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Stock Yards Bancorp (SYBT) Financials

Stock Yards Bancorp logo
$71.99 -0.27 (-0.37%)
Closing price 05/8/2026 04:00 PM Eastern
Extended Trading
$72.07 +0.08 (+0.11%)
As of 05/8/2026 05:40 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Stock Yards Bancorp

Annual Income Statements for Stock Yards Bancorp

This table shows Stock Yards Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 37 41 38 56 66 59 75 93 108 115 140
Consolidated Net Income / (Loss)		 37 41 38 56 66 59 75 93 108 115 140
Net Income / (Loss) Continuing Operations		 37 41 38 56 66 59 75 93 108 115 140
Total Pre-Tax Income 		54 56 55 68 76 68 95 120 138 144 178
Total Revenue		 128 140 148 160 175 188 237 323 340 352 397
Net Interest Income / (Expense)		 88 97 104 115 125 136 171 233 247 257 300
Total Interest Income		 93 102 111 130 148 148 177 252 347 413 468
Loans and Leases Interest Income		 84 92 100 119 135 138 165 217 304 372 419
Investment Securities Interest Income		 9.29 9.65 9.45 9.32 9.76 8.65 12 29 34 32 31
Federal Funds Sold and Securities Borrowed Interest Income		 0.26 0.49 1.33 1.31 2.93 0.74 0.65 6.02 8.41 9.26 17
Total Interest Expense		 4.85 4.92 7.25 15 23 12 6.00 18 99 156 167
Deposits Interest Expense		 3.74 3.94 5.98 13 21 10 5.63 16 82 134 150
Short-Term Borrowings Interest Expense		 - - - 0.84 - - - 0.15 0.69 0.47 0.28
Long-Term Debt Interest Expense		 - - 0.96 0.92 1.67 1.40 0.34 1.14 15 18 15
Federal Funds Purchased and Securities Sold Interest Expense		 0.17 0.21 0.32 0.16 0.32 0.07 0.04 0.57 2.09 3.43 2.41
Total Non-Interest Income		 40 43 44 45 49 52 66 89 92 95 97
Other Service Charges		 16 3.90 3.22 2.41 48 6.16 4.72 83 90 3.86 94
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.00 -0.23 - - 0.15 -0.08 4.34 -0.07 -0.10 0.07
Other Non-Interest Income		 0.89 39 42 43 1.03 46 61 1.60 2.25 91 2.52
Provision for Credit Losses		 0.75 3.00 2.55 2.71 1.00 18 -0.75 10 14 9.73 6.70
Total Non-Interest Expense		 73 81 90 89 98 102 142 192 188 198 212
Salaries and Employee Benefits		 45 49 53 56 61 62 77 103 110 121 132
Net Occupancy & Equipment Expense		 14 14 15 14 15 17 21 29 34 34 36
Marketing Expense		 2.58 2.46 2.72 3.10 3.63 2.38 4.15 5.01 5.99 6.92 7.53
Property & Liability Insurance Claims		 3.09 3.05 3.35 3.58 2.38 3.61 4.43 5.70 7.87 8.65 9.02
Other Operating Expenses		 8.51 7.32 9.31 11 14 13 16 23 24 23 25
Amortization Expense		 0.63 4.46 7.12 1.24 1.08 3.42 1.14 5.90 5.98 4.49 3.66
Income Tax Expense		 17 15 17 12 9.59 8.87 21 27 30 30 38
Basic Earnings per Share		 $1.68 $1.84 $1.69 $2.45 $2.92 $2.61 $3.00 $3.24 $3.69 $3.91 $4.77
Weighted Average Basic Shares Outstanding		 22.09M 22.36M 22.53M 22.62M 22.60M 22.56M 24.90M 28.67M 29.21M 29.29M 29.36M
Diluted Earnings per Share		 $1.65 $1.80 $1.66 $2.42 $2.89 $2.59 $2.97 $3.21 $3.67 $3.89 $4.75
Weighted Average Diluted Shares Outstanding		 22.46M 22.79M 22.98M 22.94M 22.87M 22.77M 25.16M 28.92M 29.34M 29.42M 29.51M
Weighted Average Basic & Diluted Shares Outstanding		 22.09M 22.30M 22.50M 22.79M 22.64M 22.73M 26.60M 29.26M 29.33M 29.44M 29.48M
Cash Dividends to Common per Share		 $0.64 $0.72 $0.80 - - - - $1.14 $1.18 $1.22 $1.26

