---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-24-000368"
form_type: "8-K"
ticker: "SYBT"
cik: "0000835324"
company_name: "Stock Yards Bancorp, Inc."
filed_at: "2024-01-24T23:59:59+00:00"
generated_at: "2026-06-06T19:40:23.230891+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Stock Yards Bancorp Q4 EPS $0.82, down 19% YoY; record annual net income $107.7M

## Summary
- Net income $23.9M ($0.82 diluted EPS) vs $29.8M ($1.01) in Q4 2022; full-year record $107.7M ($3.67).
- Total loans (ex-PPP) grew $155M (3%) linked quarter, $580M (11%) YoY; record Q4 organic loan production.
- Net interest margin compressed to 3.25% from 3.64% YoY; net interest income $62.0M vs $65.3M.
- Recorded $4.1M charge-off on one C&I relationship; allowance for credit losses to loans 1.38%.

## SEC filing metadata
- accession: 0001171843-24-000368
- form_type: 8-K
- ticker: SYBT
- cik: 0000835324
- company_name: Stock Yards Bancorp, Inc.
- filed_at: 2024-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/835324/000117184324000368/0001171843-24-000368-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/835324/000117184324000368/f8k_012324.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-24-000368
- JSON: https://secwatch.observer/filing/0001171843-24-000368.json
- Plain text: https://secwatch.observer/filing/0001171843-24-000368.txt

## Key facts
- Earnings Releases
  Stock Yards Bancorp, Inc. reported the fourth quarter ended December 31, 2023 results: net income $23.9 million, EPS $0.82 per diluted share.
  - Period: the fourth quarter ended December 31, 2023
  - Net income: $23.9 million
  - EPS: $0.82 per diluted share
  - Result: reported results
  source text: Stock Yards Bancorp Reports Fourth Quarter Earnings of $23.9 Million or $0.82 Per Diluted Share and Record Earnings for the Year
  evidence_url: https://www.sec.gov/Archives/edgar/data/835324/000117184324000368/0001171843-24-000368-index.htm
- Earnings Releases
  Stock Yards Bancorp, Inc. reported the year ended December 31, 2023 results: net income $107.7 million, EPS $3.67.
  - Period: the year ended December 31, 2023
  - Net income: $107.7 million
  - EPS: $3.67
  - Result: reported results
  source text: For the year ended December 31, 2023, the Company produced record net income of $107.7 million, and diluted earnings per share of $3.67.
  evidence_url: https://www.sec.gov/Archives/edgar/data/835324/000117184324000368/0001171843-24-000368-index.htm

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