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 (SYBT) Financials

SYBT

Trailing 12 months to June 30, 2026

Revenue $423.5M +13.0% YoY

Net Income $149.5M +16.5% YoY

EPS (Diluted) $5.02 +15.4% YoY

Free Cash Flow $147.3M +4.6% YoY

Market Cap $2.5B as of Sep 11, 2026

Price / Sales 5.8x on $423.5M revenue, trailing 12 months to June 30, 2026

Price / Earnings 16.4x on $149.5M net income, trailing 12 months to June 30, 2026

Price / Book 2.0x on $1.2B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 11, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 4, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SYBT SEC filings page.

Stock Yds Bancorp Inc (SYBT) reported $423.5M in revenue over the twelve months to Jun 30, 2026, up 13.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI SYBT FY2025 2026-09-05

The dominant mechanic is balance-sheet expansion: growing assets are producing more profit and cash without rising reported debt.

From FY2021 to FY2025, assets expanded 43.5% while net income expanded 87.8%, showing that growth was accompanied by better asset productivity rather than mere scale. Return on assets rose from 1.1% to 1.5%, a modest-looking shift that is meaningful for a balance-sheet-heavy business.

Operating cash flow increased from $102M to $166M, while free cash flow moved from $97.5M to $154M. The consistently narrow gap indicates that reported earnings are being converted into cash without a large reinvestment burden; cash conversion broadly agrees with profitability.

Equity increased from $676M to $1.08B as liabilities also grew, so expansion remains substantially liability-funded but with a thicker capital base. Meanwhile, debt-to-equity fell from 8.8x to 0.0x, indicating that reported long-term debt is not the main source of balance-sheet growth.

Financial Health Signals

Financial Health Score 54/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Stock Yds Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Stock Yds Bancorp Inc earned a return on assets of 1.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.3% the prior year. Earnings ranks banks on that return over three years, and Stock Yds Bancorp Inc scores 82/100 among other banks.

Growth

Stock Yds Bancorp Inc reported revenue of $397.3M in fiscal year 2025, against $352.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Stock Yds Bancorp Inc scores 51/100 among other banks.

Capital

Stock Yds Bancorp Inc funded 11.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.1B of equity against $9.5B of assets. Capital ranks banks on that cushion, and Stock Yds Bancorp Inc scores 50/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Stock Yds Bancorp Inc scores 83/100 on it among other banks.

Credit Quality

Not available for Stock Yds Bancorp Inc, and counted as zero in the overall score.

Stability

Stock Yds Bancorp Inc reported net income of $140.2M in fiscal year 2025, against $114.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Stock Yds Bancorp Inc scores 58/100 among other banks.

Piotroski F-Score Partial

6/7

Stock Yds Bancorp Inc passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 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

$114.6M

YoY+17.1%

QoQ+11.2%

5Y CAGR+14.8%

10Y CAGR+12.7%

Stock Yds Bancorp Inc generated $114.6M in revenue in Q2 2026. This represents an increase of 17.1% from the same quarter a year earlier. Against the prior quarter it is up 11.2%.

Net Income

$40.1M

YoY+17.7%

QoQ+9.5%

5Y CAGR+57.1%

10Y CAGR+14.8%

Stock Yds Bancorp Inc reported $40.1M in net income in Q2 2026. This represents an increase of 17.7% from the same quarter a year earlier. Against the prior quarter it is up 9.5%.

EPS (Diluted)

$1.31

YoY+13.9%

QoQ+5.6%

5Y CAGR+50.4%

10Y CAGR+11.3%

Stock Yds Bancorp Inc earned $1.31 per diluted share (EPS) in Q2 2026. This represents an increase of 13.9% from the same quarter a year earlier. Against the prior quarter it is up 5.6%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$55.1M

YoY+3.1%

QoQ+479.9%

5Y CAGR+24.1%

10Y CAGR+15.6%

Stock Yds Bancorp Inc generated $55.1M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 3.1% from the same quarter a year earlier. Against the prior quarter it is up 479.9%.