Quarterly Income Statements for Stock Yards Bancorp

This table shows Stock Yards Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 27 24 26 28 29 32 33 34 36 37 37
Consolidated Net Income / (Loss)		 27 24 26 28 29 32 33 34 36 37 37
Net Income / (Loss) Continuing Operations		 27 24 26 28 29 32 33 34 36 37 37
Total Pre-Tax Income 		35 30 33 35 37 39 42 43 46 48 46
Total Revenue		 84 86 83 86 90 93 94 98 102 104 103
Net Interest Income / (Expense)		 61 62 60 62 65 70 71 73 77 79 78
Total Interest Income		 89 95 97 100 106 110 111 115 120 121 118
Loans and Leases Interest Income		 79 83 86 91 96 99 100 104 108 108 107
Investment Securities Interest Income		 8.50 8.34 8.11 7.59 7.38 8.65 8.96 8.52 7.50 5.97 5.69
Federal Funds Sold and Securities Borrowed Interest Income		 1.64 3.53 2.10 2.16 1.95 3.06 2.00 2.73 5.00 7.50 5.03
Total Interest Expense		 28 33 36 38 41 40 41 42 43 42 39
Deposits Interest Expense		 21 30 32 32 34 36 35 38 39 38 35
Short-Term Borrowings Interest Expense		 0.16 - 0.14 0.14 0.12 - 0.07 0.07 0.07 0.07 0.07
Long-Term Debt Interest Expense		 5.50 2.74 3.54 5.75 5.69 3.42 5.15 3.32 3.28 3.32 3.29
Federal Funds Purchased and Securities Sold Interest Expense		 0.60 1.35 0.93 0.77 0.94 1.26 0.81 0.63 0.59 0.38 0.40
Total Non-Interest Income		 23 24 23 24 25 24 23 24 24 25 25
Other Service Charges		 0.81 -41 23 1.02 24 -43 22 1.09 1.25 70 23
Net Realized & Unrealized Capital Gains on Investments		 0.30 -0.15 - 0.02 -0.06 -0.06 0.00 0.07 0.00 - 0.48
Other Non-Interest Income		 22 66 0.59 23 0.63 67 0.62 23 23 -45 0.63
Provision for Credit Losses		 2.78 6.05 1.43 1.30 4.33 2.68 0.90 2.18 1.98 1.65 1.63
Total Non-Interest Expense		 47 50 49 49 48 52 51 53 54 55 55
Salaries and Employee Benefits		 28 28 30 30 30 31 32 33 34 34 35
Net Occupancy & Equipment Expense		 8.06 9.76 8.74 8.71 8.28 8.67 8.95 8.80 8.92 9.16 9.66
Marketing Expense		 1.36 1.75 1.08 1.60 1.44 2.82 1.52 1.95 1.89 2.17 1.28
Property & Liability Insurance Claims		 1.99 2.35 2.23 2.35 2.06 2.01 2.13 2.35 2.09 2.45 2.02
Other Operating Expenses		 5.93 6.33 5.77 5.68 5.46 5.70 5.80 6.08 6.30 6.33 6.15
Amortization Expense		 1.49 1.49 1.05 1.05 1.05 1.33 0.91 0.92 0.92 0.91 0.80
Income Tax Expense		 7.64 6.43 7.07 7.67 7.64 7.45 8.35 8.92 9.47 11 9.55
Basic Earnings per Share		 $0.93 $0.81 $0.89 $0.94 $1.00 $1.08 $1.13 $1.16 $1.23 $1.25 $1.25
Weighted Average Basic Shares Outstanding		 29.22M 29.21M 29.25M 29.28M 29.30M 29.29M 29.35M 29.36M 29.37M 29.36M 29.39M
Diluted Earnings per Share		 $0.92 $0.82 $0.88 $0.94 $1.00 $1.07 $1.13 $1.15 $1.23 $1.24 $1.24
Weighted Average Diluted Shares Outstanding		 29.34M 29.34M 29.36M 29.38M 29.45M 29.42M 29.50M 29.51M 29.53M 29.51M 29.50M
Weighted Average Basic & Diluted Shares Outstanding		 29.32M 29.33M 29.39M 29.41M 29.41M 29.44M 29.47M 29.47M 29.47M 29.48M 29.52M
Cash Dividends to Common per Share		 $0.30 - $0.30 $0.30 $0.31 - $0.31 $0.31 $0.32 - $0.32

