Stock Yards Bancorp, Inc. (SYBT) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Stock Yards Bancorp reported revenue of $397.3M, up 12.8% from $352.3M the year before. Net income was $140.2M (a 35.3% net margin), or $4.75 per diluted share. Net interest income was $300.3M, and the efficiency ratio (noninterest expense / revenue) was 53.5%. Operating activities generated $166.0M of cash, leaving $154.0M of free cash flow. At fiscal year end, Stock Yards Bancorp held $9.54B in total assets against $8.46B in total liabilities.
Open the full interactive Stock Yards Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Stock Yards Bancorp Key Stats
| Share Price | $75.52 |
|---|---|
| Market Cap | $2.31B |
| P/E Ratio | 15.9 |
| Dividend Yield | 1.66% |
| Revenue YoY Growth | +12.8% |
| 52-Week Range | $61.57 – $87.66 |
| Shares Outstanding | 30.4 million (basic, 2026 Q2) |
Stock Yards Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $135.9M | $171.1M | $233.4M | $247.3M | $257.0M | $300.3M |
| Provision for Credit Losses | $16.9M | -$753,000 | $9.7M | $13.8M | $8.8M | $6.7M |
| Noninterest Income | $51.9M | $65.8M | $89.1M | $92.2M | $95.2M | $96.9M |
| Noninterest Expense | $103.2M | $142.3M | $191.8M | $187.8M | $198.2M | $212.4M |
| Revenue | $187.8M | $236.9M | $322.5M | $339.6M | $352.3M | $397.3M |
| Pre-Tax Income | $67.7M | $95.4M | $120.5M | $137.9M | $144.4M | $178.2M |
| Income Tax | $8.9M | $20.8M | $27.2M | $30.2M | $29.8M | $38.0M |
| Net Income | $58.9M | $74.6M | $93.0M | $107.7M | $114.5M | $140.2M |
| Diluted EPS | $2.59 | $2.97 | $3.21 | $3.67 | $3.89 | $4.75 |
Stock Yards Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $101.5M | $104.4M | $103.0M | $114.6M |
| Net Income | $36.2M | $36.6M | $36.6M | $40.1M |
| Diluted EPS | $1.23 | $1.24 | $1.24 | $1.31 |
Stock Yards Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $3.48B | $4.12B | — | — | — | $6.95B |
| Total Assets | $4.61B | $8.00B | $7.50B | $8.17B | $8.86B | $9.54B |
| Deposits | $3.99B | $5.79B | $6.39B | $6.67B | $7.17B | $7.79B |
| Total Long-Term Debt | $31.6M | — | $26.3M | $26.7M | $26.8M | $26.8M |
| Total Liabilities | $4.17B | $5.97B | $6.74B | $7.31B | $7.92B | $8.46B |
| Shareholders' Equity | $440.7M | $7.53B | $760.4M | $858.1M | $940.5M | $1.08B |
Stock Yards Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $77.1M | $102.1M | $108.7M | $106.7M | $142.9M | $166.0M |
| Cash From Investing | -$804.7M | -$78.9M | -$384.4M | -$424.0M | -$677.1M | -$106.5M |
| Cash From Financing | $795.8M | $620.0M | -$518.1M | $415.9M | $559.2M | $535.8M |
| Free Cash Flow | $71.7M | $97.5M | $90.3M | $99.0M | $133.0M | $154.0M |
| Dividends Paid | $24.5M | $28.2M | $33.3M | $34.6M | $35.8M | $37.1M |
Figures from Stock Yards Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Stock Yards Bancorp financials page for every line item.
Stock Yards Bancorp Company Profile
| Ticker | SYBT |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Louisville, Kentucky |
| Incorporated in | Kentucky |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000835324 |
Frequently Asked Questions
What was Stock Yards Bancorp's revenue in fiscal 2025?
Stock Yards Bancorp (SYBT) reported revenue of $397.3M for fiscal 2025.
What is Stock Yards Bancorp's annual revenue history?
Stock Yards Bancorp's annual revenue by fiscal year: 2020: $187.8M; 2021: $236.9M; 2022: $322.5M; 2023: $339.6M; 2024: $352.3M; 2025: $397.3M.
What was Stock Yards Bancorp's net income in fiscal 2025?
Stock Yards Bancorp reported net income of $140.2M for fiscal 2025.
What was Stock Yards Bancorp's earnings per share (EPS) in fiscal 2025?
Stock Yards Bancorp's diluted EPS was $4.75 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Stock Yards Bancorp generate in fiscal 2025?
Stock Yards Bancorp generated $154.0M of free cash flow in fiscal 2025.
What was Stock Yards Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Stock Yards Bancorp reported revenue of $114.6M.
How much debt does Stock Yards Bancorp have?
Stock Yards Bancorp reported $26.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Stock Yards Bancorp are outstanding?
Stock Yards Bancorp reported a weighted average of 30.4 million basic shares outstanding in 2026 Q2.
What is Stock Yards Bancorp's market cap?
Based on its latest closing price, Stock Yards Bancorp (SYBT) has a market capitalization of about $2.31B.
When does Stock Yards Bancorp's fiscal year end?
Stock Yards Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Stock Yards Bancorp headquartered?
Stock Yards Bancorp lists its business address in Louisville, Kentucky in its SEC filings.