Cash & Debt

Debt $26.8M

QoQ0.0%

Stock Yds Bancorp Inc carried $26.8M in long-term debt as of Q2 2026; cash and equivalents are not reported for that period.

Dividends Per Share

$0.32

YoY+3.2%

QoQ0.0%

Stock Yds Bancorp Inc paid $0.32 per share in dividends in Q2 2026. This represents an increase of 3.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

31M

YoY+5.4%

QoQ+5.3%

5Y CAGR+3.2%

10Y CAGR+3.3%

Stock Yds Bancorp Inc had 31M shares outstanding in Q2 2026. This represents an increase of 5.4% from the same quarter a year earlier. Against the prior quarter it is up 5.3%.

Margins & Returns

Net Margin

35.0%

YoY+0.2pp

QoQ-0.6pp

5Y change+27.7pp

10Y change+5.7pp

Stock Yds Bancorp Inc's net profit margin was 35.0% in Q2 2026, showing the share of revenue converted to profit. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.6 percentage points.

Return on Equity

3.2%

YoY-0.2pp

QoQ-0.1pp

5Y change+2.6pp

10Y change-0.1pp

Stock Yds Bancorp Inc's ROE was 3.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$189K

YoY-38.6%

QoQ-85.2%

Stock Yds Bancorp Inc spent $189K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 38.6% from the same quarter a year earlier. Against the prior quarter it is down 85.2%.

Capital Expenditures

$2.9M

YoY+16.1%

QoQ+4.0%

5Y CAGR+19.1%

10Y CAGR-2.0%

Stock Yds Bancorp Inc invested $2.9M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 16.1% from the same quarter a year earlier. Against the prior quarter it is up 4.0%.

R&D Spending

Not reported for Q2 2026.