Annual Cash Flow Statements for Stock Yards Bancorp

This table details how cash moves in and out of Stock Yards Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 30 -56 91 60 51 68 643 -794 99 25 595
Net Cash From Operating Activities		 43 63 54 66 58 77 102 109 107 143 166
Net Cash From Continuing Operating Activities		 43 63 54 66 58 77 102 109 107 143 166
Net Income / (Loss) Continuing Operations		 37 41 38 56 66 59 75 93 108 115 140
Consolidated Net Income / (Loss)		 37 41 38 56 66 59 75 93 108 115 140
Provision For Loan Losses		 0.75 3.00 2.55 2.71 1.00 18 -0.75 10 14 9.73 6.70
Depreciation Expense		 6.90 11 14 5.78 4.88 9.74 11 21 22 13 7.80
Non-Cash Adjustments to Reconcile Net Income		 -1.44 2.97 4.59 3.48 -11 -19 25 8.96 -2.20 -3.14 -1.64
Changes in Operating Assets and Liabilities, net		 -0.23 5.13 -5.15 -1.59 -2.70 9.36 -7.70 -24 -35 8.39 13
Net Cash From Investing Activities		 -227 -290 -115 -12 -163 -805 -79 -384 -424 -677 -107
Net Cash From Continuing Investing Activities		 -227 -290 -115 -12 -163 -805 -79 -384 -424 -677 -107
Purchase of Property, Leasehold Improvements and Equipment		 -3.46 -6.33 -2.79 -7.06 -5.10 -5.46 -4.58 -18 -7.73 -9.85 -12
Purchase of Investment Securities		 -553 -755 -769 -772 -730 -1,008 -480 -300 -623 -1,169 -1,133
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.07 0.00 0.23 2.91 1.24 0.00 25 1.73 0.22 0.71
Sale and/or Maturity of Investments		 329 471 657 905 701 352 748 328 205 502 1,038
Net Cash From Financing Activities		 214 170 152 5.37 156 796 620 -518 416 559 536
Net Cash From Continuing Financing Activities		 214 170 152 5.37 156 796 620 -518 416 559 536
Net Change in Deposits		 248 149 58 216 214 855 760 -516 279 496 625
Issuance of Debt		 108 289 120 120 120 100 30 50 950 1,000 1,200
Repayment of Debt		 -102 -281 -122 -121 -138 -148 -153 -3.20 -800 -900 -1,200
Repurchase of Common Equity		 -0.92 -1.92 -2.39 -2.00 -12 -2.27 -3.83 -4.81 -2.70 -4.22 -2.09
Payment of Dividends		 -14 -16 -18 -22 -24 -24 -28 -33 -35 -36 -37
Other Financing Activities, Net		 -26 32 117 -186 -5.40 16 15 -11 24 3.65 -50
Cash Interest Paid		 - 4.90 7.16 15 22 12 6.09 18 98 156 167
Cash Income Taxes Paid		 - 13 16 7.23 14 12 14 21 35 19 21

Quarterly Cash Flow Statements for Stock Yards Bancorp

This table details how cash moves in and out of Stock Yards Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -21 73 -106 44 49 38 113 48 305 130 -220
Net Cash From Operating Activities		 33 30 17 51 55 19 20 56 38 52 12
Net Cash From Continuing Operating Activities		 33 30 17 51 55 19 20 56 38 52 12
Net Income / (Loss) Continuing Operations		 27 24 26 28 29 32 33 34 36 37 37
Consolidated Net Income / (Loss)		 27 24 26 28 29 32 33 34 36 37 37
Provision For Loan Losses		 2.78 6.05 1.43 1.30 4.33 2.68 0.90 2.18 1.98 1.65 1.63
Depreciation Expense		 4.64 6.58 3.44 3.53 3.45 2.94 1.25 0.77 1.91 3.86 2.99
Non-Cash Adjustments to Reconcile Net Income		 -0.45 1.47 0.70 -0.69 -0.58 -2.58 -0.78 1.54 -1.95 -0.45 1.74
Changes in Operating Assets and Liabilities, net		 -1.53 -7.75 -14 19 19 -16 -15 17 0.03 10 -31
Net Cash From Investing Activities		 -165 -107 -58 -149 -71 -399 -12 -187 192 -100 -162
Net Cash From Continuing Investing Activities		 -165 -107 -58 -149 -71 -399 -12 -187 192 -100 -162
Purchase of Property, Leasehold Improvements and Equipment		 -2.06 -2.20 -1.83 -3.24 -1.50 -3.28 -1.94 -2.46 -3.06 -4.59 -2.74
Purchase of Investment Securities		 -231 427 -92 -316 -225 90 -388 -125 -408 -212 -284
Sale of Property, Leasehold Improvements and Equipment		 1.32 - - 0.22 - - 0.00 - - - 1.26
Sale and/or Maturity of Investments		 67 56 36 92 155 254 378 -61 604 117 124
Net Cash From Financing Activities		 111 149 -66 142 65 418 105 179 74 178 -70
Net Cash From Continuing Financing Activities		 111 149 -66 142 65 418 105 179 74 178 -70
Net Change in Deposits		 194 268 -62 -40 157 440 128 213 137 147 -34
Issuance of Debt		 750 -1,200 200 850 925 -1,500 300 300 300 300 300
Repayment of Debt		 -800 1,050 -200 -650 -1,000 1,475 -300 -300 -300 -300 -300
Repurchase of Common Equity		 -0.00 -0.31 -1.64 -0.05 -1.32 -1.22 -1.61 -0.31 -0.17 -0.00 -1.28
Payment of Dividends		 -8.77 -8.77 -8.87 -8.79 -9.08 -9.10 -9.11 -9.19 -9.40 -9.40 -9.51
Other Financing Activities, Net		 -25 40 6.65 -9.51 -6.68 13 -12 -25 -53 40 -25
Cash Interest Paid		 27 33 36 38 41 40 41 42 43 42 39
Cash Income Taxes Paid		 11 6.87 5.12 2.07 5.96 6.29 6.09 4.95 4.96 5.20 11

