Stock Yards Bancorp, Inc.

Listed Company

SYBTCIK 0000835324NasdaqLarge AcceleratedState Commercial BanksKentuckyFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$140.15M

Total Assets

$9.54B

Equity

$1.08B

Shares Out

29.52M

Op. Cash Flow

$166.05M

SYBT$78.12−4.48% · past yearDBEQ Basic

Daily closing prices

Business

Stock Yards Bancorp, Inc. is a bank holding company that operates Stock Yards Bank & Trust Company, a state-chartered bank providing retail and commercial banking services across Kentucky, Indiana, and Ohio through 75 full-service locations. The Bank generates revenue primarily from net interest income on loans and deposits, supplemented by fee income from wealth management and trust services, deposit charges, card services, treasury management, mortgage banking, and brokerage activities. Bancorp operates two reportable segments: Commercial Banking (offering lending, deposits, and ancillary services) and Wealth Management & Trust (providing investment management, financial planning, and retirement services).

Summary from 10-K filed 2026-02-26

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	417	369	302	216	164
Federal funds sold and interest bearing due from banks	17	9	8	6	645,000
Mortgage loans held for sale	348,000	232,000	211,000	190,000	249,000
Federal Home Loan Bank stock	2	2	2	505,000	262,000
Taxable	29	30	33	27	12
Tax-exempt	2	2	2	1	272,000
Total interest income	468	413	347	252	177
Deposits	150	134	82	16	6
Securities sold under agreements to repurchase	2	3	2	567,000	24,000
Federal funds purchased and other short-term borrowings	283,000	471,000	689,000	154,000	14,000
Federal Home Loan Bank advances	13	16	13	12,000	337,000
Subordinated debentures	2	2	2	1	0
Total interest expense	167	156	99	18	—
Net interest income	300	257	247	233	171
Provision for credit losses	7	10	14	10	−753,000
Net interest income after provision expense	294	247	234	223	172
Mortgage banking income	4	4	4	3	5
Loss on sale of securities AFS debt securities	0	0	−44,000	0	0
Bank owned life insurance	3	2	2	2	914,000
Gain on sale of premises and equipment	72,000	−100,000	−30,000	4	−78,000
Total non-interest income	97	95	92	89	66
Compensation	111	101	92	87	63
Employee benefits	21	20	18	17	13
Net occupancy and equipment	17	15	16	14	10
Technology and communication	19	19	17	15	11
Debit and credit card processing	8	7	6	6	4
Marketing and business development	8	7	6	5	4
Postage, printing and supplies	4	4	4	3	2
Legal and professional	4	4	4	3	3
FDIC insurance	5	5	4	3	2
Capital and deposit based taxes	3	3	2	3	2
Intangible amortization	4	4	5	6	770,000
Amortization of investments in tax credit partnerships	0	0	1	353,000	367,000
Other	10	9	11	11	7
Total non-interest expenses	212	198	188	192	142
Income before income tax expense	178	144	138	120	95
Income tax expense	38	30	30	27	21
Net income	140	115	108	—	—
Net income per share - basic (in dollars per share)	4.77	3.91	3.69	3.24	3
Net income per share - diluted (in dollars per share)	4.75	3.89	3.67	3.21	2.97
Basic (in shares)	29	29	29	29	25
Diluted (in shares)	30	29	29	29	25

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	70	79	94	83	62
Federal funds sold and interest bearing due from banks	816	212	171	85	899
Total cash and cash equivalents	886	291	266	167	961
Mortgage loans held for sale, at fair value	6	6	6	3	9
Available for sale debt securities (amortized cost of $801,371 in 2025 and $1,114,961 in 2024, respectively)	722	990	—	—	—
Held to maturity debt securities (fair value of $181,203 in 2025 and $341,357 in 2024, respectively)	199	370	—	—	—
Federal Home Loan Bank stock, at cost	21	22	16	11	9
Loans	7,041	6,520	—	—	—
Allowance for credit losses on loans	−92	−87	−79	−74	—
Net loans	6,949	6,433	—	—	—
Premises and equipment, net	119	113	101	102	77
Premises held for sale	2	2	3	3	0
Bank owned life insurance	92	89	87	85	53
Accrued interest receivable	29	28	27	22	14
Goodwill	194	194	194	194	136
Other assets	305	309	287	135	86
Total assets	9,536	8,863	8,170	7,496	6,646
Non-interest bearing	1,436	1,456	1,549	1,950	1,756
Interest bearing	6,355	5,710	5,122	4,441	4,032
Total deposits	7,791	7,166	6,671	6,391	5,788
Securities sold under agreements to repurchase	112	163	153	133	75
Federal funds purchased	7	7	13	9	10
Subordinated debentures	27	27	27	26	0
Federal Home Loan Bank advances	300	300	200	50	0
Accrued interest payable	2	2	2	660,000	300,000
Other liabilities	221	258	247	125	97
Total liabilities	8,460	7,923	7,312	6,736	5,970
Preferred stock, no par value. Authorized 1,000,000 shares; no shares issued or outstanding	0	0	0	0	0
Common stock, no par value. Authorized 40,000,000 shares; issued and outstanding 29,476,000 and 29,431,000 shares in 2025 and 2024, respectively	59	59	59	58	50
Additional paid-in capital	403	395	386	378	243
Retained earnings	675	578	506	440	391
Accumulated other comprehensive loss	−61	−91	−93	−116	−8
Total stockholders equity	1,076	940	858	760	676
Total liabilities and equity	9,536	8,863	8,170	7,496	6,646