SYBT Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SYBT quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$423.5M	$397.3M+12.8%	$352.3M+3.7%	$339.6M+5.3%	$322.5M+36.1%	$236.9M+26.1%	$187.8M+7.5%	$174.8M+9.5%	$159.6M+7.8%	$148.2M+5.7%	$140.2M+9.3%	$128.3M+4.4%	$122.9M+5.7%	$116.3M+3.5%	$112.4M+8.1%	$104.0M
SG&A Expenses	$140.0M	$131.8M+8.8%	$121.1M+9.8%	$110.3M+6.9%	$103.2M-27.5%	$142.3M+40.0%	$101.7M+3.6%	$98.1M+9.8%	$89.4M-1.1%	$90.4M+83.8%	$49.2M+10.0%	$44.7M0.0%	$44.7M+8.6%	$41.1M+8.4%	$38.0M+14.6%	$33.1M
Interest Expense	$164.8M	$167.3M+7.3%	$155.8M+56.8%	$99.4M+443.9%	$18.3M+204.4%	$6.0M-49.8%	$11.9M-47.0%	$22.5M+46.8%	$15.4M+111.9%	$7.2M+47.3%	$4.9M+1.4%	$4.9M-9.0%	$5.3M-41.9%	$9.2M-29.2%	$13.0M-15.4%	$15.3M
Income Tax	$41.0M	$38.0M+27.6%	$29.8M-1.2%	$30.2M+11.0%	$27.2M+31.0%	$20.8M+133.9%	$8.9M-7.5%	$9.6M-20.3%	$12.0M-29.8%	$17.1M+12.4%	$15.2M-10.0%	$16.9M+10.8%	$15.3M+36.1%	$11.2M+16.5%	$9.6M+17.6%	$8.2M
Net Income	$149.5M	$140.2M+22.4%	$114.5M+6.3%	$107.7M+15.5%	$93.3M+25.0%	$74.6M+26.8%	$58.9M-10.9%	$66.1M+19.0%	$55.5M+45.9%	$38.0M-7.3%	$41.0M+10.3%	$37.2M+6.8%	$34.8M+28.2%	$27.2M+5.3%	$25.8M+9.3%	$23.6M
EPS (Basic)	N/A	$4.77+22.0%	$3.91+6.0%	$3.69+13.9%	$3.24+8.0%	$3.00+14.9%	$2.61-10.6%	$2.92+19.2%	$2.45+45.0%	$1.69-8.2%	$1.84+9.5%	$1.68+5.7%	$1.59-16.8%	$1.91+2.7%	$1.86+8.8%	$1.71
EPS (Diluted)	$5.02	$4.75+22.1%	$3.89+6.0%	$3.67+14.3%	$3.21+8.1%	$2.97+14.7%	$2.59-10.4%	$2.89+19.4%	$2.42+45.8%	$1.66-7.8%	$1.80+9.1%	$1.65+5.1%	$1.57	$1.89+2.2%	$1.85+8.2%	$1.71
Diluted Shares (Avg)	N/A	30M+0.3%	29M+0.3%	29M+1.5%	29M+15.0%	25M+10.5%	23M-0.4%	23M-0.3%	23M-0.2%	23M+0.8%	23M+1.5%	22M+1.4%	22M	14M+3.0%	14M+0.7%	14M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$114.6M+17.1%	$103.0M+10.1%	$104.4M+11.7%	$101.5M+13.1%	$97.8M+14.2%	$93.5M+12.2%	$93.5M+8.1%	$89.8M+6.6%
SG&A Expenses	$37.1M+13.9%	$35.3M+11.4%	$33.8M+8.5%	$33.7M+11.8%	$32.6M+9.7%	$31.7M+5.4%	$31.1M+213.2%	$30.2M-35.4%
Interest Expense	$40.5M-2.5%	$39.2M-3.4%	$41.9M+3.9%	$43.2M+6.1%	$41.5M+8.5%	$40.6M+11.3%	$40.3M+21.4%	$40.7M+47.6%
Income Tax	$10.7M+20.1%	$9.6M+14.4%	$11.3M+51.8%	$9.5M+23.9%	$8.9M+16.3%	$8.3M+18.1%	$7.5M+15.9%	$7.6M0.0%
Net Income	$40.1M+17.7%	$36.6M+10.0%	$36.6M+15.5%	$36.2M+23.4%	$34.0M+23.3%	$33.3M+28.5%	$31.7M+32.4%	$29.4M+8.4%
EPS (Basic)	$1.32+13.8%	$1.25+10.6%	$1.24+14.8%	$1.23+23.0%	$1.16+23.4%	$1.13+27.0%	$1.08+31.7%	$1.00+7.5%
EPS (Diluted)	$1.31+13.9%	$1.24+9.7%	$1.24+15.9%	$1.23+23.0%	$1.15+22.3%	$1.13+28.4%	$1.07+32.1%	$1.00+8.7%
Diluted Shares (Avg)	31M+3.6%	30M0.0%	N/A	30M+0.3%	30M+0.4%	30M+0.5%	N/A	29M+0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

SYBT Balance Sheet

SYBT quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$9.5B+7.6%	$8.9B+8.5%	$8.2B+9.0%	$7.5B+12.8%	$6.6B+44.2%	$4.6B+23.7%	$3.7B+12.8%	$3.3B+2.0%	$3.2B+6.6%	$3.0B+7.9%	$2.8B+9.9%	$2.6B+7.3%	$2.4B+11.2%	$2.1B+4.6%	$2.1B
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	$249.7M+25.5%	$198.9M+42.9%	$139.2M+190.3%	$48.0M-53.8%	$103.8M+39.9%	$74.2M+4.9%	$70.8M+4.5%	$67.7M+23.3%	$54.9M
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$194.1M0.0%	$194.1M0.0%	$194.1M0.0%	$194.1M+42.9%	$135.8M+985.5%	$12.5M0.0%	$12.5M+1734.8%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K
Total Liabilities	$8.5B+6.8%	$7.9B+8.4%	$7.3B+8.6%	$6.7B+12.8%	$6.0B+43.2%	$4.2B+25.6%	$3.3B+13.0%	$2.9B+1.0%	$2.9B+6.6%	$2.7B+7.7%	$2.5B+9.8%	$2.3B+6.7%	$2.2B+11.1%	$1.9B+4.2%	$1.9B
Long-Term Debt	$26.8M0.0%	$26.8M+0.2%	$26.7M+1.5%	$26.3M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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+8.5%	$406.3M+10.9%	$366.5M+9.8%	$333.6M+6.3%	$313.9M+9.5%	$286.5M+10.2%	$259.9M+13.3%	$229.4M+11.9%	$205.1M+9.3%	$187.7M
Retained Earnings	$675.1M+16.9%	$577.6M+14.1%	$506.3M+15.1%	$439.9M+12.4%	$391.2M+10.6%	$353.6M+6.0%	$333.7M+11.9%	$298.2M+11.6%	$267.2M+5.8%	$252.4M+9.2%	$231.1M+10.3%	$209.6M+11.0%	$188.8M+8.1%	$174.7M+8.7%	$160.7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$10.4B+12.6%	$9.5B+5.2%	$9.5B+7.6%	$9.3B+10.3%	$9.2B+10.7%	$9.0B+10.8%	$8.9B+8.5%	$8.4B+6.8%
Goodwill	$238.3M+22.8%	$194.1M0.0%	$194.1M0.0%	$194.1M0.0%	$194.1M0.0%	$194.1M0.0%	$194.1M0.0%	$194.1M0.0%
Total Liabilities	$9.1B+11.2%	$8.4B+4.3%	$8.5B+6.8%	$8.3B+10.2%	$8.2B+10.5%	$8.0B+10.7%	$7.9B+8.4%	$7.5B+5.7%
Long-Term Debt	$26.8M	$26.8M0.0%	$26.8M0.0%	$26.8M0.0%	N/A	$26.8M0.0%	$26.8M+0.2%	$26.8M+0.6%
Total Equity	$1.2B+23.9%	$1.1B+13.1%	$1.1B+14.4%	$1.0B+11.5%	$1.0B+12.4%	$975.5M+11.5%	$940.5M+9.6%	$934.1M+15.8%
Retained Earnings	$728.0M+17.1%	$698.1M+16.9%	$675.1M+16.9%	$648.0M+16.2%	$621.5M+15.0%	$597.2M+14.6%	$577.6M+14.1%	$557.5M+13.4%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

SYBT Cash Flow Statement

SYBT quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$160.6M	$166.0M+16.2%	$142.9M+33.9%	$106.7M-1.9%	$108.7M+6.5%	$102.1M+32.4%	$77.1M+32.0%	$58.4M-11.3%	$65.9M+22.8%	$53.7M-15.2%	$63.3M+46.5%	$43.2M+8.2%	$39.9M-31.6%	$58.3M+294.2%	$14.8M-66.7%	$44.4M
Depreciation & Amortization	N/A	$7.8M-41.6%	$13.4M-39.1%	$21.9M+6.2%	$20.7M+82.3%	$11.3M+16.3%	$9.7M+99.7%	$4.9M-15.6%	$5.8M-57.6%	$13.6M+22.4%	$11.1M+61.4%	$6.9M-6.9%	$7.4M-7.0%	$8.0M+60.5%	$5.0M+23.5%	$4.0M
Stock-Based Compensation	N/A	$4.4M+16.8%	$3.8M-15.5%	$4.5M+1.6%	$4.4M-3.7%	$4.6M+39.9%	$3.3M-8.8%	$3.6M-11.1%	$4.0M+39.2%	$2.9M+16.9%	$2.5M+15.9%	$2.1M+5.9%	$2.0M+3.9%	$1.9M+31.0%	$1.5M+27.1%	$1.2M
Capital Expenditures	$13.2M	$12.0M+22.3%	$9.8M+27.4%	$7.7M-58.1%	$18.4M+302.6%	$4.6M-16.1%	$5.5M+7.1%	$5.1M-27.8%	$7.1M+153.3%	$2.8M-56.0%	$6.3M+82.9%	$3.5M+37.0%	$2.5M+6.8%	$2.4M-28.4%	$3.3M-60.0%	$8.2M
Free Cash Flow	$147.3M	$154.0M+15.8%	$133.0M+34.4%	$99.0M+9.6%	$90.3M-7.4%	$97.5M+36.1%	$71.7M+34.4%	$53.3M-9.3%	$58.8M+15.6%	$50.9M-10.6%	$56.9M+43.4%	$39.7M+6.3%	$37.4M-33.2%	$56.0M+386.9%	$11.5M-68.2%	$36.2M
Investing Cash Flow	$79.3M	-$106.5M+84.3%	-$677.1M-59.7%	-$424.0M-10.3%	-$384.4M-387.4%	-$78.9M+90.2%	-$804.7M-393.2%	-$163.2M-1310.3%	-$11.6M+89.9%	-$114.7M+60.4%	-$289.6M-27.5%	-$227.1M	N/A	N/A	N/A	N/A
Financing Cash Flow	$151.5M	$535.8M-4.2%	$559.3M+34.5%	$415.9M+180.3%	-$518.1M-183.6%	$620.0M-22.1%	$795.8M+411.7%	$155.5M+2795.0%	$5.4M-96.5%	$152.3M-10.6%	$170.4M-20.2%	$213.5M	N/A	N/A	N/A	N/A
Dividends Paid	$38.2M	$37.1M+3.5%	$35.8M+3.6%	$34.6M+3.8%	$33.3M+18.1%	$28.2M+15.2%	$24.5M+4.0%	$23.5M+8.2%	$21.8M+20.4%	$18.1M+12.3%	$16.1M+13.1%	$14.2M+10.1%	$12.9M+10.7%	$11.7M+9.2%	$10.7M+7.7%	$9.9M
Share Buybacks	$1.6M	$2.1M-50.4%	$4.2M+56.5%	$2.7M-43.9%	$4.8M+25.6%	$3.8M+68.9%	$2.3M-80.8%	$11.8M+489.7%	$2.0M-16.1%	$2.4M+24.6%	$1.9M+108.9%	$918K+49.0%	$616K+86.1%	$331K+61.5%	$205K+22.8%	$167K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$58.0M+3.7%	$12.2M-38.1%	$52.1M+175.2%	$38.2M-31.0%	$55.9M+9.4%	$19.8M+13.6%	$18.9M-37.5%	$55.4M+70.3%
Depreciation & Amortization	$3.6M+364.1%	$3.0M+138.4%	$3.9M+31.1%	$1.9M-44.5%	$767K-78.2%	$1.3M-63.5%	$2.9M-55.3%	$3.4M-25.7%
Stock-Based Compensation	$1.3M+12.3%	$1.3M+11.6%	N/A	$1.1M+20.7%	$1.1M+11.2%	$1.2M+22.4%	N/A	$922K-10.7%
Capital Expenditures	$2.9M+16.1%	$2.7M+41.1%	$4.6M+40.0%	$3.1M+103.9%	$2.5M-24.3%	$1.9M+6.2%	$3.3M+49.3%	$1.5M-27.4%
Free Cash Flow	$55.1M+3.1%	$9.5M-46.7%	$47.5M+203.5%	$35.2M-34.8%	$53.5M+11.7%	$17.8M+14.5%	$15.7M-44.3%	$53.9M+77.0%
Investing Cash Flow	$148.9M+179.7%	-$162.3M-1210.8%	-$99.7M+75.0%	$192.4M+369.3%	-$186.9M-25.6%	-$12.4M+78.5%	-$399.2M-274.3%	-$71.4M+56.7%
Financing Cash Flow	-$30.8M-117.2%	-$69.6M-166.1%	$177.7M-57.5%	$74.2M+14.6%	$178.6M+25.9%	$105.3M+260.7%	$418.2M+180.1%	$64.8M-41.7%
Dividends Paid	$9.9M+7.8%	$9.5M+4.4%	$9.4M+3.3%	$9.4M+3.5%	$9.2M+4.6%	$9.1M+2.8%	$9.1M+3.7%	$9.1M+3.6%
Share Buybacks	$189K-38.6%	$1.3M-20.4%	$2K-99.8%	$173K-86.8%	$308K+528.6%	$1.6M-1.8%	$1.2M+288.2%	$1.3M+65650.0%

