Stock Yds Bancorp Inc Financials
This page shows Stock Yds Bancorp Inc (SYBT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Stock Yds Bancorp Inc's revenue surged 19.1% year-over-year to $412.9M, reflecting rapid business expansion. This strong growth earns a score of 83/100.
Stock Yds Bancorp Inc carries a low D/E ratio of 0.03, meaning only $0.03 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Stock Yds Bancorp Inc converts 32.2% of revenue into free cash flow ($133.0M). This strong cash generation earns a score of 100/100.
Stock Yds Bancorp Inc's ROE of 12.2% shows moderate profitability relative to equity, earning a score of 49/100. This is down from 12.6% the prior year.
Stock Yds Bancorp Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Stock Yds Bancorp Inc generates $1.25 in operating cash flow ($142.9M OCF vs $114.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Stock Yds Bancorp Inc generated $412.9M in revenue in fiscal year 2024. This represents an increase of 19.1% from the prior year.
Stock Yds Bancorp Inc generated $133.0M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 34.4% from the prior year.
Stock Yds Bancorp Inc reported $114.5M in net income in fiscal year 2024. This represents an increase of 6.3% from the prior year.
Stock Yds Bancorp Inc earned $3.89 per diluted share (EPS) in fiscal year 2024. This represents an increase of 6.0% from the prior year.
Stock Yds Bancorp Inc paid $1.22 per share in dividends in fiscal year 2024. This represents an increase of 3.4% from the prior year.
Stock Yds Bancorp Inc had 29M shares outstanding in fiscal year 2024. This represents an increase of 0.4% from the prior year.
Stock Yds Bancorp Inc's net profit margin was 27.7% in fiscal year 2024, showing the share of revenue converted to profit. This is down 3.3 percentage points from the prior year.
Stock Yds Bancorp Inc's ROE was 12.2% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.
Stock Yds Bancorp Inc spent $4.2M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 56.5% from the prior year.
Stock Yds Bancorp Inc invested $9.8M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 27.4% from the prior year.
SYBT Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $120.3M+4.6% | $115.0M+3.4% | $111.2M+0.8% | $110.3M+10.0% | $100.3M+3.9% | $96.5M+1.4% | $95.2M+7.1% | $88.9M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $43.2M+4.1% | $41.5M+2.2% | $40.6M+0.7% | $40.3M+5.4% | $38.3M+5.0% | $36.5M+9.8% | $33.2M+20.3% | $27.6M |
| Income Tax | $9.5M+6.1% | $8.9M+6.9% | $8.3M+12.1% | $7.5M-2.9% | $7.7M+8.5% | $7.1M+9.9% | $6.4M-15.9% | $7.6M |
| Net Income | $36.2M+6.5% | $34.0M+2.3% | $33.3M+5.0% | $31.7M+14.8% | $27.6M+6.6% | $25.9M+8.1% | $23.9M-11.6% | $27.1M |
| EPS (Diluted) | $1.23+7.0% | $1.15+1.8% | $1.13+5.6% | $1.07+13.8% | $0.94+6.8% | $0.88+7.3% | $0.82-10.9% | $0.92 |
SYBT Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $9.3B+1.1% | $9.2B+2.4% | $9.0B+1.5% | $8.9B+6.6% | $8.3B+2.4% | $8.1B-0.6% | $8.2B+3.4% | $7.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $194.1M0.0% | $194.1M0.0% | $194.1M0.0% | $194.1M0.0% | $194.1M0.0% | $194.1M0.0% | $194.1M0.0% | $194.1M |
| Total Liabilities | $8.3B+0.8% | $8.2B+2.3% | $8.0B+1.3% | $7.9B+6.8% | $7.4B+2.4% | $7.2B-0.9% | $7.3B+3.0% | $7.1B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $26.8M | N/A | $26.8M0.0% | $26.8M0.0% | $26.8M0.0% | $26.8M+0.2% | $26.7M+0.4% | $26.6M |
| Total Equity | $1.0B+3.5% | $1.0B+3.1% | $975.5M+3.7% | $940.5M+5.1% | $894.5M+2.3% | $874.7M+1.9% | $858.1M+6.3% | $806.9M |
| Retained Earnings | $648.0M+4.3% | $621.5M+4.1% | $597.2M+3.4% | $577.6M+6.9% | $540.3M+3.6% | $521.3M+2.9% | $506.3M+2.9% | $491.8M |
SYBT Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $38.2M-31.7% | $55.9M+182.7% | $19.8M+4.5% | $18.9M-63.0% | $51.1M+193.5% | $17.4M-42.5% | $30.3M-6.9% | $32.5M |
| Capital Expenditures | $3.1M+24.4% | $2.5M+26.4% | $1.9M-40.7% | $3.3M+1.1% | $3.2M+77.2% | $1.8M-16.6% | $2.2M+6.3% | $2.1M |
| Free Cash Flow | $35.2M-34.3% | $53.5M+199.8% | $17.8M+13.9% | $15.7M-67.3% | $47.9M+207.2% | $15.6M-44.5% | $28.1M-7.7% | $30.5M |
