secwatch.observer — SEC 8-K summary
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Issuer:     Stock Yards Bancorp, Inc. (SYBT)
CIK:        0000835324
Form:       8-K
Filed at:   2025-10-29T23:59:59+00:00
Accession:  0001171843-25-006747
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Stock Yards Bancorp reports record Q3 earnings of $36.2M ($1.23 EPS); NII up 19% YoY
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- Net income of $36.2M ($1.23 diluted EPS) vs. $29.4M ($1.00) in Q3 2024; record quarterly earnings.
- Net interest income rose $12.1M (+19%) to $77.0M; net interest margin expanded 23 bps to 3.56%.
- Total loans grew $651M (+10%) YoY to $6.93B; deposits up $918M (+14%) to $7.64B.
- Quarterly cash dividend increased to $0.32 per share (paid Oct 1, 2025); record date Sept 15.
- Credit quality stable: NPLs at 0.27% of loans; allowance for credit losses at 1.33%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/835324/000117184325006747/0001171843-25-006747-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/835324/000117184325006747/f8k_102825.htm
  HTML page:      https://secwatch.observer/filing/0001171843-25-006747

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