For the quarter ending 2025-09-30, SYBT made $241,814,000 in revenue. $36,241,000 in net income. Net profit margin of 14.99%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 107,207,000 | 103,009,000 | 99,600,000 | 91,827,500 |
| Federal funds sold and interest bearing due from banks | 5,003,000 | 2,730,000 | 2,001,000 | 2,576,500 |
| Mortgage loans held for sale | 74,000 | 78,000 | 77,000 | 55,500 |
| Federal home loan bank stock | 488,000 | 662,000 | 532,000 | 586,500 |
| Taxable | 7,033,000 | 8,052,000 | 8,495,000 | 7,926,500 |
| Tax-exempt | 467,000 | 469,000 | 461,000 | 454,000 |
| Total interest income | 120,272,000 | 115,000,000 | 111,166,000 | 103,426,500 |
| Deposits | 39,294,000 | 37,511,000 | 34,581,000 | 33,960,500 |
| Securities sold under agreements to repurchase | 588,000 | 625,000 | 814,000 | 862,000 |
| Federal funds purchased and other short-term borrowings | 72,000 | 72,000 | 70,000 | 106,000 |
| Federal home loan bank advances | 2,870,000 | 2,908,000 | 4,741,000 | 2,986,000 |
| Subordinated debentures | 411,000 | 411,000 | 408,000 | 492,500 |
| Total interest expense | 43,235,000 | 41,527,000 | 40,614,000 | 38,407,000 |
| Net interest income | 77,037,000 | 73,473,000 | 70,552,000 | 65,019,500 |
| Provision for credit losses | 1,975,000 | 2,175,000 | 900,000 | 2,050,000 |
| Net interest income after provision expense | 75,062,000 | 71,298,000 | 69,652,000 | 62,969,500 |
| Non-interest income-Fiduciary And Trust | 10,704,000 | 10,483,000 | - | - |
| Non-interest income-Deposit Account | 2,281,000 | 2,069,000 | - | - |
| Non-interest income-Credit And Debit Card | 5,009,000 | 4,837,000 | - | - |
| Non-interest income-Treasury Management | - | 3,005,000 | - | - |
| Non-interest income | - | - | - | 21,380,500 |
| Non-interest income-Treasury Management | 2,923,000 | - | - | - |
| Non-interest income-Product And Service Other | - | 1,177,000 | - | - |
| Mortgage banking income | 1,252,000 | 1,094,000 | - | 864,500 |
| Non-interest income-Investment Advisory Management And Administrative Service | 1,112,000 | 980,000 | - | - |
| Bank owned life insurance | 631,000 | 629,000 | - | 607,000 |
| Gain on sale of premises and equipment | 0 | 74,000 | - | -30,500 |
| Non-interest income-Product And Service Other | 564,000 | - | - | - |
| Total non-interest income | 24,476,000 | 24,348,000 | 22,996,000 | 23,389,000 |
| Compensation | 28,836,000 | 27,279,000 | 25,932,000 | 25,337,000 |
| Employee benefits | 4,878,000 | 5,330,000 | 5,785,000 | 5,276,500 |
| Net occupancy and equipment | 4,086,000 | 4,025,000 | 4,123,000 | 3,799,500 |
| Technology and communication | 4,837,000 | 4,773,000 | 4,828,000 | 4,906,500 |
| Debit and credit card processing | 1,984,000 | 1,908,000 | 1,819,000 | 1,803,000 |
| Marketing and business development | 1,887,000 | 1,951,000 | 1,515,000 | 1,945,000 |
| Postage, printing and supplies | 910,000 | 937,000 | 969,000 | 915,500 |
| Legal and professional | 891,000 | 1,088,000 | 907,000 | 979,000 |
| Fdic insurance | 1,198,000 | 1,260,000 | 1,223,000 | 1,141,500 |
| Capital and deposit based taxes | 1,082,000 | 738,000 | 700,000 | 641,500 |
| Intangible amortization | 915,000 | 915,000 | 914,000 | 1,191,000 |
| Other | 2,327,000 | 2,496,000 | 2,312,000 | 2,373,000 |
| Total non-interest expenses | 53,831,000 | 52,700,000 | 51,027,000 | 50,309,000 |
| Income before income tax expense | 45,707,000 | 42,946,000 | 41,621,000 | 36,049,500 |
| Income tax expense | 9,466,000 | 8,922,000 | 8,350,000 | 7,259,000 |
| Net income | - | - | - | 28,634,750 |
| Net income available to stockholders | - | - | - | 28,634,750 |
| Net income | 36,241,000 | 34,024,000 | 33,271,000 | - |
| Basic (in shares) | 29,369,000 | 29,364,000 | 29,349,000 | -14,647,000 |
| Diluted (in shares) | 29,526,000 | 29,505,000 | 29,501,000 | -14,703,500 |
| Net income per share - basic (in dollars per share) | 1.23 | 1.16 | 1.13 | 0.985 |
| Net income per share - diluted (in dollars per share) | 1.23 | 1.15 | 1.13 | 0.975 |
Stock Yards Bancorp, Inc. (SYBT)
Stock Yards Bancorp, Inc. (SYBT)