Stock Yards Bancorp, Inc. (SYBT) vs Upstart Holdings, Inc. (UPST)
A side-by-side comparison of Stock Yards Bancorp, Inc. and Upstart Holdings, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — SYBT vs UPST
growth of $100 · dividends reinvested · last 6ySYBT vs UPST: by the numbers
- •UPST is the larger company ($2.29B vs $2.27B market cap).
- •SYBT trades at the lower trailing earnings multiple (15.31 vs 46.81 P/E), one valuation lens rather than an overall verdict.
- •SYBT converts more revenue to profit (26.72% vs 4.69% net margin).
- •UPST grew revenue faster over the past five years (22.79% vs 21.61% CAGR).
- •SYBT pays a dividend (1.67% yield), while UPST has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | SYBT | UPST |
|---|---|---|
| P/E ratio | 15.31 | 46.81 |
| Forward P/E | 14.77 | 35.31 |
| PEG ratio | 1.19 | 3.26 |
| P/S ratio | 4.05 | 1.78 |
| P/B ratio | 1.91 | 2.87 |
Profitability
| Metric | SYBT | UPST |
|---|---|---|
| Operating margin | 34.05% | 4.80% |
| Net margin | 26.72% | 4.69% |
| ROE | 12.56% | 7.57% |
Stock Yards Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Upstart Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | SYBT | UPST |
|---|---|---|
| Dividend yield | 1.67% | N/A |
| Payout ratio | 25.70% | N/A |
Growth (annualized)
| Metric | SYBT | UPST |
|---|---|---|
| Revenue CAGR (5Y) | 21.61% | 22.79% |
| EPS CAGR (5Y) | 12.82% | 15.71% |
| Total return CAGR (5Y) | 6.99% | -39.34% |
Frequently asked
- Which has the lower trailing P/E, SYBT or UPST?
- SYBT has the lower trailing P/E: SYBT trades at 15.31 and UPST at 46.81. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, SYBT or UPST?
- Over the past five years, UPST grew revenue faster — SYBT at a 21.61% CAGR versus UPST at 22.79%.
- Does SYBT or UPST pay a bigger dividend?
- SYBT pays a dividend (1.67% yield), while UPST has no payments in the available dividend history.
- Is SYBT or UPST more profitable?
- SYBT runs the higher net margin — SYBT at 26.72% versus UPST at 4.69%.
- How have SYBT and UPST total returns compared?
- Over the past 5 years, SYBT delivered 6.99% and UPST delivered -39.34% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Stock Yards Bancorp & Upstart appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.