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Dec 31, 2025
Stock Yards Bancorp Q4 2025 Earnings Report
Stock Yards Bancorp reported record fourth quarter 2025 results with strong net income and growth across key business lines.
Key Takeaways
Stock Yards Bancorp closed Q4 2025 with record net income of $36.6 million and diluted EPS of $1.24. The quarter showed strength in net interest margin, growth in non-interest income, and solid credit quality. The company continued expanding its market presence through new products and branches.
Net income of $36.6 million, up from $31.7 million in Q4 2024.
Diluted EPS reached $1.24, compared to $1.07 in the same quarter last year.
Net interest margin expanded to 3.57% with $79.3 million in net interest income.
Wealth Management & Trust income reached $11 million with $7.64 billion in AUM.
Revenue by Segment
Forward Guidance
The company expects to maintain organic growth through continued portfolio expansion and operating efficiency, despite margin pressure from lower interest rates.
Positive Outlook
- Strong performance in Wealth Management with record revenue.
- Continued loan growth across all categories.
- Stable net interest margin despite Fed rate cuts.
- 9% deposit growth year over year.
- Improved operating efficiency with lower efficiency ratio.
Challenges Ahead
- Interest income pressure from declining rate environment.
- 1% year-over-year decline in non-interest-bearing deposits.
- Non-interest expenses increased 6% year-over-year.
- Lower investment securities income due to maturing treasuries.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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