub/pool loans; and lines of credit. In addition, it offers commercial real estate mortgages, such as permanent and construction mortgages, and development loans; commercial loans, including term and time loans, lines of credit, and small business administration loans; and mortgage loans secured by first and second liens on one-to-four family residences. Further, the company provides debit cards, safe deposit boxes, and financial services products; and financial planning advisory, online and mobile banking, overdraft protection, notary public, funds transfer, merchant, and cash management services. Additionally, it operates a real estate investment trust. The company operates through a network of 13 full-service offices located in Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties; and 1 limited service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is based in Elmira, New York.

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