SYBT Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SYBT quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	35.3%+2.8pp	32.5%+0.8pp	31.7%+2.8pp	28.9%-2.6pp	31.5%+0.2pp	31.3%-6.5pp	37.8%+3.0pp	34.8%+9.1pp	25.7%-3.6pp	29.3%+0.3pp	29.0%+0.7pp	28.3%+5.0pp	23.4%+0.4pp	22.9%+0.3pp	22.7%
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%-2.9pp	16.3%+1.1pp	15.2%+3.7pp	11.4%-1.7pp	13.1%+0.1pp	13.0%-0.4pp	13.4%+1.6pp	11.8%-0.7pp	12.6%0.0pp	12.6%
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%-0.5pp	1.8%+0.1pp	1.7%+0.5pp	1.2%-0.2pp	1.4%0.0pp	1.3%0.0pp	1.4%+0.2pp	1.1%-0.1pp	1.2%+0.1pp	1.1%
Debt-to-Equity	0.020.0x	0.030.0x	0.030.0x	0.03-8.8x	8.83-0.6x	9.46+1.3x	8.17+0.2x	8.01-0.7x	8.710.0x	8.68-0.1x	8.830.0x	8.87-0.5x	9.41-0.1x	9.48-0.5x	9.94
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	38.8%+1.0pp	37.8%+8.6pp	29.1%+1.1pp	28.0%-13.2pp	41.2%+3.0pp	38.2%+7.6pp	30.5%-6.3pp	36.9%+2.5pp	34.4%-6.3pp	40.6%+9.7pp	31.0%+0.6pp	30.4%-17.7pp	48.1%+37.9pp	10.2%-24.6pp	34.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	35.0%+0.2pp	35.5%-0.1pp	35.1%+1.2pp	35.7%+3.0pp	34.8%+2.6pp	35.6%+4.5pp	33.9%+6.2pp	32.7%+0.5pp
Return on Equity	3.2%-0.2pp	3.3%-0.1pp	3.4%0.0pp	3.5%+0.3pp	3.4%+0.3pp	3.4%+0.4pp	3.4%+0.6pp	3.1%-0.2pp
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%+0.1pp	0.4%+0.1pp	0.4%0.0pp
Debt-to-Equity	0.02-8.1x	0.020.0x	0.020.0x	0.030.0x	8.16+8.1x	0.030.0x	0.030.0x	0.030.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	48.1%-6.5pp	9.2%-9.8pp	45.5%+28.8pp	34.6%-25.4pp	54.7%-1.2pp	19.1%+0.4pp	16.8%-15.8pp	60.0%+23.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Stock Yds Bancorp Inc SYBT	FY2025	$397.3M	$140.2M	35.3%	$2.5B	54/100
First Merchants Corp FRME	FY2025	$662.9M	$226.0M	34.1%	$2.6B	65/100
First Financial Bancorp FFBC	FY2025	$899.5M	$256K	0.0%	$3.4B	52/100
Pacific Premier Bancorp PPBI	FY2024	$619.8M	$158.8M	25.6%	$2.4B	46/100
Bank of Hi Corp BOH	FY2025	$716.6M	$205.9M	28.7%	$3.0B	44/100
Trustmark Corp TRMK	FY2025	$799.8M	$224.1M	28.0%	$2.8B	38/100

Where Stock Yds Bancorp Inc Ranks

Frequently Asked Questions

What is Stock Yds Bancorp Inc's annual revenue?

Stock Yds Bancorp Inc (SYBT) reported $397.3M in total revenue for fiscal year 2025. This represents a 12.8% 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 12.8% year-over-year, from $352.3M to $397.3M 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 35.3%.

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

Stock Yds Bancorp Inc (SYBT) had a net profit margin of 35.3% 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 P/E ratio?

Stock Yds Bancorp Inc (SYBT) trades at 16.4x earnings, its market capitalization divided by net income of $149.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.5B as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Stock Yds Bancorp Inc's price-to-sales ratio?

Stock Yds Bancorp Inc (SYBT) trades at 5.8x sales, its market capitalization divided by revenue of $423.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.5B as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Stock Yds Bancorp Inc's Piotroski F-Score?

Stock Yds Bancorp Inc (SYBT) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 54 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.