Stock Yards Bancorp Inc
syb.comWhat Do They Do?
Provides loans and deposit services to individual consumers and businesses, plus investment management and trust services to businesses and corporations.
10-K for FY2025, filed Feb 26, 2026
How Do They Make Money?
The bank earns interest on loans and investments after paying interest on deposits, and collects fees for banking and wealth services. Some fees are charged when transactions happen, others monthly; wealth fees depend on investment values and are collected mainly the following month.
10-K for FY2025, filed Feb 26, 2026As is the case with most banks, our primary revenue sources are net interest income and fee income from various financial services provided…View ↗
Fee income, or non-interest income, is a significant component of our business. Non-interest income represented 24% of total revenues for…View ↗
WM&T provides customers fiduciary and investment management services as agreed upon in asset management contracts. The contracts require…View ↗
Bancorp earns fees from its deposit customers for transaction-based, account management and overdraft services. Transaction-based fees…View ↗
Debit and credit card revenue primarily consists of debit and credit card interchange income. Interchange income represents fees assessed…View ↗
Treasury management transaction fees are recognized at the time the transaction is executed, as that is when the company fulfills the…View ↗
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10-K for FY2025, filed Feb 26, 2026
FY2025 revenue by reportable segment ↗
$467.6M
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10-K for FY2025, filed Feb 26, 2026
$467.6M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Commercial Banking
|
100% |
Commercial Banking, FY2025
$466.5M Sources
|
|
|
Investment Management and Trust
Recurring
|
0.2% |
Investment Management and Trust, FY2025
$1.1M Sources
|
Recurring |
Who Are Their Customers?
Individuals and businesses use its branches, online banking and mobile banking for loans, deposits and other services; businesses and corporations also use investment management, retirement planning and trust services. Brokerage is offered through a third-party broker-dealer arrangement.
10-K for FY2025, filed Feb 26, 2026
Do Revenues Turn Into Profits?
Yes. It kept 30 cents of every revenue dollar as net income in FY2025 and turned 33 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 4, 2026
Open tableView ↗
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May 1, 2026
Completed acquisition of Field & Main
The acquisition included Field & Main Bancorp and its subsidiary bank, Field & Main Bank.
Sources
8-K, filed May 1, 2026
On May 1, 2026, the Board of Directors (the “Board”) of Stock Yards Bancorp, Inc. (the “Company”) appointed Scott P. Davis to serve as a…View ↗
Growing. Revenue grew 2.6x in 4 years, from $177.1M in FY2021 to $467.6M in FY2025, about 27% a year.
Captive insurance
The older report described a captive that insured certain risks of the company and its subsidiaries; the latest report says the captive was dissolved.
10-K for FY2022, filed Feb 24, 2023 10-K for FY2025, filed Feb 26, 2026The Captive, a wholly owned subsidiary of the Bancorp, is a Nevada-based captive insurance company that provides insurance against certain…View ↗
As a result of its acquisition of Kentucky Bancshares, Inc. on May 31, 2021, Bancorp became the 100% successor owner of a Nevada-based…View ↗
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