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SYBT logoStock Yards Bancorp, Inc.(SYBT)Earnings, Financials & Key Ratios

SYBT•NASDAQ•Banking & Credit
$72.16
$2.13B mkt cap·15.2× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutStock 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 mortgage banking and deposit services; retail, commercial, and commercial real estate lending services; and online banking, mobile banking, private banking, leasing, treasury management, merchant, 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. The company operates through 73 full service banking center locations in Louisville, central, eastern and northern Kentucky, as well as Indianapolis, Indiana and Cincinnati, Ohio metropolitan markets. Stock Yards Bancorp, Inc. was founded in 1904 and is headquartered in Louisville, Kentucky.Show more
  • Net Interest Income$300M+16.8%
  • Total Revenue$565M+12.7%
  • Net Income$140M+22.4%
  • Return on Equity13.9%+9.2%
  • Net Interest Margin3.15%+8.6%
  • Efficiency Ratio37.62%-1.3%
  • ROA1.52%+13.3%
  • Equity / Assets11.28%+6.3%
  • Book Value per Share36.46+14.0%
  • Tangible BV/Share29.47+20.5%
  • Debt/Equity0.45-15.5%
Technical→

SYBT Key Insights

Stock Yards Bancorp, Inc. (SYBT) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 18.9%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 37.6% efficiency ratio
  • ✓14 consecutive years of dividend growth
  • ✓Well capitalized: 11.3% equity/assets

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

SYBT Price & Volume

Stock Yards Bancorp, Inc. (SYBT) stock price & volume — 10-year historical chart

Loading chart...

SYBT Growth Metrics

Stock Yards Bancorp, Inc. (SYBT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15.54%
5 Years23.42%
3 Years19.53%
TTM-

Profit CAGR

10 Years14.19%
5 Years18.94%
3 Years14.66%
TTM22.36%

EPS CAGR

10 Years11.15%
5 Years12.9%
3 Years13.95%
TTM22.11%

Return on Capital

10 Years13.21%
5 Years12.33%
3 Years11.15%
Last Year11.32%

SYBT Recent Earnings

Stock Yards Bancorp, Inc. (SYBT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 22, 2026
EPS
$1.24
Est $1.23
+0.8%
Revenue
$103M
Est $103M
+0.2%
Q1 2026
Jan 27, 2026
EPS
$1.24
Est $1.20
+3.3%
Revenue
$104M
Est $102M
+1.9%
Q4 2025
Oct 29, 2025
EPS
$1.23
Est $1.15
+7.0%
Revenue
$100M
Est $102M
-2.8%
Q3 2025
Jul 23, 2025
EPS
$1.15
Est $1.05
+9.5%
Revenue
$98M
Est $100M
-2.0%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$1.24vs $1.23+0.8%
$103Mvs $103M+0.2%
Q1 2026Jan 27, 2026
$1.24vs $1.20+3.3%
$104Mvs $102M+1.9%
Q4 2025Oct 29, 2025
$1.23vs $1.15+7.0%
$100Mvs $102M-2.8%
Q3 2025Jul 23, 2025
$1.15vs $1.05+9.5%
$98Mvs $100M-2.0%
Based on last 12 quarters of dataView full earnings history →

SYBT Peer Comparison

Stock Yards Bancorp, Inc. (SYBT) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.26B26.7013.289.47%27.7%10.86%8.03%0.30
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.1B21.42-7.26-56.66%-63.43%-11.63%14.5%0.19
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.58B32.2220.6518.79%30.24%13.25%6.39%0.12
UBSI logoUBSIUnited Bankshares, Inc.Direct Competitor6.08B43.5613.3212.33%25.52%8.6%7.91%0.17
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.79B71.8514.12-3.05%21.14%10.65%5.64%0.11
IBCP logoIBCPIndependent Bank CorporationDirect Competitor690.04M33.5210.25-0.3%21.73%14.2%10.17%0.23
NBTB logoNBTBNBT Bancorp Inc.Product Competitor2.33B44.6913.4210.36%19.51%9.51%9.38%0.17
FULT logoFULTFulton Financial CorporationProduct Competitor4.15B21.5810.385.03%20.71%11.6%6.85%0.37

Compare SYBT vs Peers

Stock Yards Bancorp, Inc. (SYBT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HOMB

Most directly comparable listed peer for SYBT.

