Filing Flows › Stock Yards Bancorp (SYBT) › Q3 2026 › vs Q3 2025
Stock Yards Bancorp (SYBT) Q3 2026 vs Q3 2025 (year over year)
Stock Yards Bancorp's revenue rose $18.7M (+18%) from $102M in Q3 2025 to $120M in Q3 2026. The biggest changes: Net interest income +$15.6M (+20%); Noninterest income +$3.2M (+13%). Operating margin 45.9% against 45.0% (+0.9 pts).
Stock Yards Bancorp, Q3 2026: revenue $120M (+18% year over year), operating margin 45.9%, net earnings $43.5M, operating cash flow $82.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 45.9% | 45.0% | +0.9 pts |
| Net margin | 36.2% | 35.7% | +0.5 pts |
| Free cash flow margin | 68.0% | 34.6% | +33.4 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $92.6M | $77.0M | $15.6M | +20% |
| Noninterest income | $27.6M | $24.5M | $3.2M | +13% |
| Revenue | $120M | $102M | $18.7M | +18% |
| Operating profit | $55.2M | $45.7M | $9.5M | +21% |
| Costs & expenses | $65.1M | $55.8M | $9.3M | +17% |
| Pre-tax earnings | $55.2M | $45.7M | $9.5M | +21% |
| Noninterest expense | $64.1M | $53.8M | $10.3M | +19% |
| Other operating costs | $950K | $2.0M | −$1.0M | -52% |
| Net earnings | $43.5M | $36.2M | $7.3M | +20% |
| Income tax | $11.7M | $9.5M | $2.2M | +23% |
| Depreciation & amortization | $4.5M | $1.9M | $2.6M | +138% |
| Share-based compensation | $1.2M | $1.1M | $136K | +12% |
| Working capital & other | $33.3M | −$1.1M | $34.4M | — |
| Operating cash flow | $82.6M | $38.2M | $44.4M | +116% |
| Free cash flow (OCF − capex) | $81.8M | $35.2M | $46.6M | +133% |
| Capital expenditures | $810K | $3.1M | −$2.2M | -73% |
Questions
How much did Stock Yards Bancorp's revenue grow year over year in Q3 2026?
Stock Yards Bancorp's revenue rose $18.7M (+18%) from $102M in Q3 2025 to $120M in Q3 2026.
What drove Stock Yards Bancorp's revenue change in Q3 2026?
Net interest income +$15.6M (+20%); Noninterest income +$3.2M (+13%).