Key Highlights

  • Consensus EPS of 1.33 compares with second-quarter diluted EPS of 1.31, against 1.15 a year earlier.
  • Consensus revenue of USD 119.31 million is a figure the estimates table does not tie to a stated reporting basis.
  • Net interest income was USD 87,828 thousand against USD 73,473 thousand, and noninterest income was USD 26,747 thousand.
  • Total loans increased USD 1.03 billion, or 15%, from June 30, 2025, driven by the portfolio acquired from FM.

Stock Yards Bancorp (NASDAQ:SYBT) reports third-quarter results on Wednesday, Oct. 28, with the timing not given in the estimates table. Consensus stands at EPS of 1.33 on revenue of USD 119.31 million, and the company has a market capitalization of USD 2.46 billion.

Stock Yards Bancorp is a bank holding company with wealth management and trust services, and its filing describes a loan portfolio acquired from FM. Second-quarter net income was USD 40,057 thousand against USD 34,024 thousand, and diluted EPS was 1.31 against 1.15.

Estimates Against the Last Reported Quarter

The EPS estimate of 1.33 is above the second-quarter diluted EPS of 1.31, which compared with 1.15 a year earlier. The estimates table does not state its EPS basis. The revenue estimate of USD 119.31 million compares with net interest income of USD 87,828 thousand and noninterest income of USD 26,747 thousand, and the estimates table does not state its revenue basis.

Basic EPS was 1.32 against 1.16, and the dividend declared was 0.32 per share against 0.31. Interest and dividend income was USD 128,312 thousand against USD 115,000 thousand.

What the Filing Gives and What the Sources Leave Open

The sources supplied include no earnings call transcript or published guidance, so there are no management ranges to set against the estimates. The filing carries no third-quarter figures.

The filing states that net income totaled USD 40.1 million, resulting in diluted EPS of 1.31 against net income of USD 34.0 million and diluted EPS of 1.15. It states that average loans increased USD 938 million, or 14%, for the three months.

Provision, Fee Income and Expense Lines

The provision for credit losses was zero against USD 2,175 thousand, and wealth management and trust services income was USD 12,563 thousand against USD 10,483 thousand. Deposit service charges were USD 2,368 thousand against USD 2,069 thousand.

Debit and credit card income was USD 5,144 thousand against USD 4,837 thousand. Noninterest expense was USD 63,806 thousand against USD 52,700 thousand, and income before income taxes was USD 50,769 thousand against USD 42,946 thousand.

Loans, Deposits and Balance Sheet Size

Total deposits were USD 8,486,097 thousand against USD 7,791,137 thousand at year end, with interest-bearing deposits of USD 6,827,090 thousand. Total assets were USD 10,368,564 thousand against USD 9,536,124 thousand.

Federal Home Loan Bank advances were USD 300,000 thousand and subordinated debentures were USD 26,806 thousand. Net interest income after the provision was USD 87,828 thousand. Net income was USD 40,057 thousand against USD 34,024 thousand. The estimates table lists a market capitalization of USD 2.46 billion.

Markers for the Release

Reported EPS against 1.33 is the headline comparison, with revenue basis unstated. Other markers are loan growth, wealth management income and noninterest expense.