8-K Announcements
6Apr 22, 2026·SEC
Jan 27, 2026·SEC
Jan 27, 2026·SEC
Stock Yards Bancorp, Inc. (SYBT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Stock Yards Bancorp, Inc. (SYBT) stock price & volume — 10-year historical chart
Stock Yards Bancorp, Inc. (SYBT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Stock Yards Bancorp, Inc. (SYBT) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $1.24vs $1.23+0.8% | $103Mvs $103M+0.2% |
| Q1 2026 | Jan 27, 2026 | $1.24vs $1.20+3.3% | $104Mvs $102M+1.9% |
| Q4 2025 | Oct 29, 2025 | $1.23vs $1.15+7.0% | $100Mvs $102M-2.8% |
| Q3 2025 | Jul 23, 2025 | $1.15vs $1.05+9.5% | $98Mvs $100M-2.0% |
Stock Yards Bancorp, Inc. (SYBT) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Stock Yards Bancorp, Inc. (SYBT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Stock Yards Bancorp, Inc. (SYBT) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 103.65M | 114.58M | 125.35M | 135.92M | 171.07M | 233.38M | 247.33M | 257.04M | 300.31M |
| NII Growth % | 6.54% | 10.54% | 9.4% | 8.43% | 25.86% | 36.42% | 5.98% | 3.93% | 16.83% |
| Net Interest Margin % | 3.2% | 3.47% | 3.37% | 2.95% | 2.57% | 3.11% | 3.03% | 2.9% | 3.15% |
| Interest Income | 110.9M | 129.93M | 147.76M | 147.87M | 177.08M | 251.65M | 346.7M | 412.88M | 467.59M |
| Interest Expense | 7.25M | 15.36M | 22.54M | 11.95M | 6M | 18.27M | 99.36M | 155.84M | 167.28M |
| Loan Loss Provision | 2.55M | 2.71M | 1M | 18.42M | -753K | 10.26M | 13.8M | 9.72M | 6.7M |
| Non-Interest Income | 44.5M | 42.74M | 47.06M | 49.29M | 61.43M | 78.9M | 85.77M | 88.07M | 96.95M |
| Non-Interest Income % | 28.64% | 24.75% | 24.16% | 25% | 25.76% | 23.87% | 19.83% | 17.58% | 17.17% |
| Total Revenue | 155.4M▲ 0% | 172.67M▲ 11.1% | 194.83M▲ 12.8% | 197.16M▲ 1.2% | 238.51M▲ 21.0% | 330.55M▲ 38.6% | 432.46M▲ 30.8% | 500.95M▲ 15.8% | 564.54M▲ 12.7% |
| Revenue Growth % | 7.08% | 11.11% | 12.83% | 1.2% | 20.97% | 38.59% | 30.83% | 15.84% | 12.69% |
| Non-Interest Expense | 90.42M | 87.06M | 95.62M | 99.05M | 137.86M | 181.54M | 181.38M | 191.02M | 212.36M |
| Efficiency Ratio | 58.19% | 50.42% | 49.08% | 50.24% | 57.8% | 54.92% | 41.94% | 38.13% | 37.62% |
| Operating Income | 55.18M▲ 0% | 67.55M▲ 22.4% | 75.66M▲ 12.0% | 67.74M▼ 10.5% | 95.4M▲ 40.8% | 120.48M▲ 26.3% | 137.93M▲ 14.5% | 144.37M▲ 4.7% | 178.2M▲ 23.4% |
| Operating Margin % | 35.51% | 39.12% | 38.83% | 34.36% | 40% | 36.45% | 31.89% | 28.82% | 31.56% |
| Operating Income Growth % | -1.94% | 22.41% | 12.01% | -10.46% | 40.82% | 26.3% | 14.48% | 4.67% | 23.43% |
| Pretax Income | 55.18M▲ 0% | 67.55M▲ 22.4% | 75.66M▲ 12.0% | 67.74M▼ 10.5% | 95.4M▲ 40.8% | 120.48M▲ 26.3% | 137.93M▲ 14.5% | 144.37M▲ 4.7% | 178.2M▲ 23.4% |
| Pretax Margin % | 35.51% | 39.12% | 38.83% | 34.36% | 40% | 36.45% | 31.89% | 28.82% | 31.56% |
| Income Tax | 17.14M | 12.03M | 9.59M | 8.87M | 20.75M | 27.19M | 30.18M | 29.83M | 38.05M |
| Effective Tax Rate % | 31.06% | 17.81% | 12.68% | 13.1% | 21.75% | 22.57% | 21.88% | 20.66% | 21.35% |
| Net Income | 38.04M▲ 0% | 55.52M▲ 45.9% | 66.07M▲ 19.0% | 58.87M▼ 10.9% | 74.64M▲ 26.8% | 92.97M▲ 24.6% | 107.75M▲ 15.9% | 114.54M▲ 6.3% | 140.15M▲ 22.4% |