Annual Balance Sheets for Stock Yards Bancorp

This table presents Stock Yards Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,817 3,039 3,240 3,303 3,724 4,609 6,646 7,496 8,170 8,863 9,536
Cash and Due from Banks		 36 40 42 52 47 43 62 83 94 79 70
Federal Funds Sold		 68 8.26 97 147 203 275 899 85 171 212 816
Trading Account Securities		 566 570 575 439 479 610 1,189 1,620 1,477 1,367 927
Loans and Leases, Net of Allowance		 2,011 2,281 2,385 2,523 2,818 3,480 4,115 -74 -79 6,433 6,949
Loans and Leases		 2,033 2,305 2,410 2,548 2,845 3,532 4,169 - - 6,520 7,041
Allowance for Loan and Lease Losses		 22 24 25 26 27 52 54 74 79 87 92
Premises and Equipment, Net		 40 42 42 45 59 58 77 104 104 115 120
Goodwill		 - - - 0.68 13 13 136 194 194 194 194
Intangible Assets		 - - - 1.06 2.29 1.96 5.60 25 20 16 24
Other Assets		 90 94 97 96 103 129 162 5,385 6,109 447 446
Total Liabilities & Shareholders' Equity		 2,817 3,039 3,240 3,303 3,724 4,609 772 7,496 8,170 8,863 9,536
Total Liabilities		 2,530 2,726 2,906 2,936 3,318 4,168 5,970 6,736 7,312 7,923 8,460
Non-Interest Bearing Deposits		 584 680 675 711 810 1,187 - 1,950 1,549 1,456 1,436
Interest Bearing Deposits		 1,788 1,840 1,904 2,083 2,323 2,802 - 4,441 5,122 5,710 6,355
Federal Funds Purchased and Securities Sold		 22 47 161 10 11 11 - 8.79 13 6.53 7.29
Short-Term Debt		 65 68 70 36 32 48 - 133 153 163 112
Accrued Interest Payable		 0.13 0.14 0.23 0.76 0.64 0.39 - 0.66 2.09 1.91 1.74
Long-Term Debt		 43 51 49 48 80 32 0.00 76 227 327 327
Other Long-Term Liabilities		 28 39 46 47 61 88 97 125 247 258 221
Total Equity & Noncontrolling Interests		 287 314 334 367 406 441 676 760 858 940 1,076
Total Preferred & Common Equity		 287 314 334 367 406 441 676 760 858 940 1,076
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 287 314 334 367 406 441 676 760 858 940 1,076
Common Stock		 55 63 68 73 72 78 293 436 445 454 462
Retained Earnings		 231 252 267 298 334 354 391 440 506 578 675
Accumulated Other Comprehensive Income / (Loss)		 0.63 -1.50 -1.93 -5.14 0.68 8.74 -7.94 -116 -93 -91 -61

Quarterly Balance Sheets for Stock Yards Bancorp

This table presents Stock Yards Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 7,554 7,668 7,733 7,903 8,123 8,315 8,437 8,997 9,209 9,307 9,467
Cash and Due from Banks		 94 88 111 80 72 85 109 110 98 84 86
Federal Funds Sold		 236 229 103 113 89 119 144 294 354 672 581
Trading Account Securities		 1,633 1,607 1,550 1,472 1,386 1,349 1,242 1,254 1,227 947 892
Loans and Leases, Net of Allowance		 0.00 -76 -78 -78 -81 -82 -85 -89 6,760 6,837 7,133
Loans and Leases		 - - - - - - - - 6,850 6,929 7,226
Allowance for Loan and Lease Losses		 - 76 78 78 81 82 85 89 91 92 94
Premises and Equipment, Net		 99 104 102 101 109 113 114 116 116 118 121
Goodwill		 203 194 194 194 194 194 194 194 194 194 194
Intangible Assets		 29 24 23 21 19 18 17 15 14 13 23
Other Assets		 5,251 5,497 5,727 5,922 6,255 6,436 6,703 7,014 447 442 450
Total Liabilities & Shareholders' Equity		 7,554 7,668 7,733 7,903 8,123 8,315 8,437 8,997 9,209 9,307 9,467
Total Liabilities		 6,823 6,873 6,924 7,097 7,248 7,421 7,503 8,022 8,203 8,266 8,364
Non-Interest Bearing Deposits		 2,200 1,845 1,766 1,715 1,481 1,483 1,508 1,499 1,515 1,589 1,456
Interest Bearing Deposits		 4,301 4,512 4,442 4,688 5,128 5,087 5,218 5,795 5,992 6,055 6,301
Federal Funds Purchased and Securities Sold		 8.97 15 12 12 9.96 10 6.44 6.54 6.71 6.73 7.35
Short-Term Debt		 125 105 138 114 163 153 150 151 127 73 88
Accrued Interest Payable		 0.40 1.03 1.06 1.84 2.19 2.16 2.04 1.97 1.84 1.89 1.71
Long-Term Debt		 26 301 427 377 227 427 352 327 327 327 327
Other Long-Term Liabilities		 163 94 138 190 238 260 267 241 235 214 183
Total Equity & Noncontrolling Interests		 731 794 808 807 875 895 934 975 1,006 1,041 1,103
Total Preferred & Common Equity		 728 794 808 807 875 895 934 975 1,006 1,041 1,103
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00
Total Common Equity		 728 794 808 807 875 895 934 975 1,006 1,041 1,103
Common Stock		 434 441 442 443 448 449 452 458 460 461 466
Retained Earnings		 421 454 474 492 521 540 558 597 621 648 698
Accumulated Other Comprehensive Income / (Loss)		 -128 -101 -107 -128 -95 -95 -75 -80 -75 -68 -61

