What is Stock Yds Bancorp Inc's earnings per share (EPS)?

Stock Yds Bancorp Inc (SYBT) reported diluted earnings per share of $4.75 for fiscal year 2025. This represents a 22.1% 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.

Stock Yds Bancorp Inc Financials

SYBT

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Stock Yds Bancorp Inc (SYBT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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

Financial Profile 74/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Stock Yds Bancorp Inc's revenue grew 13.3% year-over-year to $467.6M, a solid pace of expansion. This earns a growth score of 55/100.

Leverage

100

Stock Yds Bancorp Inc carries a low D/E ratio of 0.02, meaning only $0.02 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.

Cash Flow

100

Stock Yds Bancorp Inc converts 32.9% of revenue into free cash flow ($154.0M). This strong cash generation earns a score of 100/100.

Returns

Stock Yds Bancorp Inc's ROE of 13.0% shows moderate profitability relative to equity, earning a score of 40/100. This is up from 12.2% the prior year.

Piotroski F-Score Neutral

6/9

Stock Yds Bancorp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.18x

For every $1 of reported earnings, Stock Yds Bancorp Inc generates $1.18 in operating cash flow ($166.0M OCF vs $140.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$467.6M

YoY+13.3%

5Y CAGR+82.0%

10Y CAGR+17.5%

Stock Yds Bancorp Inc generated $467.6M in revenue in fiscal year 2025. This represents an increase of 13.3% from the prior year.

EBITDA

N/A

Net Income

$140.2M

YoY+22.4%

5Y CAGR+18.9%

10Y CAGR+14.2%

Stock Yds Bancorp Inc reported $140.2M in net income in fiscal year 2025. This represents an increase of 22.4% from the prior year.

EPS (Diluted)

$4.75

YoY+22.1%

5Y CAGR+12.9%

10Y CAGR+11.2%

Stock Yds Bancorp Inc earned $4.75 per diluted share (EPS) in fiscal year 2025. This represents an increase of 22.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$154.0M

YoY+15.8%

5Y CAGR+16.5%

10Y CAGR+14.5%

Stock Yds Bancorp Inc generated $154.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 15.8% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$1.26

YoY+3.3%

10Y CAGR+7.0%

Stock Yds Bancorp Inc paid $1.26 per share in dividends in fiscal year 2025. This represents an increase of 3.3% from the prior year.

Shares Outstanding

29M

YoY+0.1%

5Y CAGR+5.4%

10Y CAGR+7.0%

Stock Yds Bancorp Inc had 29M shares outstanding in fiscal year 2025. This represents an increase of 0.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

30.0%

YoY+2.2pp

5Y CAGR-221.5pp

10Y CAGR-9.9pp

Stock Yds Bancorp Inc's net profit margin was 30.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.2 percentage points from the prior year.

Return on Equity

13.0%

YoY+0.8pp

5Y CAGR-0.3pp

10Y CAGR+0.1pp

Stock Yds Bancorp Inc's ROE was 13.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$2.1M

YoY-50.4%

5Y CAGR-1.6%

10Y CAGR+8.6%

Stock Yds Bancorp Inc spent $2.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 50.4% from the prior year.

Capital Expenditures

$12.0M

YoY+22.3%

5Y CAGR+17.1%

10Y CAGR+13.3%

Stock Yds Bancorp Inc invested $12.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 22.3% from the prior year.

SYBT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$467.6M+13.3%	$412.9M+19.1%	$346.7M+37.8%	$251.7M+42.1%	$177.1M+656.5%	$23.4M
Cost of Revenue	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
R&D Expenses	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
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$167.3M+7.3%	$155.8M+56.8%	$99.4M+443.9%	$18.3M+204.4%	$6.0M-49.8%	$11.9M
Income Tax	$38.0M+27.6%	$29.8M-1.2%	$30.2M+11.0%	$27.2M+31.0%	$20.8M+133.9%	$8.9M
Net Income	$140.2M+22.4%	$114.5M+6.3%	$107.7M+15.5%	$93.3M+25.0%	$74.6M+26.8%	$58.9M
EPS (Diluted)	$4.75+22.1%	$3.89+6.0%	$3.67+14.3%	$3.21+8.1%	$2.97+14.7%	$2.59