| Net Margin % | 24.48% | 32.15% | 33.91% | 29.86% | 31.3% | 28.13% | 24.91% | 22.86% | 24.83% |
| Net Income Growth % | -7.27% | 45.93% | 19% | -10.9% | 26.8% | 24.55% | 15.89% | 6.3% | 22.36% |
| Net Income (Continuing) | 38.04M | 55.52M | 66.07M | 58.87M | 74.64M | 93.29M | 107.75M | 114.54M | 140.15M |
| EPS (Diluted) | 1.66▲ 0% | 2.42▲ 45.8% | 2.89▲ 19.4% | 2.59▼ 10.4% | 2.97▲ 14.7% | 3.21▲ 8.1% | 3.67▲ 14.3% | 3.89▲ 6.0% | 4.75▲ 22.1% |
| EPS Growth % | -7.78% | 45.78% | 19.42% | -10.38% | 14.67% | 8.08% | 14.33% | 5.99% | 22.11% |
| EPS (Basic) | 1.69 | 2.45 | 2.92 | 2.61 | 3.00 | 3.24 | 3.69 | 3.91 | 4.77 |
| Diluted Shares Outstanding | 22.98M | 22.94M | 22.86M | 22.77M | 25.16M | 28.92M | 29.34M | 29.42M | 29.51M |
Stock Yards Bancorp, Inc. (SYBT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 616.51M | 488.89M | 517.6M | 630.16M | 1.24B | 1.23B | 1.13B | 1.07B | 886.38M |
| Cash & Due from Banks | 41.98M | 51.89M | 46.86M | 43.18M | 62.3M | 82.52M | 94.47M | 78.92M | 70.06M |
| Short Term Investments | 574.52M | 437M | 470.74M | 586.98M | 1.18B | 1.14B | 1.03B | 990.11M | 816.32M |
| Total Investments | 2.97B | 2.97B | 3.3B | 4.1B | 5.31B | 6.77B | 7.34B | 7.99B | 8.9B |
| Investments Growth % | 3.61% | 0.06% | 11% | 24.42% | 29.33% | 27.56% | 8.41% | 8.85% | 11.43% |
| Long-Term Investments | 2.39B | 2.53B | 2.83B | 3.52B | 4.12B | 5.62B | 6.3B | 6.99B | 8.08B |
| Accounts Receivables | 8.37M | 8.36M | 8.53M | 13.09M | 13.74M | 22.16M | 26.83M | 27.7M | 28.78M |
| Goodwill & Intangibles | 2.78M | 2.76M | 16.17M | 17.18M | 145.95M | 234.28M | 227.46M | 221.22M | 206.23M |
| Goodwill | 682K | 682K | 12.51M | 12.51M | 135.83M | 194.07M | 194.07M | 194.07M | 194.07M |
| Intangible Assets | 2.1M | 2.08M | 3.66M | 4.67M | 10.12M | 40.21M | 33.39M | 27.15M | 12.16M |
| PP&E (Net) | 41.66M | 44.76M | 58.62M | 58.02M | 76.89M | 101.61M | 101.17M | 112.74M | 0 |
| Other Assets | 161.98M | 209.56M | 261.66M | 333.03M | 996.9M | 212.31M | 311.43M | 360.09M | 362.32M |
| Total Current Assets | 629.95M | 502.26M | 546.88M | 662.9M | 1.28B | 1.27B | 1.18B | 1.12B | 886.38M |
| Total Non-Current Assets | 2.61B | 2.8B | 3.18B | 3.95B | 5.37B | 6.22B | 6.99B | 7.74B | 8.65B |
| Total Assets | 3.24B▲ 0% | 3.3B▲ 2.0% | 3.72B▲ 12.8% | 4.61B▲ 23.7% | 6.65B▲ 44.2% | 7.5B▲ 12.8% | 8.17B▲ 9.0% | 8.86B▲ 8.5% | 9.54B▲ 7.6% |
| Asset Growth % | 6.59% | 1.95% | 12.75% | 23.75% | 44.21% | 12.79% | 8.99% | 8.49% | 7.59% |
| Return on Assets (ROA) | 1.21% | 1.7% | 1.88% | 1.41% | 1.33% | 1.31% | 1.38% | 1.34% | 1.52% |
| Accounts Payable | 232K | 762K | 640K | 391K | 300K | 660K | 2.09M | 1.91M | 1.74M |
| Total Debt | 281.28M | 94.52M | 122.73M | 91.08M | 85.84M | 218.47M | 392.58M | 496.3M | 479.54M |
| Net Debt | 239.3M | 42.63M | 75.87M | 47.9M | 23.54M | 135.96M | 298.12M | 417.37M | 409.48M |
| Long-Term Debt | 49.46M | 48.18M | 79.95M | 31.64M | 0 | 76.34M | 226.74M | 326.81M | 326.81M |
| Short-Term Debt | 231.82M | 46.34M | 42.78M | 59.44M | 85.84M | 142.13M | 165.84M | 169.49M | 123.9M |
| Other Liabilities | 46.19M | 46.79M | 60.59M | 87.82M | 96.5M | 125.44M | 246.57M | 258.33M | 7.98B |
