Stock Yards Bancorp, Inc. (SYBT) FY2025 10-K Annual Report
Stock Yards Bancorp, Inc. (SYBT) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 26, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Stock Yards Bancorp, Inc. FY2025 10-K Analysis
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
- • Revenue and YoY change not disclosed in provided text
- • 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
Stock Yards Bancorp, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$468M
▲ +13.3% YoY
Net Income
$140M
▲ +22.4% YoY
Net Margin
30.0%
▲ +223bp YoY
ROE
13.0%
▲ +85bp YoY
Total Assets
$9.5B
▲ +7.6% YoY
EPS (Diluted)
$4.75
▲ +22.1% YoY
Operating Cash Flow
$166M
▲ +16.2% YoY
Source: XBRL data from Stock Yards Bancorp, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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