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Stock Yards Bancorp (SYBT) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Stock Yards Bancorp (SYBT) Q3 2026 earnings results →
Q3 2026 Revenue up 18% year over year to $120M · 36¢ of every $1 of revenue kept as net profit · operating margin 45.9%
Stock Yards Bancorp made $120M in Q3 2026 (+18% Y/Y): Net interest income $92.6M, Noninterest income $27.6M. Operating margin 45.9%, net earnings $43.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $120.2M in Q3 2026, up 18% year over year and up 5% from the previous quarter. Net interest income was the largest line at 77% of revenue. Net interest income added $15.6M year over year (up 20%), 83% of the total change.
Operating profit was $55.2M, a 45.9% margin (up 0.9 points year over year). Of the extra revenue versus a year earlier, 51% reached operating profit, above the 45% margin then. Total costs grew 17% against revenue growth of 18%. The fastest-growing cost line was Noninterest expense (+19%). Net earnings were $43.5M, up 20% year over year. The effective tax rate was 21.1%.
Operating cash flow was $82.6M (up 116% year over year), 190% of net earnings. Non-cash charges added back $4.5M of depreciation and amortization and $1.2M of share-based compensation. Working capital and other items added $33.3M. Capital expenditures of $810K left free cash flow of $81.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $120M | +18% | 45.9% | $43.5M | $82.6M |
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🔄Rotation against the market and its industry (RRG)interactive
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About Stock Yards Bancorp
Stock Yards Bancorp, Inc. (“Bancorp” or “the Company”), is a FHC headquartered in Louisville, Kentucky and is engaged in the business of banking through its wholly owned subsidiary, Stock Yards Bank & Trust Company (“SYB” or “the Bank”). Bancorp, which was incorporated in 1988 in Kentucky, is registered with, and subject to supervision, regulation and examination by, the Board of Governors of the Federal Reserve System. As Bancorp has no significant operations of its own, its business and the business of SYB are essentially the same. The operations of SYB are fully reflected in the consolidated financial statements of Bancorp. Accordingly, references to “Bancorp” in this document may encompass both the holding company and the Bank. All significant inter-company transactions and accounts have been eliminated in consolidation.
In its own words, from its 10-K, filed Feb 26, 2026.
Stock Yards Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +18% against the peers' median +12%. Operating margin: 45.9% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| SYBT Stock Yards Bancorp | Q3 2026 | $120M | +18% | 45.9% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Stock Yards Bancorp 10-Q on SEC EDGAR · CIK 835324 · State Commercial Banks
Guidance and outlook
13F: who owns SYBT and who is buying
More on SYBT
History
Every quarter: Q3 2026 results