| Total Current Liabilities | 2.81B | 2.84B | 3.18B | 4.05B | 5.87B | 6.53B | 6.84B | 7.34B | 7.91B |
| Total Non-Current Liabilities | 95.65M | 94.97M | 140.54M | 119.46M | 96.5M | 201.79M | 473.31M | 585.14M | 8.36B |
| Total Liabilities | 2.91B | 2.94B | 3.32B | 4.17B | 5.97B | 6.74B | 7.31B | 7.92B | 8.46B |
| Total Equity | 333.64M▲ 0% | 366.5M▲ 9.8% | 406.3M▲ 10.9% | 440.7M▲ 8.5% | 675.87M▲ 53.4% | 760.43M▲ 12.5% | 858.1M▲ 12.8% | 940.48M▲ 9.6% | 1.08B▲ 14.4% |
| Equity Growth % | 6.3% | 9.85% | 10.86% | 8.47% | 53.36% | 12.51% | 12.84% | 9.6% | 14.38% |
| Equity / Assets (Capital Ratio) | 10.3% | 11.1% | 10.91% | 9.56% | 10.17% | 10.14% | 10.5% | 10.61% | 11.28% |
| Return on Equity (ROE) | 11.75% | 15.86% | 17.1% | 13.9% | 13.37% | 12.95% | 13.31% | 12.74% | 13.9% |
| Book Value per Share | 14.52 | 15.97 | 17.77 | 19.36 | 26.87 | 26.29 | 29.24 | 31.97 | 36.46 |
| Tangible BV per Share | 14.40 | 15.85 | 17.06 | 18.60 | 21.07 | 18.19 | 21.49 | 24.45 | 29.47 |
| Common Stock | 36.46M | 36.69M | 36.21M | 36.5M | 49.5M | 58.37M | 58.6M | 58.94M | 59.09M |
| Additional Paid-in Capital | 31.92M | 36.8M | 35.71M | 41.89M | 243.11M | 377.7M | 385.95M | 395.08M | 402.82M |
| Retained Earnings | 267.19M | 298.16M | 333.7M | 353.57M | 391.2M | 439.9M | 506.34M | 577.61M | 675.06M |
| Accumulated OCI | -1.93M | -5.14M | 677K | 8.74M | -7.94M | -115.54M | -92.8M | -91.15M | -61.27M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Stock Yards Bancorp, Inc. (SYBT) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 53.68M | 65.89M | 58.44M | 77.13M | 102.1M | 108.74M | 106.7M | 142.87M | 166.05M |
| Operating CF Growth % | -15.15% | 22.75% | -11.31% | 31.98% | 32.38% | 6.51% | -1.88% | 33.89% | 16.22% |
| Net Income | 38.04M | 55.52M | 66.07M | 58.87M | 74.64M | 92.97M | 107.75M | 114.54M | 140.15M |
| Depreciation & Amortization | 13.64M | 5.78M | 4.88M | 9.74M | 11.33M | 20.66M | 21.94M | 13.35M | 7.79M |
| Deferred Taxes | 3.97M | -268K | -5.85M | -7.51M | 5.4M | 1.82M | -435K | -3.12M | -2.83M |
| Other Non-Cash Items | 278K | 2.16M | -7.54M | 3.4M | 13.77M | 13M | 7.57M | 5.92M | 3.49M |
| Working Capital Changes | -5.15M | -1.33M | -2.7M | 9.36M | -7.61M | -24.42M | -34.58M | 8.39M | 13.04M |
| Cash from Investing | -114.7M | -11.57M | -163.17M | -804.72M | -78.87M | -384.43M | -424.05M | -677.06M | -106.5M |
| Purchase of Investments | -661.09M | -768.41M | -702.44M | -455.37M | -504.78M | -655.67M | -6.03M | -396.66M | -594.55M |
| Sale/Maturity of Investments | 652.83M | 901.51M | 690.47M | 348.74M | 302.19M | 317.51M | 180.49M | 504.81M | 1.08B |
| Net Investment Activity | -8.25M | 133.1M | -11.97M | -106.63M | -202.59M | -338.16M | 174.47M | 108.15M | 489.89M |
| Acquisitions | 0 | 0 | -24.69M | 0 | 24.98M | 354.45M | 0 | 0 | 0 |
| Other Investing | -103.67M | -137.62M | -121.41M | -692.63M | 103.32M | -382.27M | -590.79M | -775.36M | -584.35M |
| Cash from Financing | 152.3M | 5.37M | 155.52M | 795.81M | 620.02M | -518.14M | 415.94M | 559.25M | 535.81M |
| Dividends Paid | -18.08M | -21.77M | -23.54M | -24.48M | -28.2M | -33.3M | -34.58M | -35.84M | -37.11M |