Scale Benchmark

vs V

Larger-name benchmark to compare SYBT against a more recognizable public peer.

Peer Set

Compare Top 5

vs HOMB, SFNC, FFIN, UBSI

SYBT Income Statement

Stock Yards Bancorp, Inc. (SYBT) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income103.65M114.58M125.35M135.92M171.07M233.38M247.33M257.04M300.31M
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 Income110.9M129.93M147.76M147.87M177.08M251.65M346.7M412.88M467.59M
Interest Expense7.25M15.36M22.54M11.95M6M18.27M99.36M155.84M167.28M
Loan Loss Provision2.55M2.71M1M18.42M-753K10.26M13.8M9.72M6.7M
Non-Interest Income44.5M42.74M47.06M49.29M61.43M78.9M85.77M88.07M96.95M
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 Expense90.42M87.06M95.62M99.05M137.86M181.54M181.38M191.02M212.36M
Efficiency Ratio58.19%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 Tax17.14M12.03M9.59M8.87M20.75M27.19M30.18M29.83M38.05M
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)38.04M55.52M66.07M58.87M74.64M93.29M107.75M114.54M140.15M
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)1.692.452.922.613.003.243.693.914.77
Diluted Shares Outstanding22.98M22.94M22.86M22.77M25.16M28.92M29.34M29.42M29.51M

SYBT Balance Sheet

Stock Yards Bancorp, Inc. (SYBT) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments616.51M488.89M517.6M630.16M1.24B1.23B1.13B1.07B886.38M
Cash & Due from Banks41.98M51.89M46.86M43.18M62.3M82.52M94.47M78.92M70.06M
Short Term Investments574.52M437M470.74M586.98M1.18B1.14B1.03B990.11M816.32M
Total Investments2.97B2.97B3.3B4.1B5.31B6.77B7.34B7.99B8.9B
Investments Growth %3.61%0.06%11%24.42%29.33%27.56%8.41%8.85%11.43%
Long-Term Investments2.39B2.53B2.83B3.52B4.12B5.62B6.3B6.99B8.08B
Accounts Receivables8.37M8.36M8.53M13.09M13.74M22.16M26.83M27.7M28.78M
Goodwill & Intangibles2.78M2.76M16.17M17.18M145.95M234.28M227.46M221.22M206.23M
Goodwill682K682K12.51M12.51M135.83M194.07M194.07M194.07M194.07M
Intangible Assets2.1M2.08M3.66M4.67M10.12M40.21M33.39M27.15M12.16M
PP&E (Net)41.66M44.76M58.62M58.02M76.89M101.61M101.17M112.74M0
Other Assets161.98M209.56M261.66M333.03M996.9M212.31M311.43M360.09M362.32M
Total Current Assets629.95M502.26M546.88M662.9M1.28B1.27B1.18B1.12B886.38M
Total Non-Current Assets2.61B2.8B3.18B3.95B5.37B6.22B6.99B7.74B8.65B
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 Payable232K762K640K391K300K660K2.09M1.91M1.74M
Total Debt281.28M94.52M122.73M91.08M85.84M218.47M392.58M496.3M479.54M
Net Debt239.3M42.63M75.87M47.9M23.54M135.96M298.12M417.37M409.48M
Long-Term Debt49.46M48.18M79.95M31.64M076.34M226.74M326.81M326.81M
Short-Term Debt231.82M46.34M42.78M59.44M85.84M142.13M165.84M169.49M123.9M
Other Liabilities46.19M46.79M60.59M87.82M96.5M125.44M246.57M258.33M7.98B
Total Current Liabilities2.81B2.84B3.18B4.05B5.87B6.53B6.84B7.34B7.91B
Total Non-Current Liabilities95.65M94.97M140.54M119.46M96.5M201.79M473.31M585.14M8.36B
Total Liabilities2.91B2.94B3.32B4.17B5.97B6.74B7.31B7.92B8.46B
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 Share14.5215.9717.7719.3626.8726.2929.2431.9736.46
Tangible BV per Share14.4015.8517.0618.6021.0718.1921.4924.4529.47
Common Stock36.46M36.69M36.21M36.5M49.5M58.37M58.6M58.94M59.09M
Additional Paid-in Capital31.92M36.8M35.71M41.89M243.11M377.7M385.95M395.08M402.82M
Retained Earnings267.19M298.16M333.7M353.57M391.2M439.9M506.34M577.61M675.06M
Accumulated OCI-1.93M-5.14M677K8.74M-7.94M-115.54M-92.8M-91.15M-61.27M
Treasury Stock000000000
Preferred Stock000000000