Annual Metrics And Ratios for Stock Yards Bancorp

This table displays calculated financial ratios and metrics derived from Stock Yards Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.69 $1.84 $1.69 $2.45 $2.92 $2.61 $3.00 $3.24 $3.69 $3.91 $4.77
Adjusted Weighted Average Basic Shares Outstanding		 22.38M 22.64M 22.53M 22.62M 22.60M 22.56M 24.90M 28.67M 29.21M 29.29M 29.36M
Adjusted Diluted Earnings per Share		 $1.65 $1.80 $1.66 $2.42 $2.89 $2.59 $2.97 $3.21 $3.67 $3.89 $4.75
Adjusted Weighted Average Diluted Shares Outstanding		 22.38M 22.64M 22.98M 22.94M 22.87M 22.77M 25.16M 28.92M 29.34M 29.42M 29.51M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 22.38M 22.64M 22.72M 22.79M 22.64M 22.73M 26.60M 29.26M 29.33M 29.44M 29.48M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Stock Yards Bancorp

This table displays calculated financial ratios and metrics derived from Stock Yards Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 29,478,930.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 29,478,930.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.24
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.47% -2.23% -2.09% 2.25% 6.61% 8.15% 12.25% 14.17% 13.07% - 10.12%
EBITDA Growth		 -8.99% -16.03% -15.48% -4.16% 2.73% 13.88% 17.81% 12.68% 17.74% - 14.61%
EBIT Growth		 -7.53% -22.29% -11.36% -1.04% 6.52% 28.87% 26.30% 21.77% 23.54% - 10.88%
NOPAT Growth		 -5.07% -19.95% -10.88% -0.24% 8.37% 32.37% 28.52% 23.28% 23.44% - 9.99%
Net Income Growth		 -5.07% -19.95% -10.88% -0.24% 8.37% 32.37% 28.52% 23.28% 23.44% - 9.99%
EPS Growth		 -5.15% -21.15% -11.11% 0.00% 8.70% 30.49% 28.41% 22.34% 23.00% - 9.73%
Operating Cash Flow Growth		 -34.11% -19.48% 78.41% 49.81% 70.34% -37.50% 13.59% 9.43% -31.02% - -38.08%
Free Cash Flow Firm Growth		 -270.05% 7.78% 84.39% 81.91% 71.98% 34.07% -314.05% 166.77% 128.36% - 82.76%
Invested Capital Growth		 47.18% 27.60% 5.30% 7.38% 10.66% 15.54% 15.00% -1.03% 0.37% - 4.37%
Revenue Q/Q Growth		 0.50% 2.64% -3.58% 2.80% 4.78% 4.12% 0.08% 4.57% 3.77% - -1.31%
EBITDA Q/Q Growth		 -2.73% -6.13% -1.53% 6.59% 4.26% 4.06% 1.87% 1.95% 8.94% - -5.11%
EBIT Q/Q Growth		 -2.54% -12.55% 8.50% 7.02% 4.91% 5.80% 6.33% 3.18% 6.43% - -3.70%
NOPAT Q/Q Growth		 -2.07% -11.62% 8.11% 6.61% 6.38% 7.95% 4.98% 2.26% 6.52% - -0.05%
Net Income Q/Q Growth		 -2.07% -11.62% 8.11% 6.61% 6.38% 7.95% 4.98% 2.26% 6.52% - -0.05%
EPS Q/Q Growth		 -2.13% -10.87% 7.32% 6.82% 6.38% 7.00% 5.61% 1.77% 6.96% - 0.00%
Operating Cash Flow Q/Q Growth		 -4.68% -6.85% -42.51% 193.49% 8.39% -65.82% 4.48% 182.75% -31.68% - -76.49%
Free Cash Flow Firm Q/Q Growth		 4.59% 37.30% 84.51% -95.18% -47.77% -47.53% 2.70% 131.48% -37.24% - 43.98%
Invested Capital Q/Q Growth		 -5.50% -4.60% 2.12% 16.63% -2.61% -0.38% 1.64% 0.37% -1.23% - 0.15%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 46.75% 42.76% 43.67% 45.28% 45.05% 45.03% 45.83% 44.69% 46.91% - 47.70%
EBIT Margin		 41.25% 35.14% 39.54% 41.16% 41.21% 41.88% 44.49% 43.90% 45.03% - 44.80%
Profit (Net Income) Margin		 32.17% 27.70% 31.06% 32.21% 32.70% 33.91% 35.57% 34.78% 35.70% - 35.52%
Tax Burden Percent		 78.00% 78.83% 78.55% 78.25% 79.35% 80.97% 79.94% 79.23% 79.29% - 79.30%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 22.00% 21.17% 21.45% 21.75% 20.65% 19.03% 20.06% 20.77% 20.71% - 20.70%
Return on Invested Capital (ROIC)		 10.08% 8.52% 8.51% 7.69% 8.26% 8.95% 9.49% 8.88% 9.59% - 9.73%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.08% 8.52% 8.51% 7.69% 8.26% 8.95% 9.49% 8.88% 9.59% - 9.73%