| Share Repurchases | -2.39M | -2M | -11.82M | -2.27M | -3.83M | -4.81M | -2.69M | -4.22M | -2.09M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -2.39M | -2M | -11.82M | -2.27M | -3.83M | -4.81M | -2.69M | -4.22M | -2.09M |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K |
| Other Financing | 174.39M | 30.42M | 208.52M | 871.05M | 774.79M | -526.84M | 303.21M | 499.3M | 624.74M |
| Net Change in Cash | 91.28M▲ 0% | 59.69M▼ 34.6% | 50.78M▼ 14.9% | 68.22M▲ 34.3% | 643.25M▲ 842.9% | -793.83M▼ 223.4% | 98.59M▲ 112.4% | 25.06M▼ 74.6% | 595.36M▲ 2275.6% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 47.97M | 139.25M | 198.94M | 249.72M | 317.94M | 961.19M | 167.37M | 265.96M | 291.02M |
| Cash at End | 139.25M | 198.94M | 249.72M | 317.94M | 961.19M | 167.37M | 265.96M | 291.02M | 886.38M |
| Interest Paid | 7.16M | 14.83M | 22.2M | 12.2M | 6.09M | 17.91M | 97.93M | 156.02M | 167.45M |
| Income Taxes Paid | 15.84M | 7.23M | 13.94M | 12.47M | 14.26M | 20.89M | 35.33M | 19.43M | 21.2M |
| Free Cash Flow | 50.89M▲ 0% | 58.83M▲ 15.6% | 53.34M▼ 9.3% | 71.67M▲ 34.4% | 97.52M▲ 36.1% | 90.3M▼ 7.4% | 98.97M▲ 9.6% | 133.02M▲ 34.4% | 154M▲ 15.8% |
| FCF Growth % | -10.62% | 15.61% | -9.34% | 34.36% | 36.07% | -7.4% | 9.6% | 34.4% | 15.78% |
Stock Yards Bancorp, Inc. (SYBT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 13.67% | 11.75% | 15.86% | 17.1% | 13.9% | 13.37% | 12.95% | 13.31% | 12.74% | 13.9% |
| Return on Assets (ROA) | 1.4% | 1.21% | 1.7% | 1.88% | 1.41% | 1.33% | 1.31% | 1.38% | 1.34% | 1.52% |
| Net Interest Margin | 3.2% | 3.2% | 3.47% | 3.37% | 2.95% | 2.57% | 3.11% | 3.03% | 2.9% | 3.15% |
| Efficiency Ratio | 55.77% | 58.19% | 50.42% | 49.08% | 50.24% | 57.8% | 54.92% | 41.94% | 38.13% | 37.62% |
| Equity / Assets | 10.33% | 10.3% | 11.1% | 10.91% | 9.56% | 10.17% | 10.14% | 10.5% | 10.61% | 11.28% |
| Book Value / Share | 13.77 | 14.52 | 15.97 | 17.77 | 19.36 | 26.87 | 26.29 | 29.24 | 31.97 | 36.46 |
| NII Growth | 10.16% | 6.54% | 10.54% | 9.4% | 8.43% | 25.86% | 36.42% | 5.98% | 3.93% | 16.83% |
| Dividend Payout | 39.23% | 47.52% | 39.21% | 35.63% | 41.59% | 37.78% | 35.82% | 32.09% | 31.29% | 26.48% |
Stock Yards Bancorp, Inc. (SYBT) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Jan 27, 2026·SEC
Jan 27, 2026·SEC
Stock Yards Bancorp, Inc. (SYBT) stock FAQ — growth, dividends, profitability & financials explained
Stock Yards Bancorp, Inc. (SYBT) grew revenue by 12.7% over the past year. This is steady growth.
Yes, Stock Yards Bancorp, Inc. (SYBT) is profitable, generating $140.2M in net income for fiscal year 2025 (24.8% net margin).
Yes, Stock Yards Bancorp, Inc. (SYBT) pays a dividend with a yield of 1.74%. This makes it attractive for income-focused investors.
Stock Yards Bancorp, Inc. (SYBT) has a return on equity (ROE) of 13.9%. This is reasonable for most industries.
Stock Yards Bancorp, Inc. (SYBT) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Stock Yards Bancorp, Inc. (SYBT) has an efficiency ratio of 37.6%. This is excellent, indicating strong cost control.
Stock Yards Bancorp, Inc. (SYBT) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates