SYBT · Stock Yards Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $6.20M | $6.60M | $7.70M | $6.50M | $4.80M | $4.40M |
| Operating Income | $178.20M | $144.37M | $137.93M | $120.48M | $67.74M | $67.74M |
| Interest Expense | - | - | $99.36M | $18.27M | $6.00M | $11.95M |
| Income Tax | $38.05M | $29.83M | $30.18M | $27.19M | $20.75M | $8.87M |
| Net Income | $114.54M | $114.54M | $107.75M | $92.97M | $74.64M | $58.87M |
| EPS - Basic | $4.77 | $3.91 | $3.69 | $3.24 | $3.00 | $2.61 |
| EPS - Diluted | $4.75 | $3.89 | $3.67 | $3.21 | $2.97 | $2.59 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $9.54B | $8.86B | $8.17B | $7.50B | $6.65B | $4.61B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $26.81M | $26.81M | $26.74M | $26.34M | - | - |
| Total Liabilities | $8.46B | $7.92B | $7.31B | $6.74B | $5.97B | $4.17B |
| Stockholders' Equity | $1.08B | $940.48M | $858.10M | $760.43M | $675.87M | $440.70M |
| Retained Earnings | $675.06M | $577.61M | $506.34M | $439.90M | $391.20M | $353.57M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $166.05M | $142.87M | $106.70M | $108.74M | $102.10M | $77.13M |
| Investing Cash Flow | ($106.50M) | ($677.06M) | ($424.05M) | ($384.43M) | ($78.87M) | ($804.72M) |
| Financing Cash Flow | $535.81M | $559.25M | $415.94M | ($518.14M) | $620.02M | $795.81M |
| CapEx | $12.04M | $9.85M | $7.73M | $18.44M | $4.58M | $5.46M |
| Free Cash Flow | $154.00M | $133.02M | $98.97M | $90.30M | $97.52M | $71.67M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.34 | 1.16 | 0.92 | 0.97 | 1.31 | 1.22 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 24.9% | 20.7% | 21.9% | 22.6% | 21.8% | 13.1% |
| Return on assets | 1.2% | 1.3% | 1.3% | 1.2% | 1.1% | 1.3% |
| Return on equity | 10.6% | 12.2% | 12.6% | 12.2% | 11.0% | 13.4% |
| Return on invested capital | 12.1% | 11.8% | 12.2% | 11.8% | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.02 | 0.03 | 0.03 | 0.03 | - | - |
| Debt / Assets | 0.00 | 0.00 | 0.00 | 0.00 | - | - |
| Debt / EBITDA | 0.15 | 0.18 | 0.18 | 0.21 | - | - |
| Interest coverage | - | - | 1.4x | 6.6x | 11.3x | 5.7x |
| Equity multiplier | 8.87 | 9.42 | 9.52 | 9.86 | 9.83 | 10.46 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 13.7x | 18.4x | 14.0x | 20.2x | 21.5x | 15.6x |
| P / B | 1.8x | 2.2x | 1.8x | 2.5x | 2.4x | 2.1x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 10.5x | 14.1x | 10.6x | 15.0x | 22.2x | 12.8x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 23.4% | 4.7% | 14.5% | 77.9% | 0.0% | -10.5% |
| Net income growth (YoY) | 0.0% | 6.3% | 15.9% | 24.6% | 26.8% | -10.9% |
| EPS growth (YoY) | 22.1% | 6.0% | 14.3% | 8.1% | 14.7% | -10.4% |
| EPS CAGR (3y) | 14.0% | 9.4% | 12.3% | 3.6% | 7.1% | 16.0% |
| EPS CAGR (5y) | 12.9% | 6.1% | 8.7% | 14.1% | 10.5% | 0.9% |
| FCF growth (YoY) | 15.8% | 34.4% | 9.6% | -7.4% | 36.1% | 34.4% |
| FCF CAGR (5y) | 16.5% | 20.1% | 11.0% | 8.3% | 11.4% | 12.5% |
| Book value growth (YoY) | 14.4% | 9.6% | 12.8% | 12.5% | 53.4% | 8.5% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing Stock Yards Bancorp against the 5 most active filers in the same SIC group.
Dividends
$1.27/share trailing 12 months · +3.3% YoY
| Ex-date | Per share |
|---|---|
| Mar 16, 2026 | $0.3200 |
| Dec 15, 2025 | $0.3200 |
| Sep 15, 2025 | $0.3200 |
| Jun 16, 2025 | $0.3100 |
| Mar 17, 2025 | $0.3100 |
| Dec 16, 2024 | $0.3100 |
| Sep 16, 2024 | $0.3100 |
| Jun 17, 2024 | $0.3000 |
| Mar 15, 2024 | $0.3000 |
| Dec 15, 2023 | $0.3000 |
| Sep 15, 2023 | $0.3000 |
| Jun 16, 2023 | $0.2900 |
| Mar 17, 2023 | $0.2900 |
| Dec 16, 2022 | $0.2900 |
| Sep 16, 2022 | $0.2900 |
| Jun 16, 2022 | $0.2800 |
| Mar 18, 2022 | $0.2800 |
| Dec 17, 2021 | $0.2800 |
| Sep 17, 2021 | $0.2800 |
| Jun 18, 2021 | $0.2700 |
| Mar 11, 2021 | $0.2700 |
| Dec 18, 2020 | $0.2700 |
| Sep 18, 2020 | $0.2700 |
| Jun 12, 2020 | $0.2700 |