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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
Net income for Q3 2025 was $36.2 million ($1.23 per diluted share), up 23% year-over-year, driven by strong loan and deposit growth and stable credit quality.
For the nine months ended September 30, 2025, net income was $103.5 million, up 25% year-over-year, with diluted EPS of $3.51.
Sixth consecutive quarter of loan growth across all markets, with notable milestones in Cincinnati and Indianapolis.
Diversified non-interest income streams, with mortgage and brokerage businesses growing, while wealth management income declined but AUM increased.
Total assets reached $9.31 billion, a 5% increase from year-end 2024, driven by strong loan and deposit growth.
Financial highlights
Net interest income (FTE) for Q3 2025 was $77.1 million, up 19% year-over-year; NIM increased to 3.56%.
Total loans grew $651 million (10%) year-over-year to $6.93 billion, led by CRE, residential real estate, C&I lines, and C&D segments.
Deposit balances rose $918 million (14%) year-over-year to $7.64 billion, with notable growth in time deposits.
Non-interest income decreased 1% in Q3 2025 to $24.5 million, while non-interest expenses increased 11% to $53.8 million, mainly due to higher compensation.
Provision for credit losses on loans was $1.6 million, down from $4.3 million in Q3 2024.
Outlook and guidance
Management expects continued loan and deposit growth, but notes potential for increased pricing pressure and competition as interest rates are projected to decline further in late 2025 and early 2026.
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, with two new branch locations planned by year-end.
Asset sensitivity remains, with net interest income projected to benefit from rising rates and decline if rates fall.
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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