Return on Net Nonoperating Assets (RNNOA)		 4.21% 3.10% 4.06% 5.17% 4.71% 4.33% 4.45% 4.83% 4.38% - 4.18%
Return on Equity (ROE)		 14.29% 11.62% 12.57% 12.85% 12.97% 13.28% 13.94% 13.71% 13.97% - 13.90%
Cash Return on Invested Capital (CROIC)		 -27.74% -14.49% 3.32% 0.22% -2.31% -5.84% -4.98% 9.79% 9.03% - 5.38%
Operating Return on Assets (OROA)		 1.82% 1.52% 1.69% 1.74% 1.74% 1.73% 1.88% 1.88% 1.96% - 1.97%
Return on Assets (ROA)		 1.42% 1.20% 1.33% 1.36% 1.38% 1.40% 1.51% 1.49% 1.55% - 1.57%
Return on Common Equity (ROCE)		 14.26% 11.62% 12.57% 12.85% 12.97% 13.28% 13.94% 13.71% 13.97% - 13.90%
Return on Equity Simple (ROE_SIMPLE)		 14.09% 0.00% 11.96% 11.68% 11.43% 0.00% 12.50% 12.76% 12.99% - 13.01%
Net Operating Profit after Tax (NOPAT)		 27 24 26 28 29 32 33 34 36 - 37
NOPAT Margin		 32.17% 27.70% 31.06% 32.21% 32.70% 33.91% 35.57% 34.78% 35.70% - 35.52%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
SG&A Expenses to Revenue		 44.29% 46.09% 47.89% 46.72% 44.42% 45.59% 45.09% 44.32% 43.86% - 44.91%
Operating Expenses to Revenue		 55.46% 57.86% 58.75% 57.32% 53.97% 55.26% 54.55% 53.87% 53.03% - 53.63%
Earnings before Interest and Taxes (EBIT)		 35 30 33 35 37 39 42 43 46 - 46
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 39 37 36 39 40 42 43 44 48 - 49
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.39 1.72 1.63 1.63 1.95 2.24 2.08 2.31 1.98 - 1.77
Price to Tangible Book Value (P/TBV)		 1.90 2.29 2.15 2.14 2.52 2.88 2.65 2.92 2.47 - 2.21
Price to Revenue (P/Rev)		 3.29 4.35 4.22 4.30 5.28 5.98 5.61 6.21 5.34 - 4.80
Price to Earnings (P/E)		 9.90 13.70 13.63 13.97 17.07 18.39 16.67 18.13 15.25 - 13.62
Dividend Yield		 3.05% 2.34% 2.45% 2.42% 1.95% 1.70% 1.78% 1.57% 1.79% - 1.92%
Earnings Yield		 10.10% 7.30% 7.34% 7.16% 5.86% 5.44% 6.00% 5.51% 6.56% - 7.34%
Enterprise Value to Invested Capital (EV/IC)		 1.10 1.28 1.31 1.24 1.44 1.61 1.45 1.60 1.18 - 1.12
Enterprise Value to Revenue (EV/Rev)		 4.16 4.68 4.90 5.40 6.00 6.54 5.81 6.22 4.42 - 4.18
Enterprise Value to EBITDA (EV/EBITDA)		 8.52 9.95 10.80 12.11 13.58 14.61 12.83 13.77 9.68 - 8.85
Enterprise Value to EBIT (EV/EBIT)		 9.70 11.53 12.37 13.77 15.28 15.97 13.77 14.49 10.07 - 9.31
Enterprise Value to NOPAT (EV/NOPAT)		 12.50 14.76 15.82 17.56 19.40 20.12 17.29 18.15 12.62 - 11.86
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.47 14.90 14.47 13.97 13.43 16.13 14.51 15.52 12.84 - 10.74
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 40.41 573.18 0.00 0.00 0.00 16.23 13.14 - 21.29
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.61 0.44 0.45 0.65 0.54 0.52 0.49 0.45 0.38 - 0.38
Long-Term Debt to Equity		 0.47 0.26 0.26 0.48 0.38 0.35 0.34 0.33 0.31 - 0.30
Financial Leverage		 0.42 0.36 0.48 0.67 0.57 0.48 0.47 0.54 0.46 - 0.43
Leverage Ratio		 10.05 9.68 9.46 9.43 9.39 9.47 9.25 9.22 8.98 - 8.88
Compound Leverage Factor		 10.05 9.68 9.46 9.43 9.39 9.47 9.25 9.22 8.98 - 8.88
Debt to Total Capital		 37.81% 30.68% 30.80% 39.32% 34.94% 34.24% 32.90% 31.07% 27.75% - 27.31%
Short-Term Debt to Total Capital		 8.78% 12.36% 12.86% 10.37% 10.44% 11.39% 10.42% 8.68% 5.08% - 5.77%
Long-Term Debt to Total Capital		 29.03% 18.32% 17.94% 28.95% 24.50% 22.85% 22.48% 22.40% 22.68% - 21.54%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 62.19% 69.32% 69.20% 60.68% 65.06% 65.76% 67.10% 68.93% 72.25% - 72.69%
Debt to EBITDA		 2.94 2.38 2.54 3.83 3.29 3.11 2.91 2.68 2.27 - 2.16
Net Debt to EBITDA		 1.78 0.71 1.50 2.48 1.63 1.26 0.45 0.01 -2.02 - -1.31
Long-Term Debt to EBITDA		 2.26 1.42 1.48 2.82 2.31 2.07 1.99 1.93 1.85 - 1.70
