SYBT FINANCIAL STATEMENTS

Stock Yards Bancorp Inc — balance sheet, income statement and cash flow trends

SYBTStock Yards Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue570.6 M $+10.8%

Gross Profit397.3 M $+14.8%

Operating Income182.7 M $+19.4%

EBITDA192.3 M $+17.0%

Net Income143.5 M $+17.7%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
SYBT	—	—	—	25.1%
KLNMA	—	—	—	58.1%
BFL	—	—	—	30.2%
BOQ	—	—	—	2.0%
EQB	—	—	—	6.6%
LB	—	—	—	1.4%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.1 B $12%
Current Liabilities7.9 B $83%
Long-term Liabilities510.1 M $5%

Key Figures

YoY change

Total Assets9.5 B $+5.2%

Total Liabilities8.4 B $+4.3%

Total Equity1.1 B $+13.1%

Cash & ST Investments609.1 M $-36.1%

Total Debt421.7 M $-13.0%

Net Debt336.1 M $-10.3%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SYBT	0.08	38.2%	-0.97	11.7%
KLNMA	—	0.0%	-0.00	17.7%
BFL	33.68	9.1%	-3.30	12.0%
BOQ	0.05	258.4%	49.89	6.0%
EQB	0.09	496.5%	40.36	6.2%
LB	0.01	744.5%	280.57	5.3%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SYBT	0.08	38.2%	-0.97	11.7%
BANR	2.11	11.6%	0.19	12.0%
MBIN	0.02	205.5%	17.30	11.5%
NWBI	0.19	31.3%	-11.93	11.3%
EFSC	—	20.4%	0.52	11.7%
CLBK	2,312.41	105.9%	12.13	10.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow158.5 M $+9.1%

Capital Expenditures12.8 M $+28.9%

Free Cash Flow145.7 M $+7.7%

Dividends Paid-37.5 M $-203.9%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SYBT	27.8%	25.5%	2.3%	110.5%
KLNMA	58.1%	57.8%	0.3%	100.0%
BFL	116.9%	27.7%	2.8%	386.6%
BOQ	13.1%	13.0%	0.2%	668.4%
EQB	-2.9%	-7.6%	3.1%	-44.2%
LB	-1.8%	-3.5%	1.7%	-134.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SYBT	27.8%	25.5%	2.3%	110.5%
BANR	37.5%	36.5%	1.0%	151.3%
MBIN	-77.7%	-79.8%	2.1%	-466.3%
NWBI	13.3%	11.7%	1.6%	89.9%
EFSC	22.2%	21.3%	0.9%	105.6%
CLBK	14.4%	12.6%	1.7%	130.7%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.