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Cash Flow Overview

Free Cash flow
$55,141K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from fhlb advances
    • Cash from acquisition, net of ca...
    • Proceeds from sales of acquired ...
    • Others
Negative Cash Flow Breakdown
    • Repayments of fhlb advances
    • Origination of mortgage loans he...
    • Net change in deposits
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Total non-interest income
26,747
24,594
25,128
71,820
Net interest income
87,828
78,421
79,250
221,062
Commercial Banking
0
1,625
1,650
5,050
Investment Management And Trust
-
0
0
0
Wealth Management And Trust
0
-
-
-
Provision for credit losses
0
1,625
1,650
1,975
Net interest income after provision expense
87,828
76,796
77,600
216,012
Compensation and employee benefits
37,136
35,335
33,777
98,040
Net occupancy and equipment
4,745
4,320
4,299
12,234
Technology and communication
6,422
5,335
4,857
14,438
Intangible amortization
1,546
799
914
2,744
Other direct and indirect/allocated expenses
13,957
9,453
10,959
30,102
Total non-interest expenses
63,806
55,242
54,806
157,558
Income before income tax expense
50,769
46,148
47,922
130,274
Income tax expense
10,712
9,553
11,308
26,738
Net income
40,057
36,595
36,614
36,241
Provision for credit losses
0
1,625
1,650
1,975
Depreciation, amortization and accretion, net
3,560
2,989
3,860
1,914
Deferred income tax expense
1,463
1,203
-604
-1,296
Gain on sale of mortgage loans held for sale
604
642
919
997
Origination of mortgage loans held for sale
47,609
32,087
44,180
37,086
Proceeds from sale of mortgage loans held for sale
46,390
33,218
44,897
37,052
Bank owned life insurance income
691
632
633
631
Gain on the sale of premises and equipment
-34
479
-2
0
Loss on sale of available for sale debt securities
-
-
0
-
Gain on other real estate owned
-
-
31
31
Stock compensation expense
1,259
1,287
1,021
1,113
Excess tax benefit from share-based compensation arrangements
0
126
0
72
Net change in accrued interest receivable and other assets
-4,097
3,599
4,734
-2,017
Net change in accrued interest payable and other liabilities
10,036
-27,103
15,169
-1,984
Net cash provided by operating activities
57,992
12,249
52,112
38,215
Proceeds from maturities and paydowns of available for sale debt securities
25,156
127,295
-789,721
288,127
Purchases of available for sale debt securities
0
99,579
99,520
0
Proceeds from sales of acquired available for sale debt securities
54,725
-
-
-
Proceeds from maturities and paydowns of held to maturity debt securities
6,948
5,943
4,137
4,820
Purchases of fhlb stock
410
0
0
0
Proceeds from redemption of fhlb stock
737
0
0
2,122
Net change in loans
15,793
184,890
112,759
79,315
Purchases of premises and equipment
2,851
2,741
4,589
3,055
Proceeds from sale or disposal of premises and equipment
0
1,257
0
0
Other investment activities
11,982
9,591
10,515
20,317
Proceeds from sales of other real estate owned
197
-
31
41
Cash from acquisition, net of cash paid
-92,167
-
-
-
Net cash used in investing activities
148,894
-162,306
-99,678
192,423
Net change in deposits
-35,899
-33,901
147,165
137,222
Net change in securities sold under agreements to repurchase and federal funds purchased
15,222
-24,907
39,887
-53,407
Proceeds from fhlb advances
300,000
300,000
300,000
300,000
Repayments of fhlb advances
300,000
300,000
300,000
300,000
Repurchase of common stock
189
1,280
2
173
Cash dividends paid
9,908
9,512
9,397
9,403
Net cash (used in) provided by financing activities
-30,774
-69,600
177,653
74,239
Net change in cash and cash equivalents
176,112
-219,657
130,087
304,877
Beginning cash and cash equivalents
666,719
886,376
756,289
291,020
Ending cash and cash equivalents
842,831
666,719
886,376
756,289
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net interest income$87,828K Net interest incomeafter provision...$87,828K Total non-interestincome$26,747K Income before incometax expense$50,769K Canceled cashflow$63,806K Cash fromacquisition, net of cash paid-$92,167K Proceeds from sales ofacquired available for...$54,725K Proceeds from maturitiesand paydowns of...$25,156K (-94.98%↓ Y/Y)Proceeds from sale ofmortgage loans held for...$46,390K (-34.40%↓ Y/Y)Net income$40,057K (-40.48%↓ Y/Y)Proceeds from maturitiesand paydowns of held...$6,948K (-95.72%↓ Y/Y)Proceeds from redemptionof fhlb stock$737K (-95.55%↓ Y/Y)Proceeds from sales ofother real estate...$197K (162.67%↑ Y/Y)Net change inaccrued interest...$10,036K (200.56%↑ Y/Y)Net change inaccrued interest...-$4,097K (67.35%↑ Y/Y)Depreciation, amortizationand accretion, net$3,560K (76.15%↑ Y/Y)Deferred income taxexpense$1,463K (257.31%↑ Y/Y)Stock compensationexpense$1,259K (-44.64%↓ Y/Y)Gain on the sale ofpremises and equipment-$34K (-145.95%↓ Y/Y)Canceled cashflow$10,712K Total non-interestexpenses$63,806K Net cash used ininvesting activities$148,894K (174.73%↑ Y/Y)Net cash provided byoperating activities$57,992K (-23.41%↓ Y/Y)Canceled cashflow$31,036K Canceled cashflow$48,904K Income tax expense$10,712K Compensation and employeebenefits$37,136K Other direct andindirect/allocated expenses$13,957K Technology andcommunication$6,422K Net occupancy andequipment$4,745K Intangible amortization$1,546K Net change in cashand cash...$176,112K (9.80%↑ Y/Y)Canceled cashflow$30,774K Net change in loans$15,793K (-95.20%↓ Y/Y)Other investmentactivities$11,982K (-65.03%↓ Y/Y)Purchases of premises andequipment$2,851K (-35.18%↓ Y/Y)Purchases of fhlb stock$410K (-97.70%↓ Y/Y)Origination of mortgageloans held for sale$47,609K (-30.05%↓ Y/Y)Bank owned lifeinsurance income$691K (-44.76%↓ Y/Y)Gain on sale ofmortgage loans held for...$604K (-56.14%↓ Y/Y)Proceeds from fhlbadvances$300,000K (-50.00%↓ Y/Y)Net change insecurities sold under...$15,222K (142.04%↑ Y/Y)Net cash (used in)provided by financing...-$30,774K (-110.84%↓ Y/Y)Canceled cashflow$315,222K Repayments of fhlb advances$300,000K (-50.00%↓ Y/Y)Net change indeposits-$35,899K (-110.55%↓ Y/Y)Cash dividends paid$9,908K (-45.88%↓ Y/Y)Repurchase of common stock$189K (-90.14%↓ Y/Y)

Stock Yards Bancorp, Inc. (SYBT)

Stock Yards Bancorp, Inc. (SYBT)