Debt to NOPAT		 4.31 3.52 3.72 5.55 4.70 4.28 3.92 3.53 2.96 - 2.89
Net Debt to NOPAT		 2.62 1.06 2.19 3.59 2.33 1.74 0.61 0.02 -2.64 - -1.76
Long-Term Debt to NOPAT		 3.31 2.10 2.17 4.08 3.29 2.85 2.68 2.55 2.42 - 2.28
Noncontrolling Interest Sharing Ratio		 0.19% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -389 -244 -38 -74 -109 -161 -156 49 31 - -27
Operating Cash Flow to CapEx		 4,377.39% 1,380.23% 951.69% 1,693.11% 3,698.40% 577.64% 1,018.17% 2,278.45% 1,250.90% - 825.40%
Free Cash Flow to Firm to Interest Expense		 -14.08 -7.34 -1.04 -1.93 -2.67 -3.98 -3.85 1.19 0.71 - -0.69
Operating Cash Flow to Interest Expense		 1.18 0.91 0.48 1.34 1.36 0.47 0.49 1.35 0.88 - 0.31
Operating Cash Flow Less CapEx to Interest Expense		 1.15 0.85 0.43 1.26 1.32 0.39 0.44 1.29 0.81 - 0.27
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 - 0.04
Fixed Asset Turnover		 3.42 3.27 3.17 3.15 3.22 3.22 3.22 3.27 3.34 - 3.43
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,297 1,238 1,264 1,474 1,436 1,430 1,454 1,459 1,441 - 1,517
Invested Capital Turnover		 0.31 0.31 0.27 0.24 0.25 0.26 0.27 0.26 0.27 - 0.27
Increase / (Decrease) in Invested Capital		 416 268 64 101 138 192 190 -15 5.35 - 64
Enterprise Value (EV)		 1,422 1,590 1,654 1,835 2,071 2,305 2,107 2,329 1,707 - 1,702
Market Capitalization		 1,124 1,476 1,425 1,460 1,823 2,106 2,033 2,327 2,063 - 1,954
Book Value per Share		 $27.52 $29.26 $29.90 $30.43 $31.77 $31.98 $33.14 $34.13 $35.33 - $37.41
Tangible Book Value per Share		 $20.17 $21.95 $22.61 $23.21 $24.58 $24.84 $26.04 $27.07 $28.30 - $30.06
Total Capital		 1,297 1,238 1,264 1,474 1,436 1,430 1,454 1,459 1,441 - 1,517
Total Debt		 491 380 389 580 502 490 478 453 400 - 414
Total Long-Term Debt		 377 227 227 427 352 327 327 327 327 - 327
Net Debt		 297 114 229 375 249 199 74 1.97 -356 - -252
Capital Expenditures (CapEx)		 0.74 2.20 1.83 3.02 1.50 3.28 1.94 2.46 3.06 - 1.48
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 491 380 389 580 502 490 478 453 400 - 414
Total Depreciation and Amortization (D&A)		 4.64 6.58 3.44 3.53 3.45 2.94 1.25 0.77 1.91 - 2.99
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.93 $0.81 $0.89 $0.94 $1.00 $1.08 $1.13 $1.16 $1.23 $1.25 $1.25
Adjusted Weighted Average Basic Shares Outstanding		 29.22M 29.21M 29.25M 29.28M 29.30M 29.29M 29.35M 29.36M 29.37M 29.36M 29.39M
Adjusted Diluted Earnings per Share		 $0.92 $0.82 $0.88 $0.94 $1.00 $1.07 $1.13 $1.15 $1.23 $1.24 $1.24
Adjusted Weighted Average Diluted Shares Outstanding		 29.34M 29.34M 29.36M 29.38M 29.45M 29.42M 29.50M 29.51M 29.53M 29.51M 29.50M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 29.32M 29.33M 29.39M 29.41M 29.41M 29.44M 29.47M 29.47M 29.47M 29.48M 29.52M
Normalized Net Operating Profit after Tax (NOPAT)		 27 24 26 28 29 32 33 34 36 - 37
Normalized NOPAT Margin		 32.17% 27.70% 31.06% 32.21% 32.70% 33.91% 35.57% 34.78% 35.70% - 35.52%
Pre Tax Income Margin		 41.25% 35.14% 39.54% 41.16% 41.21% 41.88% 44.49% 43.90% 45.03% - 44.80%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.26 0.91 0.90 0.92 0.91 0.97 1.02 1.03 1.06 - 1.18
NOPAT to Interest Expense		 0.98 0.72 0.71 0.72 0.72 0.79 0.82 0.82 0.84 - 0.93
EBIT Less CapEx to Interest Expense		 1.23 0.85 0.85 0.84 0.87 0.89 0.98 0.98 0.99 - 1.14
NOPAT Less CapEx to Interest Expense		 0.95 0.65 0.66 0.64 0.68 0.70 0.77 0.76 0.77 - 0.90
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 30.13% 32.09% 33.35% 33.67% 33.25% 31.29% 29.59% 28.43% 27.22% - 26.14%
Augmented Payout Ratio		 30.13% 34.59% 35.23% 35.59% 36.36% 34.97% 33.03% 31.89% 29.66% - 27.37%

