Stock Yards Bancorp (SYBT) Investor presentation summary

Company overview and market presence

• Headquartered in Louisville, KY, with 81 locations across Kentucky, Indianapolis, and Cincinnati, and $10.4 billion in assets as of June 30, 2026.

• Serves major markets with a diverse employer base, including Amazon, Ford, Humana, and Toyota.

• Largest bank headquartered in Kentucky, recently expanded into South Central and Western Kentucky.

Financial performance and growth

• Net income grew from $107.7M in 2023 to $140.2M in 2025, with diluted EPS rising from $3.67 to $4.75.

• Net interest income increased 15% year-over-year for the first half of 2026, with a 7% rise in net interest margin.

• Over three decades, net income and EPS have grown at 14% and 13% CAGR, respectively.

Revenue diversification and efficiency

• Non-interest income accounted for 24% of total revenue in 2025, outperforming peer banks.

• Wealth management and trust contributed $42.8M in revenue and 11% of company earnings in 2025.

• Efficiency ratio improved to 53.6% in Q2 2026, reflecting ongoing investment in technology and branch expansion.