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Stock Yards Bancorp (SYBT) investor relations material
Stock Yards Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Achieved record net income of $36.2 million ($1.23 per diluted share) for Q3 2025, up from $29.4 million ($1.00 per share) in Q3 2024, driven by strong loan and deposit growth and stable credit quality.
Sixth consecutive quarter of loan growth across all markets, with notable milestones in the Cincinnati and Indianapolis markets.
Diversified non-interest income streams, with mortgage and brokerage businesses showing growth, while wealth management income declined year-over-year but assets under management increased.
Financial highlights
Net interest income rose 19% year-over-year to $77.0 million; net interest margin expanded to 3.56% from 3.33%.
Total loans increased $651 million (10%) year-over-year to $6.93 billion; total deposits grew $918 million (14%) to $7.64 billion.
Non-interest income decreased 1% year-over-year to $24.5 million; non-interest expenses increased 11% to $53.8 million.
Provision for credit losses on loans was $1.6 million, down from $4.3 million in Q3 2024.
Tangible common equity per share rose to $28.30 from $24.58 a year ago.
Outlook and guidance
Net interest margin expected to remain stable, but potential interest rate cuts could pose headwinds.
Continued focus on organic growth and strengthening the funding base.
Two new branch locations planned by year-end to expand geographic footprint.
WM&T income vs AUM growth drivers?
Mitigation for NIM headwinds from rate cuts?
Future investment portfolio allocation strategy?
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Next Stock Yards Bancorp earnings date
Q4 202522 Jan, 2026
Next Stock Yards Bancorp earnings date
Q4 202522 Jan, 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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