Financials Breakdown Chart

Key Financial Trends

Stock Yards Bancorp (SYBT) has shown notable profitability and balance-sheet momentum across the latest four years of quarterly results. Below is a concise, bullet-point style view of the most relevant trends for retail investors.

  • Strong 2025 earnings per share trend: Basic earnings per share in Q4 2025 were $1.25 and diluted $1.24, up from prior quarters (Q3 2025: $1.23 basic/diluted; Q2 2025: $1.16; Q1 2025: $1.13).
  • Rising net income attributable to common shareholders: Q4 2025 net income attributable to common shareholders reached $36.614 million, extending the positive trajectory through 2025 (Q3 2025: $36.241 million).
  • Total revenue expanded in 2025: Q4 2025 total revenue was $104.378 million, up from $101.513 million in Q3 2025 and higher across the year (Q2 2025: $97.821 million; Q1 2025: $93.548 million).
  • Net interest income rose in Q4 2025: Net interest income reached $79.250 million in Q4 2025, up from $77.037 million in Q3 2025 and higher relative to earlier quarters.
  • Non-interest income growth in 2025: Total non-interest income was $25.128 million in Q4 2025, with ongoing quarterly gains (Q3 2025: $24.476 million; Q2 2025: $24.348 million; Q1 2025: $22.947 million).
  • Deposit base trend positive: Deposits have continued to grow, with non-interest-bearing deposits around $1.59 billion and interest-bearing deposits around $6.05 billion by Q3 2025, indicating a solid funding base (Q2 2025 figures similar trend).
  • Operating cash flow remained solid: Net cash from continuing operating activities was $52.11 million in Q4 2025, supported by cash flow strength across 2025 quarters.
  • Shareholder returns maintained: Dividends per share to common were $0.32 in Q4 2025, consistent with prior quarters and signaling ongoing return of capital to shareholders.
  • Prudent but rising loan loss reserves: Provision for credit losses was $1.65 million in Q4 2025, rising modestly through the year as part of prudent credit risk management (lower in earlier quarters but still contained).
  • OCI headwind persists: Accumulated other comprehensive income (loss) remains negative (example: around -$67.6 million in 2025 period data), which can weigh on equity outside of current earnings and may imply volatility in OCI-related components.

Overall, SYBT shows improving earnings power in 2025, supported by stronger net interest income, growing total revenue, and a healthy deposit base. The bank also maintains a solid capital position and positive cash flow, while continuing to balance credit-reserve development with ongoing profitability. If you’re weighing SYBT, these trends point to a gradually stronger earnings profile amid a modestly rising risk headwind from OCI and loan-loss reserves.

05/10/26 09:22 AM ETAI Generated. May Contain Errors.

Stock Yards Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Stock Yards Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Stock Yards Bancorp's net income appears to be on an upward trend, with a most recent value of $140.15 million in 2025, rising from $37.19 million in 2015. The previous period was $114.54 million in 2024. See Stock Yards Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Stock Yards Bancorp's total revenue changed from $128.27 million in 2015 to $397.26 million in 2025, a change of 209.7%.

Stock Yards Bancorp's total liabilities were at $8.46 billion at the end of 2025, a 6.8% increase from 2024, and a 234.4% increase since 2015.

In the past 10 years, Stock Yards Bancorp's cash and equivalents has ranged from $35.90 million in 2015 to $94.47 million in 2023, and is currently $70.06 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:SYBT last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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