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation, amortization and accretion, net	8	13	22	21	11
Deferred income tax expense (benefit)	−3	−3	−435,000	2	5
Gain on sale of mortgage loans held for sale	−3	−2	−2	−521,000	−4
Origination of mortgage loans held for sale	−149	−115	−106	−135	−157
Proceeds from sale of mortgage loans held for sale	153	117	104	145	178
Gain on other real estate owned	−62,000	0	43,000	−46,000	−163,000
Stock compensation expense	4	4	4	4	5
Excess tax benefit from share-based compensation arrangements	−604,000	−1	−644,000	−2	−1
Net change in accrued interest receivable and other assets	10	−1	−4	−14	4
Net change in accrued interest payable and other liabilities	3	10	−31	−10	−12
Net cash provided by operating activities	166	143	107	109	102
Purchases of available for sale debt securities	−595	−397	−6	−196	−505
Proceeeds from sales of available for sale debt securities	0	0	2	0	0
Proceeds from maturities and paydowns of available for sale debt securities	913	435	144	169	210
Proceeds from maturities and paydowns of held to maturity debt securities	171	70	34	146	0
Purchases of FHLB stock	−18	−34	−29	0	0
Proceeds from redemption of FHLB stock	19	28	23	3	9
Net change in loans	−521	−739	−574	—	—
Purchases of premises and equipment	−12	−10	−8	−18	−5
Proceeds from sale or disposal of premises and equipment	710,000	223,000	2	25	0
Other investment activities	−65	−32	−14	−4	−5
Proceeds from sales of other real estate owned	147,000	0	624,000	7	919,000
Net cash used in investing activities	−107	−677	−424	−384	−79
Net change in deposits	625	496	279	−516	760
Net change in securities sold under agreements to repurchase and federal funds purchased	−50	4	24	−10	15
Proceeds from FHLB advances	1,200	1,000	950	50	30
Repayments of FHLB advances	−1,200	−900	−800	0	−153
Repurchase of common stock	−2	−4	−3	−5	−4
Cash dividends paid	−37	−36	−35	−33	−28
Net cash provided by financing activities	536	559	416	−518	620
Net change in cash and cash equivalents	595	25	99	−794	643
Interest paid	167	156	98	18	6
Income taxes paid, net of refunds	21	19	35	—	—
Cash paid for operating lease liabilities	4	5	4	4	3
Change in unfunded commitments in tax credit investments	22	19	165	7	5
Due to broker	0	10	0	22	21
Dividends payable to stockholders	271,000	255,000	239,000	230,000	220,000
Premises and equipment transferred to premises held for sale	0	0	871,000	22	0
Loans transferred to OREO	265,000	0	0	587,000	7

Filings

Filing historySign up free to browse every 10-K, 10-Q, 8-K, and proxy this filer has submitted to the SEC.Sign up free · Upgrade to Pro

Material Events

Material EventsTrack every 8-K filing and material event — AI-summarized, timelined, and alertable.Sign up free · Upgrade to Pro

Insiders

Insider ActivitySee executive buy/sell windows and insider trade activity over rolling 30/90/365-day windows.Sign up free · Upgrade to Pro

Institutional Holders

Institutional HoldersSee which funds hold this stock and track position changes quarter over quarter.Sign up free · Upgrade to Pro

Frequently asked questions

What is Stock Yards Bancorp, Inc.'s CIK number?

Stock Yards Bancorp, Inc.'s SEC CIK number is 0000835324 (835324). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find Stock Yards Bancorp, Inc.'s SEC filings?

All of Stock Yards Bancorp, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did Stock Yards Bancorp, Inc. last report earnings?

Stock Yards Bancorp, Inc. (SYBT) most recently filed an earnings 8-K with the SEC on Apr 22, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001171843-26-002634). This is Stock Yards Bancorp, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is Stock Yards Bancorp, Inc.'s most recent earnings 8-K?

Stock Yards Bancorp, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 22, 2026 under accession 0001171843-26-002634. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View Stock Yards Bancorp, Inc.'s latest earnings 8-K →
Look up any company's CIK number →