WallStSmart

Stock Yards Bancorp Inc (SYBT)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 20219% more annual revenue ($81.14B vs $399.30M). SYBT leads profitability with a 35.9% profit margin vs 26.7%. SYBT appears more attractively valued with a PEG of 1.33. WFC earns a higher WallStSmart Score of 74/100 (B).

SYBT

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 7.5Value: 6.3Quality: 5.8
Piotroski: 5/9

WFC

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 6.3Quality: 5.8
Piotroski: 4/9Altman Z: 0.43

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SYBT5 strengths · Avg: 9.2/10
Profit MarginProfitability
35.9%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
47.4%10/10

Strong operational efficiency at 47.4%

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.9x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

WFC6 strengths · Avg: 8.5/10
Market CapQuality
$249.77B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Operating MarginProfitability
29.4%8/10

Strong operational efficiency at 29.4%

Free Cash FlowQuality
$4.12B8/10

Generating 4.1B in free cash flow

Areas to Watch

SYBT0 concerns · Avg: 0/10

No major concerns identified

WFC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.432/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : SYBT

The strongest argument for SYBT centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 35.9% and operating margin at 47.4%. PEG of 1.33 suggests the stock is reasonably priced for its growth.

Bull Case : WFC

The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.

Bear Case : SYBT

No major red flags identified for SYBT, but monitor valuation.

Bear Case : WFC

The primary concerns for WFC are Altman Z-Score.

Key Dynamics to Monitor

WFC carries more volatility with a beta of 1.06 — expect wider price swings.

SYBT is growing revenue faster at 9.4% — sustainability is the question.

WFC generates stronger free cash flow (4.1B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

WFC scores higher overall (74/100 vs 67/100), backed by strong 26.7% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Stock Yards Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Stock Yards Bancorp, Inc. is SYB's holding company offering various banking products and services in Louisville, Indianapolis and Cincinnati. The company is headquartered in Louisville, Kentucky.

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Wells Fargo & Company

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.

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