Stock Yards Bancorp Inc (SYBT) — Defensive Interval Ratio
Stock Yards Bancorp Inc (SYBT) has a Defensive Interval Ratio of 54 days as of December 2025. Defensive assets of $845.10 Million (cash $-, short-term investments $816.32 Million, receivables $28.78 Million) cover 54 days of daily cash needs of $15.76 Million/day. See working capital to net assets of Stock Yards Bancorp Inc to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Stock Yards Bancorp Inc Defensive Interval Ratio (1991–2025)
This chart shows how Stock Yards Bancorp Inc's Defensive Interval Ratio has evolved across 35 annual periods from 1991 to 2025. As of December 2025, the ratio stands at 54 days, meaning defensive assets of $845.10 Million can fund 54 days of operations without new revenue. See SYBT net asset quality index to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Stock Yards Bancorp Inc (1991–2025)
The table below presents the year-by-year Defensive Interval Ratio for Stock Yards Bancorp Inc from 1991 to 2025, covering 35 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Stock Yards Bancorp Inc stock valuation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 54 days | $845.10 Million | $15.76 Million/day | $- | $816.32 Million | ▲ +2 days |
| 2024 | 52 days | $1.04 Billion | $20.10 Million/day | $- | $990.11 Million | ▼ -6 days |
| 2023 | 58 days | $1.08 Billion | $18.74 Million/day | $- | $1.03 Billion | ▼ -654315 days |
| 2022 | 654373 days | $1.18 Billion | $1.81K/day | $- | $1.14 Billion | ▲ +654297 days |
| 2021 | 75 days | $1.21 Billion | $16.09 Million/day | $- | $1.18 Billion | ▲ +20 days |
| 2020 | 56 days | $616.79 Million | $11.09 Million/day | $- | $586.98 Million | ▼ -2 days |
| 2019 | 57 days | $497.21 Million | $8.71 Million/day | $- | $470.74 Million | ▼ 0 days |
| 2018 | 57 days | $447.29 Million | $7.78 Million/day | $- | $437.00 Million | ▼ -19 days |
| 2017 | 76 days | $585.11 Million | $7.70 Million/day | $- | $574.52 Million | ▼ -4 days |
| 2016 | 80 days | $579.05 Million | $7.22 Million/day | $- | $570.07 Million | ▼ -5 days |
| 2015 | 85 days | $574.41 Million | $6.74 Million/day | $- | $565.88 Million | ▲ +0 days |
| 2014 | 85 days | $521.18 Million | $6.14 Million/day | $- | $513.06 Million | ▼ -2 days |
| 2013 | 86 days | $497.37 Million | $5.75 Million/day | $- | $490.03 Million | ▲ +9 days |
| 2012 | 77 days | $392.82 Million | $5.09 Million/day | $- | $386.44 Million | ▲ +1 days |
| 2011 | 76 days | $359.43 Million | $4.72 Million/day | $- | $352.19 Million | ▲ +18 days |
| 2010 | 58 days | $251.62 Million | $4.33 Million/day | $- | $245.33 Million | ▲ +1 days |
| 2009 | 57 days | $233.97 Million | $4.09 Million/day | $- | $228.22 Million | ▲ +8 days |
| 2008 | 49 days | $179.33 Million | $3.67 Million/day | $- | $173.37 Million | ▼ -1 days |
| 2007 | 50 days | $167.35 Million | $3.36 Million/day | $- | $160.84 Million | ▼ -8 days |
| 2006 | 57 days | $193.41 Million | $3.37 Million/day | $- | $144.81 Million | ▼ -8 days |
| 2005 | 65 days | $204.42 Million | $3.13 Million/day | $- | $156.95 Million | ▲ +5 days |
| 2004 | 60 days | $171.07 Million | $2.86 Million/day | $- | $129.39 Million | ▼ -5 days |
| 2003 | 65 days | $176.23 Million | $2.73 Million/day | $- | $155.69 Million | ▲ +12 days |
| 2002 | 53 days | $134.38 Million | $2.56 Million/day | $- | $117.76 Million | ▲ +12 days |
| 2001 | 40 days | $93.53 Million | $2.32 Million/day | $- | $76.88 Million | ▲ +0 days |
| 2000 | 40 days | $86.62 Million | $2.16 Million/day | $- | $69.93 Million | ▲ +32 days |
| 1999 | 8 days | $13.20 Million | $1.75 Million/day | $- | $- | ▼ -2 days |
| 1998 | 9 days | $14.20 Million | $1.54 Million/day | $- | $1.40 Million | ▲ +0 days |
| 1997 | 9 days | $10.90 Million | $1.20 Million/day | $- | $- | ▲ +7 days |
| 1996 | 2 days | $2.30 Million | $1.04 Million/day | $- | $- | ▼ -1 days |
| 1995 | 3 days | $2.20 Million | $810.96K/day | $- | $- | ▲ +0 days |
| 1994 | 3 days | $1.80 Million | $681.92K/day | $- | $- | ▲ +0 days |
| 1993 | 2 days | $1.40 Million | $616.99K/day | $- | $- | ▼ 0 days |
| 1992 | 2 days | $1.40 Million | $593.70K/day | $- | $- | ▼ -1 days |
| 1991 | 3 days | $1.70 Million | $556.16K/day | $- | $- | — |