---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-000359"
form_type: "8-K"
ticker: "SYBT"
cik: "0000835324"
company_name: "Stock Yards Bancorp, Inc."
filed_at: "2025-01-22T23:59:59+00:00"
generated_at: "2026-05-27T21:38:16.037163+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Stock Yards Bancorp reports record Q4 earnings of $31.7M, EPS $1.07, loan growth 13% YoY

## Summary
- Q4 net income $31.7M ($1.07 diluted EPS) vs $23.9M ($0.82) a year ago; full-year net income $114.5M ($3.89 EPS).
- Net interest income rose 13% YoY to $70.0M; net interest margin expanded 19 bps to 3.44%.
- Total loans increased a record $749M (13%) over 12 months; deposits grew $496M (7%).
- Quarterly cash dividend maintained at $0.31 per share, paid Dec. 31, 2024.
- Provision for credit losses was $2.7M, down from $6.0M a year ago; non-performing loans were 0.34% of total loans.

## SEC filing metadata
- accession: 0001171843-25-000359
- form_type: 8-K
- ticker: SYBT
- cik: 0000835324
- company_name: Stock Yards Bancorp, Inc.
- filed_at: 2025-01-22T23:59:59+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/835324/000117184325000359/0001171843-25-000359-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/835324/000117184325000359/f8k_012125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-000359
- JSON: https://secwatch.observer/filing/0001171843-25-000359.json
- Plain text: https://secwatch.observer/filing/0001171843-25-000359.txt

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