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Stock Yards Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$81.8M in Q3 2026 · $194M over twelve months

Operating cash flow$82.6M
Capital spending−$810K
Free cash flow+$81.8M
Cash / net income1.9×

Analysis

In Q3 2026, Stock Yards Bancorp generated $82.6M of operating cash flow and spent $810K on capital projects, leaving free cash flow of $81.8M. That is $46.6M more than in Q3 2025 ($35.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $205M; the largest uses were other investing ($180M), other financing ($57.6M), dividends ($39.1M); besides operations, cash came from asset & business sales ($1.3M); the cash balance fell by $82.9M.

Operating cash flow was $82.6M against net income of $43.5M — 1.9× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities +$26.9M, depreciation & amortization +$4.5M, stock-based pay +$1.2M.

Free cash flow

Stock Yards Bancorp: free cash flow by quarterStock Yards Bancorp: free cash flow by quarter$15.7MQ4 2024$17.8MQ1 2025$53.5MQ2 2025$35.2MQ3 2025$47.5MQ4 2025$9.5MQ1 2026$55.1MQ2 2026$81.8MQ3 2026
Operating cash flow less capital spending.
Stock Yards Bancorp: operating cash flow against capital spendingStock Yards Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$18.9M$3.3MQ4 2024$19.8M$1.9MQ1 2025$55.9M$2.5MQ2 2025$38.2M$3.1MQ3 2025$52.1M$4.6MQ4 2025$12.2M$2.7MQ1 2026$58.0M$2.9MQ2 2026$82.6M$810KQ3 2026
Latest (Q3 2026): Operating cash flow $82.6M, Capital spending $810K.

Capital allocation, year by year

Stock Yards Bancorp: where the cash came from (up) and went (down), by fiscal yearStock Yards Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $102MFY2021: Capital spending −$4.6MFY2021: Acquisitions $25.0MFY2021: Buybacks −$3.8MFY2021: Dividends −$28.2M$127MFY2021FY2022: Operating cash flow $109MFY2022: Net borrowing −$3.2MFY2022: Asset sales $29.7MFY2022: Capital spending −$18.4MFY2022: Acquisitions $349MFY2022: Buybacks −$4.8MFY2022: Dividends −$33.3M$488MFY2022FY2023: Operating cash flow $107MFY2023: Asset sales $1.7MFY2023: Capital spending −$7.7MFY2023: Buybacks −$2.7MFY2023: Dividends −$34.6M$108MFY2023FY2024: Operating cash flow $143MFY2024: Asset sales $223KFY2024: Capital spending −$9.8MFY2024: Buybacks −$4.2MFY2024: Dividends −$35.8M$143MFY2024FY2025: Operating cash flow $166MFY2025: Asset sales $710KFY2025: Capital spending −$12.0MFY2025: Buybacks −$2.1MFY2025: Dividends −$37.1M$167MFY2025
Over these 5 years operating cash flow totalled $626M; the largest uses were dividends ($169M) and capital spending ($52.6M). Cash-flow statements as filed.

Where the cash came from and went

Stock Yards Bancorp: sources (+) and uses (−) of cash, Q3 2026Stock Yards Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$169MOther financing−$165MOperating cash flow$82.6MOther investing−$75.8MDividends−$10.2MCapital spending−$810KAsset & business sales$44KBuybacks−$25K
Stock Yards Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Stock Yards Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$205MOther investing−$180MCash drawn (+) / kept (−)$82.9MOther financing−$57.6MDividends−$39.1MCapital spending−$11.0MBuybacks−$1.5MAsset & business sales$1.3M

From profit to cash

Stock Yards Bancorp: net income to operating cash flow, Q3 2026Stock Yards Bancorp: net income to operating cash flow, Q3 2026Net income$43.5MDepreciation & amortization$4.5MStock-based pay$1.2MDeferred taxes−$709KAccrued liabilities$26.9MOperating cash flow$82.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$82.6M−$810K−$25K−$10.2M$169M$81.8M
Q2 2026$58.0M−$2.9M−$189K−$9.9M−$176M$55.1M
Q1 2026$12.2M−$2.7M−$1.3M−$9.5M$220M$9.5M
Q4 2025$52.1M−$4.6M−$2K−$9.4M−$130M$47.5M
Q3 2025$38.2M−$3.1M−$173K−$9.4M−$305M$35.2M
Q2 2025$55.9M−$2.5M−$308K−$9.2M−$47.7M$53.5M
Q1 2025$19.8M−$1.9M−$1.6M−$9.1M−$113M$17.8M
Q4 2024$18.9M−$3.3M−$1.2M−$9.1M−$38.0M$15.7M

Stock Yards Bancorp: income statement and cash flow

Stock Yards Bancorp, Q3 2026: revenue $120M (+18% year over year), operating margin 45.9%. The chart follows the revenue to costs, profit and cash.

Stock Yards Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.