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$121.2M+0.7%	$120.3M+4.6%	$115.0M+3.4%	$111.2M+0.8%	$110.3M+4.3%	$105.7M+5.4%	$100.3M+3.9%	$96.5M
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	$41.9M-3.1%	$43.2M+4.1%	$41.5M+2.2%	$40.6M+0.7%	$40.3M-1.0%	$40.7M+6.4%	$38.3M+5.0%	$36.5M
Income Tax	$11.3M+19.5%	$9.5M+6.1%	$8.9M+6.9%	$8.3M+12.1%	$7.5M-2.5%	$7.6M-0.4%	$7.7M+8.5%	$7.1M
Net Income	$36.6M+1.0%	$36.2M+6.5%	$34.0M+2.3%	$33.3M+5.0%	$31.7M+7.9%	$29.4M+6.4%	$27.6M+6.6%	$25.9M
EPS (Diluted)	N/A	$1.23+7.0%	$1.15+1.8%	$1.13	N/A	$1.00+6.4%	$0.94+6.8%	$0.88

SYBT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$9.5B+7.6%	$8.9B+8.5%	$8.2B+9.0%	$7.5B+12.8%	$6.6B+44.2%	$4.6B
Current Assets	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
Inventory	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
Goodwill	$194.1M0.0%	$194.1M0.0%	$194.1M0.0%	$194.1M+42.9%	$135.8M+985.5%	$12.5M
Total Liabilities	$8.5B+6.8%	$7.9B+8.4%	$7.3B+8.6%	$6.7B+12.8%	$6.0B+43.2%	$4.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$26.8M0.0%	$26.8M+0.2%	$26.7M+1.5%	$26.3M	N/A	N/A
Total Equity	$1.1B+14.4%	$940.5M+9.6%	$858.1M+12.8%	$760.4M+12.5%	$675.9M+53.4%	$440.7M
Retained Earnings	$675.1M+16.9%	$577.6M+14.1%	$506.3M+15.1%	$439.9M+12.4%	$391.2M+10.6%	$353.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$9.5B+2.5%	$9.3B+1.1%	$9.2B+2.4%	$9.0B+1.5%	$8.9B+5.1%	$8.4B+1.5%	$8.3B+2.4%	$8.1B
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	$8.5B+2.3%	$8.3B+0.8%	$8.2B+2.3%	$8.0B+1.3%	$7.9B+5.6%	$7.5B+1.1%	$7.4B+2.4%	$7.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$26.8M0.0%	$26.8M	N/A	$26.8M0.0%	$26.8M0.0%	$26.8M0.0%	$26.8M0.0%	$26.8M
Total Equity	$1.1B+3.3%	$1.0B+3.5%	$1.0B+3.1%	$975.5M+3.7%	$940.5M+0.7%	$934.1M+4.4%	$894.5M+2.3%	$874.7M
Retained Earnings	$675.1M+4.2%	$648.0M+4.3%	$621.5M+4.1%	$597.2M+3.4%	$577.6M+3.6%	$557.5M+3.2%	$540.3M+3.6%	$521.3M

SYBT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$166.0M+16.2%	$142.9M+33.9%	$106.7M-1.9%	$108.7M+6.5%	$102.1M+32.4%	$77.1M
Capital Expenditures	$12.0M+22.3%	$9.8M+27.4%	$7.7M-58.1%	$18.4M+302.6%	$4.6M-16.1%	$5.5M
Free Cash Flow	$154.0M+15.8%	$133.0M+34.4%	$99.0M+9.6%	$90.3M-7.4%	$97.5M+36.1%	$71.7M
Investing Cash Flow	-$106.5M+84.3%	-$677.1M-59.7%	-$424.0M-10.3%	-$384.4M-387.4%	-$78.9M+90.2%	-$804.7M
Financing Cash Flow	$535.8M-4.2%	$559.3M+34.5%	$415.9M+180.3%	-$518.1M-183.6%	$620.0M-22.1%	$795.8M
Dividends Paid	$37.1M+3.5%	$35.8M+3.6%	$34.6M+3.8%	$33.3M+18.1%	$28.2M+15.2%	$24.5M
Share Buybacks	$2.1M-50.4%	$4.2M+56.5%	$2.7M-43.9%	$4.8M+25.6%	$3.8M+68.9%	$2.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$52.1M+36.4%	$38.2M-31.7%	$55.9M+182.7%	$19.8M+4.5%	$18.9M-65.8%	$55.4M+8.4%	$51.1M+193.5%	$17.4M
Capital Expenditures	$4.6M+50.2%	$3.1M+24.4%	$2.5M+26.4%	$1.9M-40.7%	$3.3M+118.8%	$1.5M-53.8%	$3.2M+77.2%	$1.8M
Free Cash Flow	$47.5M+35.2%	$35.2M-34.3%	$53.5M+199.8%	$17.8M+13.9%	$15.7M-71.0%	$53.9M+12.6%	$47.9M+207.2%	$15.6M
Investing Cash Flow	-$99.7M-151.8%	$192.4M+203.0%	-$186.9M-1409.2%	-$12.4M+96.9%	-$399.2M-458.8%	-$71.4M+52.0%	-$148.8M-158.2%	-$57.6M
Financing Cash Flow	$177.7M+139.3%	$74.2M-58.4%	$178.6M+69.6%	$105.3M-74.8%	$418.2M+545.9%	$64.8M-54.3%	$141.8M+316.4%	-$65.5M
Dividends Paid	$9.4M-0.1%	$9.4M+2.3%	$9.2M+0.9%	$9.1M+0.2%	$9.1M+0.2%	$9.1M+3.4%	$8.8M-0.9%	$8.9M
Share Buybacks	$2K-98.8%	$173K-43.8%	$308K-80.8%	$1.6M+32.3%	$1.2M-7.6%	$1.3M+2583.7%	$49K-97.0%	$1.6M

