Stock Yards Bancorp
Combines regional commercial banking with investment management, trust, and retirement-plan services.
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Profile
Earns interest and fees through commercial, real estate, mortgage, and consumer banking, while Wealth Management & Trust provides investment management, retirement planning, and fiduciary services. An 81-branch footprint remains concentrated in Kentucky and the Indianapolis and Cincinnati metropolitan markets.
Provides commercial and consumer banking through Stock Yards Bank & Trust, including business and real estate lending, deposits, treasury management, cards, mortgages, private banking, and correspondent services. Its Wealth Management & Trust segment adds investment management, financial and retirement planning, trust and estate administration, and employer retirement-plan services.
Generates recurring wealth and trust fees alongside spread-based lending, while the Field & Main acquisition extended the branch network into western Kentucky. The bank now operates 81 offices across Kentucky and the Indianapolis and Cincinnati metropolitan markets.
Net interest income remains the largest revenue source, so earnings depend on loan credit, deposit costs, and interest-rate movements. Wealth fees also vary with market values, and operations remain concentrated in this three-state footprint under bank-capital, liquidity, lending, and consumer-protection rules.
Company facts
Categories
Key statistics
Year to date +22.5% · Average volume (30d) 164.5K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 30, 2026 | Stephens | Target | $70 | $87 | ||
| Jul 30, 2026 | Hovde Group | Downgrade | Outperform | Market Perform | $82 | $90 |
| Jul 10, 2026 | Hovde Group | Reiterate | Outperform | $75 | $82 | |
| Apr 27, 2026 | Piper Sandler | Reiterate | Neutral | $76 | $78 | |
| Mar 6, 2026 | Hovde Group | Upgrade | Market Perform | Outperform | $68 | $75 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 29, 2026Q2 FY26 | $1.08 | $1.31 | +21.3% | $111.7M | $114.7M | +2.7% | −2.08% |
| Apr 22, 2026Q1 FY26 | $1.23 | $1.24 | +0.8% | $102.9M | $103.1M | +0.2% | −0.09% |
| Jan 27, 2026Q4 FY25 | $1.20 | $1.24 | +3.3% | $102.4M | $104.4M | +1.9% | −0.66% |
| Oct 29, 2025Q3 FY25 | $1.15 | $1.23 | +7.0% | $102.4M | $99.5M | −2.8% | −1.07% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $132.3M | $139.3M | $142.8M | $146.3M | $142.2M | $128.3M | |
| Gross profit | $90.8M | $95.6M | $97.6M | $102.7M | $101.4M | $84.0M | |
| Operating income | $41.6M | $42.9M | $45.7M | $47.9M | $46.1M | $50.8M | |
| Net income | $33.3M | $34.0M | $36.2M | $36.6M | $36.6M | $40.1M | |
| Diluted EPS | $1.13 | $1.15 | $1.23 | $1.24 | $1.24 | $1.31 | |
| Gross margin | 68.6% | 68.6% | 68.3% | 70.2% | 71.3% | 65.4% | |
| Operating margin | 31.4% | 30.8% | 32.0% | 32.8% | 32.4% | 39.6% |
Fiscal years (4-quarter sums)FY21 $238.4M · FY22 $330.5M · FY23 $432.5M · FY24 $500.9M · FY25 $560.7M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $609.1M · Total debt $421.7M · Total assets $9.51B · Shareholders' equity $1.19B
Dividends
Raised for 32 straight years — most recently to $0.32 from $0.31 in Sep 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 15, 2026 | Jun 15 | Jul 1 | $0.32 | |
| Mar 16, 2026 | Mar 16 | Apr 1 | $0.32 | |
| Dec 15, 2025 | Dec 15 | Dec 31 | $0.32 | |
| Sep 15, 2025 | Sep 15 | Oct 1 | $0.32 | raised from $0.31 |
| Jun 16, 2025 | Jun 16 | Jul 1 | $0.31 | |
| Mar 17, 2025 | Mar 17 | Apr 1 | $0.31 | |
| Dec 16, 2024 | Dec 16 | Dec 31 | $0.31 | |
| Sep 16, 2024 | Sep 16 | Oct 1 | $0.31 | raised from $0.30 |
Ownership
Shares outstanding 29.52M · Float 27.21M · 92.2% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 2.16M | 7.32% | 13F | Aug 7, 2026 |
| Neuberger Berman Group LLC | 1.61M | 5.40% | 13G | Jul 8, 2026 |
| Kayne Anderson Rudnick Investment Management LLC | 1.29M | 4.38% | 13F | Aug 13, 2026 |
| Stock Yards Bank & Trust Co | 1.26M | 4.25% | 13F | Aug 19, 2026 |
| Vanguard Capital Management LLC | 1.16M | 3.93% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 30, 2026 | Laura L. Wells | director | −6,823 | $86.29 |
| May 21, 2026 | Philip Poindexter | officer: President | −1,221 | $70.68 |
| Nov 6, 2025 | David L. Hardy | director | +2,000 | $66.53 |
| Sep 29, 2025 | Michael W. Woods | officer: Sr. Vice President | +100 | $69.95 |
Peers
- Republic Bancorp
Louisville-HQ Kentucky community bank sharing the same hometown deposit grid.
- German American Bancorp
Southern Indiana community bank with KY/OH footprint and ~$3.7B wealth AUM.
- WesBanco
Multi-state community bank with ~$27B assets and a $7.7B trust franchise.
- First Merchants
Largest Indiana-based community bank, with Private Wealth Advisors arm.
- Park National
Ohio community bank with a 60-year, ~$9.5B trust franchise.
- Civista Bancshares
~$4.3B Ohio community bank reaching Cincinnati metro and Northern Kentucky.
- First Financial
Terre Haute, IN community bank covering Western KY and the Wabash Valley.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Stock Yards Bancorp | $79.84 | −0.01% | $2.36B | 15.9 | 14.8 | 4.2 | +17.2% |
| Republic Bancorp | $94.90 | −0.15% | $1.66B | 14.7 | 13.9 | 3.3 | +9.7% |
| German American Bancorp | $49.92 | −0.02% | $1.88B | 13.2 | 12.4 | 3.7 | +12.7% |
| WesBanco | $40.42 | 0.00% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| First Merchants | $41.93 | −0.02% | $2.63B | 13.4 | 9.9 | 2.4 | +23.2% |
| Park National | $198.12 | +0.11% | $3.59B | 17.7 | 14.9 | 5.9 | +24.7% |
| Civista Bancshares | $27.48 | +0.07% | $571.1M | 10.2 | 9.8 | 2.5 | +15.0% |
| First Financial | $79.24 | +0.11% | $942.3M | 11.1 | 10.2 | 2.8 | +14.0% |
| Median | 13.2 | 11.1 | 2.8 | +14.0% |