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Stock Yards Bancorp
Stock Yards Bancorp (SYBT) investor relations material
Stock Yards Bancorp M&A announcement summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.M&A announcement summary28 Jan, 2026
Deal rationale and strategic fit
Expands and accelerates presence in Western Kentucky, especially Henderson, and enhances scale in adjacent markets, solidifying leadership as Kentucky's top community banking franchise.
Combines two community-focused banks with similar cultures, emphasizing disciplined growth and high-touch customer service.
Enhances wealth management capabilities by adding $0.8B in assets under management and leveraging Field & Main's scalable franchise.
Minimal market overlap ensures customer continuity and preserves most customer-facing jobs.
Leadership from Field & Main will join the board and senior management, supporting integration and continuity.
Financial terms and conditions
All-stock transaction: Field & Main shareholders receive 0.655 shares of Stock Yards common stock per Field & Main share, with an implied per share price of $44.55 and total value of $105.7 million.
Pro forma ownership: 95% acquirer, 5% acquired.
Price/tangible book value: 1.5x; price/LTM earnings: 10x; price/2026 earnings plus cost savings: 6x.
Transaction expected to be 5.7% accretive to earnings per share in 2027, with tangible book value dilution of 0.9% earned back in under one year.
Pro forma TCE ratio of 9.5% and total risk-based capital ratio of 13.4% at close; post-closing capital ratios projected to remain above “well-capitalized” thresholds.
Synergies and expected cost savings
Cost savings estimated at 34% of Field & Main's non-interest expenses, with about one-third realized in 2026 and full realization in 2027.
No branch closures planned; cost savings phased in post-system conversion in October 2026.
Revenue synergies identified but not included in financial modeling.
Incremental earnings from the transaction expected to offset financial impacts of crossing $10B in assets.
Enhanced operating leverage and expanded capabilities anticipated for customers in Western Kentucky and adjacent markets.
What levers manage $10B threshold in 2026?
How are 34% cost saves achieved without closures?
What strategic role does Western KY market play?
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Next Stock Yards Bancorp earnings date
Q1 202624 Apr, 2026
Stock Yards Bancorp
Next Stock Yards Bancorp earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Stock Yards Bancorp, Inc. serves as the holding company for Stock Yards Bank & Trust Company, offering a range of financial services to individuals, corporations, and other entities across the United States. Its operations are divided into two main segments: Commercial Banking and Wealth Management & Trust (WM&T). The Commercial Banking segment provides a comprehensive suite of services including retail and commercial lending, mortgage banking, deposit services, and other related financial services. Meanwhile, the WM&T segment specializes in investment management, financial and retirement planning, trust and estate services, and retirement plan management for businesses. The company is headquartered in Louisville, Kentucky, and its shares are listed on the NASDAQ.
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