| Investing Cash Flow | $192.4M+203.0% | -$186.9M-1409.2% | -$12.4M+96.9% | -$399.2M-168.3% | -$148.8M-158.2% | -$57.6M+46.0% | -$106.7M+35.3% | -$164.9M |
| Financing Cash Flow | $74.2M-58.4% | $178.6M+69.6% | $105.3M-74.8% | $418.2M+194.9% | $141.8M+316.4% | -$65.5M-143.9% | $149.3M+34.4% | $111.1M |
| Dividends Paid | $9.4M+2.3% | $9.2M+0.9% | $9.1M+0.2% | $9.1M+3.5% | $8.8M-0.9% | $8.9M+1.1% | $8.8M0.0% | $8.8M |
| Share Buybacks | $173K-43.8% | $308K-80.8% | $1.6M+32.3% | $1.2M+2379.6% | $49K-97.0% | $1.6M+423.3% | $313K+15550.0% | $2K |
SYBT Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 30.1%+0.5pp | 29.6%-0.3pp | 29.9%+1.2pp | 28.7%+1.2pp | 27.5%+0.7pp | 26.8%+1.7pp | 25.1%-5.3pp | 30.5% |
| Return on Equity | 3.5%+0.1pp | 3.4%-0.0pp | 3.4%+0.0pp | 3.4%+0.3pp | 3.1%+0.1pp | 3.0%+0.2pp | 2.8%-0.6pp | 3.4% |
| Return on Assets | 0.4%+0.0pp | 0.4%0.0pp | 0.4%+0.0pp | 0.4%+0.0pp | 0.3%0.0pp | 0.3%+0.0pp | 0.3%-0.1pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.03-8.1 | 8.16+8.1 | 0.030.0 | 0.030.0 | 0.030.0 | 0.030.0 | 0.030.0 | 0.03 |
| FCF Margin | 29.2%-17.3pp | 46.5%+30.5pp | 16.1%+1.9pp | 14.2%-33.5pp | 47.7%+31.6pp | 16.1%-13.4pp | 29.5%-4.7pp | 34.3% |
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Frequently Asked Questions
What is Stock Yds Bancorp Inc's annual revenue?
Stock Yds Bancorp Inc (SYBT) reported $412.9M in total revenue for fiscal year 2024. This represents a 19.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Stock Yds Bancorp Inc's revenue growing?
Stock Yds Bancorp Inc (SYBT) revenue grew by 19.1% year-over-year, from $346.7M to $412.9M in fiscal year 2024.
Is Stock Yds Bancorp Inc profitable?
Yes, Stock Yds Bancorp Inc (SYBT) reported a net income of $114.5M in fiscal year 2024, with a net profit margin of 27.7%.
What is Stock Yds Bancorp Inc's earnings per share (EPS)?
Stock Yds Bancorp Inc (SYBT) reported diluted earnings per share of $3.89 for fiscal year 2024. This represents a 6.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Stock Yds Bancorp Inc's net profit margin?
Stock Yds Bancorp Inc (SYBT) had a net profit margin of 27.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Stock Yds Bancorp Inc pay dividends?
Yes, Stock Yds Bancorp Inc (SYBT) paid $1.22 per share in dividends during fiscal year 2024.
What is Stock Yds Bancorp Inc's return on equity (ROE)?
Stock Yds Bancorp Inc (SYBT) has a return on equity of 12.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Stock Yds Bancorp Inc's free cash flow?
Stock Yds Bancorp Inc (SYBT) generated $133.0M in free cash flow during fiscal year 2024. This represents a 34.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Stock Yds Bancorp Inc's operating cash flow?
Stock Yds Bancorp Inc (SYBT) generated $142.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Stock Yds Bancorp Inc's total assets?
Stock Yds Bancorp Inc (SYBT) had $8.9B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Stock Yds Bancorp Inc's capital expenditures?
Stock Yds Bancorp Inc (SYBT) invested $9.8M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Stock Yds Bancorp Inc buy back shares?
Yes, Stock Yds Bancorp Inc (SYBT) spent $4.2M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Stock Yds Bancorp Inc have outstanding?
Stock Yds Bancorp Inc (SYBT) had 29M shares outstanding as of fiscal year 2024.
What is Stock Yds Bancorp Inc's debt-to-equity ratio?
Stock Yds Bancorp Inc (SYBT) had a debt-to-equity ratio of 0.03 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Stock Yds Bancorp Inc's return on assets (ROA)?
Stock Yds Bancorp Inc (SYBT) had a return on assets of 1.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Stock Yds Bancorp Inc's Piotroski F-Score?
Stock Yds Bancorp Inc (SYBT) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Stock Yds Bancorp Inc's earnings high quality?
Stock Yds Bancorp Inc (SYBT) has an earnings quality ratio of 1.25x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Stock Yds Bancorp Inc?
Stock Yds Bancorp Inc (SYBT) scores 83 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.