Stock Yards Bancorp (NASDAQ:SYBT – Get Free Report) and FinWise Bancorp (NASDAQ:FINW – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, earnings, risk, profitability, analyst recommendations and dividends.
Volatility and Risk
Stock Yards Bancorp has a beta of 0.81, indicating that its share price is 19% less volatile than the S&P 500. Comparatively, FinWise Bancorp has a beta of 0.76, indicating that its share price is 24% less volatile than the S&P 500.
Profitability
This table compares Stock Yards Bancorp and FinWise Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Stock Yards Bancorp | 24.54% | 13.20% | 1.37% |
| FinWise Bancorp | 20.39% | 11.69% | 3.36% |
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Stock Yards Bancorp | 0 | 3 | 1 | 0 | 2.25 |
| FinWise Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Stock Yards Bancorp currently has a consensus price target of $50.00, indicating a potential upside of 8.27%. FinWise Bancorp has a consensus price target of $17.00, indicating a potential upside of 60.38%. Given FinWise Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe FinWise Bancorp is more favorable than Stock Yards Bancorp.
Institutional and Insider Ownership
56.5% of Stock Yards Bancorp shares are held by institutional investors. Comparatively, 35.4% of FinWise Bancorp shares are held by institutional investors. 3.9% of Stock Yards Bancorp shares are held by insiders. Comparatively, 20.8% of FinWise Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Earnings & Valuation
This table compares Stock Yards Bancorp and FinWise Bancorp’s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Stock Yards Bancorp | $438.92 million | 3.09 | $107.75 million | $3.67 | 12.58 |
| FinWise Bancorp | $85.61 million | 1.59 | $17.46 million | $1.33 | 7.97 |
Stock Yards Bancorp has higher revenue and earnings than FinWise Bancorp. FinWise Bancorp is trading at a lower price-to-earnings ratio than Stock Yards Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Stock Yards Bancorp beats FinWise Bancorp on 9 of the 13 factors compared between the two stocks.
About Stock Yards Bancorp
Stock Yards Bancorp, Inc. operates as a holding company for Stock Yards Bank & Trust Company that provides various financial services for individuals, corporations, and others in the United States. It operates in two segments, Commercial Banking, and WM&T. The Commercial Banking segment offers a range of loan and deposit products to individual consumers and businesses in all its markets through retail lending, mortgage banking, deposit services, online banking, mobile banking, private banking, commercial lending, commercial real estate lending, leasing, treasury management services, merchant services, international banking, correspondent banking, and other banking services. This segment also provides securities brokerage services through an arrangement with a third party broker-dealer. The WM&T segment provides investment management, financial and retirement planning, and trust and estate services, as well as retirement plan management for businesses and corporations. It provides services in Louisville, central, eastern, and northern Kentucky, as well as Indianapolis, Indiana and Cincinnati, Ohio metropolitan markets. The company was founded in 1904 and is headquartered in Louisville, Kentucky.
About FinWise Bancorp
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in the United States. The company offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits. It also provides loans, including consumer, small business administration, commercial, commercial real estate, and residential real estate loans. In addition, the company offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and business accounts and cash management services, such as business checking and savings accounts and treasury services. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
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