---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-22-006742"
form_type: "8-K"
ticker: "SYBT"
cik: "0000835324"
company_name: "Stock Yards Bancorp, Inc."
filed_at: "2022-10-26T23:59:59+00:00"
generated_at: "2026-06-23T01:03:17.733301+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Stock Yards Bancorp Q3 net income $28.5M ($0.97 EPS), up 23% YoY; record loan growth and NIM expansion

## Summary
- Net income $28.5M ($0.97 diluted EPS) vs $23.2M ($0.87) in Q3 2021, a 23% increase.
- Record organic loan growth of $213M (ex-PPP) on linked quarter; total loans $5.07B, up 21% YoY.
- Net interest margin expanded 26 bps to 3.46% QoQ; net interest income up 37% YoY to $62.4M.
- Provision for credit losses $4.8M driven by loan growth and higher unemployment forecast, compared to net benefit in prior periods.
- Quarterly dividend increased to $0.29 per share; tangible book value $16.98, down due to AOCI losses from rising rates.

## SEC filing metadata
- accession: 0001171843-22-006742
- form_type: 8-K
- ticker: SYBT
- cik: 0000835324
- company_name: Stock Yards Bancorp, Inc.
- filed_at: 2022-10-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/835324/000117184322006742/0001171843-22-006742-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/835324/000117184322006742/f8k_102522.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-22-006742
- JSON: https://secwatch.observer/filing/0001171843-22-006742.json
- Plain text: https://secwatch.observer/filing/0001171843-22-006742.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.