Short answer
Stock Yards Bancorp, Inc. (SYBT) filed its fiscal 2025 10-K annual report with the SEC on Feb 26, 2026. It reported revenue of $468M (+13.3% year over year) and net income of $140M.
- Top risk flagged: Regulatory risk from changes in laws, regulations, or their interpretation affecting Bancorp's operations
FY2025 key financial metrics · XBRL
- Revenue
- $468M
- +13.3% YoY
- Net income
- $140M
- +22.4% YoY
- EPS (diluted)
- $4.75
- +22.1% YoY
- ROE
- 13.0%
- +0.8 pp YoY
- Operating cash flow
- $166M
- +16.2% YoY
Source: XBRL data from the Stock Yards Bancorp, Inc. (SYBT) FY2025 10-K on SEC EDGAR. USD.
Stock Yards Bancorp, Inc. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business: Community banking via Stock Yards Bank & Trust offering loan, deposit, wealth management, and trust services across KY, IN, OH
- Emphasis on Wealth Management & Trust (WM&T) segment, largest source of non-interest income at 44% of total non-interest income in 2025
- Acquisition integration impacts: Commonwealth Bancshares (Delaware trusts) and Kentucky Bancshares (Nevada captive insurance dissolved in 2023)
- Net interest income grew to 76% of total revenues in 2025, up from 73% in prior two years, highlighting increased reliance on interest income
- IRS finalized regulations in 2025 preserved captive insurance tax status but led to dissolution, unique tax-related event this year
Management Discussion & Analysis
- Profitability or margin figures not included
- Segment performance details absent from provided content
- No cash flow, buybacks, dividends, or capex information given
- Forward-looking outlook and risks not mentioned in excerpt
Risk Factors
- Regulatory risk from changes in laws, regulations, or their interpretation affecting Bancorp's operations
- Macroeconomic threat from inflation, recession, and related fiscal or monetary policy changes impacting economic conditions
- Operational risk from potential failures or disruptions in Bancorp's financial, technology, data processing, or third-party systems
- Competitive risk from changes in technology implemented by Bancorp, counterparties, or competitors impacting market positioning
- Financial risk due to potential inaccuracies in ACL estimates for loans and off-balance sheet credit exposures affecting asset quality
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