SYBT Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	30.0%+2.2pp	27.7%-3.3pp	31.1%-6.0pp	37.1%-5.1pp	42.1%-209.4pp	251.5%
Return on Equity	13.0%+0.8pp	12.2%-0.4pp	12.6%+0.3pp	12.3%+1.2pp	11.0%-2.3pp	13.4%
Return on Assets	1.5%+0.2pp	1.3%-0.0pp	1.3%+0.1pp	1.2%+0.1pp	1.1%-0.2pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.020.0	0.030.0	0.030.0	0.03-8.8	8.83-0.6	9.46
FCF Margin	32.9%+0.7pp	32.2%+3.7pp	28.5%-7.3pp	35.9%-19.2pp	55.1%-251.1pp	306.2%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	30.2%+0.1pp	30.1%+0.5pp	29.6%-0.3pp	29.9%+1.2pp	28.7%+1.0pp	27.8%+0.3pp	27.5%+0.7pp	26.8%
Return on Equity	3.4%-0.1pp	3.5%+0.1pp	3.4%-0.0pp	3.4%+0.0pp	3.4%+0.2pp	3.1%+0.0pp	3.1%+0.1pp	3.0%
Return on Assets	0.4%0.0pp	0.4%+0.0pp	0.4%0.0pp	0.4%+0.0pp	0.4%0.0pp	0.4%+0.0pp	0.3%0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.020.0	0.03-8.1	8.16+8.1	0.030.0	0.030.0	0.030.0	0.030.0	0.03
FCF Margin	39.2%+10.0pp	29.2%-17.3pp	46.5%+30.5pp	16.1%+1.9pp	14.2%-36.8pp	51.0%+3.3pp	47.7%+31.6pp	16.1%

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Frequently Asked Questions

What is Stock Yds Bancorp Inc's annual revenue?

Stock Yds Bancorp Inc (SYBT) reported $467.6M in total revenue for fiscal year 2025. This represents a 13.3% 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 13.3% year-over-year, from $412.9M to $467.6M in fiscal year 2025.

Is Stock Yds Bancorp Inc profitable?

Yes, Stock Yds Bancorp Inc (SYBT) reported a net income of $140.2M in fiscal year 2025, with a net profit margin of 30.0%.

What is Stock Yds Bancorp Inc's net profit margin?

Stock Yds Bancorp Inc (SYBT) had a net profit margin of 30.0% in fiscal year 2025, 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 $1.26 per share in dividends during fiscal year 2025.

What is Stock Yds Bancorp Inc's return on equity (ROE)?

Stock Yds Bancorp Inc (SYBT) has a return on equity of 13.0% for fiscal year 2025, 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 $154.0M in free cash flow during fiscal year 2025. This represents a 15.8% 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 $166.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Stock Yds Bancorp Inc's total assets?

Stock Yds Bancorp Inc (SYBT) had $9.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Stock Yds Bancorp Inc's capital expenditures?

Stock Yds Bancorp Inc (SYBT) invested $12.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Stock Yds Bancorp Inc buy back shares?

Yes, Stock Yds Bancorp Inc (SYBT) spent $2.1M on share buybacks during fiscal year 2025, 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 2025.

What is Stock Yds Bancorp Inc's debt-to-equity ratio?

Stock Yds Bancorp Inc (SYBT) had a debt-to-equity ratio of 0.02 as of fiscal year 2025, 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 1.5% for fiscal year 2025, 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 6 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 1.18x, 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 74 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.