Stock Yards Bancorp posts record Q4 EPS $1.24, full year $4.75; tangible book up 19%

Stock Yards Bancorp, Inc.

2025-FY EPS reported $4.75

Record Q4 net income $36.6M ($1.24 diluted EPS) vs $31.7M ($1.07) year ago; full year $140.2M ($4.75), up 22%.
Tangible book value per share $29.50, up 19% YoY from $24.82; tangible equity ratio 9.32% vs 8.44%.
Net interest margin expanded 13 bps to 3.57%; net interest income up 13% YoY to $79.3M.
Non-interest income up 7% YoY to $25.1M; record Wealth Mgmt & Trust revenue/AUM, record treasury mgmt and brokerage fees.
Loans grew 8% YoY to $7.04B; deposits up 9% to $7.79B; NPLs low at 0.19% of loans; dividend $0.32/sh declared.

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