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6Material company update
Apr 29, 2026·SEC
Material company update
Apr 22, 2026·SEC
Material company update
Jan 27, 2026·SEC
Stock Yards Bancorp, Inc.(SYBT)Earnings, Financials & Key Ratios
SYBT•NASDAQ•Banking & Credit
$78.27
16.5× P/E·Price updated Jul 7, 2026
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%
SYBT Price & Volume
Stock Yards Bancorp, Inc. (SYBT) stock price & volume — 10-year historical chart
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Stable Margin Performance Supports Regional Growth Strategy
Investment Thesis • Updated 2026Q1
VerdictPositive
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Stable
Primary Risk:CRE concentration and duration
Key Thesis Takeaways
- Stock Yards Bancorp demonstrates a resilient earnings profile, evidenced by a consistent 0.8% net interest margin and a steady improvement in the efficiency ratio to 38.8% as of 2026Q1.
- While the bank's reliance on an $8.2 billion investment securities portfolio provides liquidity, it also introduces potential interest rate sensitivity that warrants careful monitoring.
- Investors should weigh the bank's disciplined capital return policy, including a $9.5 million quarterly dividend, against the inherent risks of its concentrated asset profile and regional market exposure.
Verdict Logic
the bank's ability to maintain a stable 0.8% net interest margin despite industry-wide deposit beta pressures suggests a resilient business model that justifies its current 15.37 forward P/E valuation.
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%
TTM17.68%
EPS CAGR
10 Years11.15%
5 Years12.9%
3 Years13.95%
TTM17.39%
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
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$1.24+6.0%
$1.17
Rev
$103M+0.0%
$103M
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$1.24+3.3%
$1.20
Rev
$104M+1.9%
$102M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$1.23+7.0%
$1.15
Rev
$100M-2.8%
$102M
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$1.15+9.5%
$1.05
Rev
$98M-2.0%
$100M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $1.24vs $1.17+6.0% | $103Mvs $103M+0.0% |
| Q1 2026 | Jan 27, 2026 | $1.24vs $1.20+3.3% | $104Mvs $102M+1.9% |
| Q4 2025 | Oct 29, 2025 | $1.23vs $1.15+7.0% | $100Mvs $102M-2.8% |
| Q3 2025 | Jul 23, 2025 | $1.15vs $1.05+9.5% | $98Mvs $100M-2.0% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Stock Yards Bancorp, Inc. (SYBT)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $78.27 | $2.31B | 16.48 | 12.69% | 24.83% | 13.9% | 1.61% | |
| $28.66 | $5.77B | 11.89 | -5.35% | 34.84% | 11.29% | — | |
| $22.75 | $3.3B | -7.71 | -56.66% | -63.53% | -10.51% | — | |
| $34.67 | $4.97B | 19.59 | 11.71% | 31.14% | 14.2% | — | |
| $46.14 | $6.36B | 14.11 | 12.33% | 36.72% | 9.27% | — | |
| $76.24 | $3.97B | 14.98 | -3.05% | 22.64% | 11.38% | — |
Compare SYBT vs Peers
Stock Yards Bancorp, Inc. (SYBT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SYBT SEC Filings & Documents
Stock Yards Bancorp, Inc. (SYBT) SEC filings — annual & quarterly reports (10-K, 10-Q)
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SYBT Frequently Asked Questions
Stock Yards Bancorp, Inc. (SYBT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Stock Yards Bancorp, Inc. growing?
Stock Yards Bancorp, Inc. (SYBT) grew revenue by 12.7% over the past year. This is steady growth.
Is SYBT profitable?
Yes, Stock Yards Bancorp, Inc. (SYBT) is profitable, generating $143.5M in net income for fiscal year 2025 (24.8% net margin).
Dividend & Returns
Does SYBT pay dividends?
Yes, Stock Yards Bancorp, Inc. (SYBT) pays a dividend with a yield of 1.61%. This makes it attractive for income-focused investors.
What is SYBT's return on equity?
Stock Yards Bancorp, Inc. (SYBT) has a return on equity (ROE) of 13.9%. This is reasonable for most industries.
Industry Metrics
What is Stock Yards Bancorp, Inc.'s net interest margin?
Stock Yards Bancorp, Inc. (SYBT) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Stock Yards Bancorp, Inc.'s efficiency ratio?
Stock Yards Bancorp, Inc. (SYBT) has an efficiency ratio of 37.6%. This is excellent, indicating strong cost control.