SYBT Cash Flow Statement

Stock Yards Bancorp, Inc. (SYBT) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations53.68M65.89M58.44M77.13M102.1M108.74M106.7M142.87M166.05M
Operating CF Growth %-15.15%22.75%-11.31%31.98%32.38%6.51%-1.88%33.89%16.22%
Net Income38.04M55.52M66.07M58.87M74.64M92.97M107.75M114.54M140.15M
Depreciation & Amortization13.64M5.78M4.88M9.74M11.33M20.66M21.94M13.35M7.79M
Deferred Taxes3.97M-268K-5.85M-7.51M5.4M1.82M-435K-3.12M-2.83M
Other Non-Cash Items278K2.16M-7.54M3.4M13.77M13M7.57M5.92M3.49M
Working Capital Changes-5.15M-1.33M-2.7M9.36M-7.61M-24.42M-34.58M8.39M13.04M
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 Investments652.83M901.51M690.47M348.74M302.19M317.51M180.49M504.81M1.08B
Net Investment Activity-8.25M133.1M-11.97M-106.63M-202.59M-338.16M174.47M108.15M489.89M
Acquisitions00-24.69M024.98M354.45M000
Other Investing-103.67M-137.62M-121.41M-692.63M103.32M-382.27M-590.79M-775.36M-584.35M
Cash from Financing152.3M5.37M155.52M795.81M620.02M-518.14M415.94M559.25M535.81M
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 Issued000000000
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-1000K1000K1000K1000K-1000K
Other Financing174.39M30.42M208.52M871.05M774.79M-526.84M303.21M499.3M624.74M
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 Effect000000000
Cash at Beginning47.97M139.25M198.94M249.72M317.94M961.19M167.37M265.96M291.02M
Cash at End139.25M198.94M249.72M317.94M961.19M167.37M265.96M291.02M886.38M
Interest Paid7.16M14.83M22.2M12.2M6.09M17.91M97.93M156.02M167.45M
Income Taxes Paid15.84M7.23M13.94M12.47M14.26M20.89M35.33M19.43M21.2M
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%

SYBT Banking Ratios

Stock Yards Bancorp, Inc. (SYBT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin3.2%3.2%3.47%3.37%2.95%2.57%3.11%3.03%2.9%3.15%
Efficiency Ratio55.77%58.19%50.42%49.08%50.24%57.8%54.92%41.94%38.13%37.62%
Equity / Assets10.33%10.3%11.1%10.91%9.56%10.17%10.14%10.5%10.61%11.28%
Book Value / Share13.7714.5215.9717.7719.3626.8726.2929.2431.9736.46
NII Growth10.16%6.54%10.54%9.4%8.43%25.86%36.42%5.98%3.93%16.83%
Dividend Payout39.23%47.52%39.21%35.63%41.59%37.78%35.82%32.09%31.29%26.48%

SYBT SEC Filings & Documents

Stock Yards Bancorp, Inc. (SYBT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Jan 27, 2026·SEC

Material company update

Jan 27, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

10-Q Quarterly Reports

4
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 6, 2025·SEC

SYBT Frequently Asked Questions

Stock Yards Bancorp, Inc. (SYBT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More SYBT

Stock Yards Bancorp, Inc. (SYBT) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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