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Stock Yards Bancorp SYBT Provision for Credit Losses

Provision for Credit Losses at other companies

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Other financials

Income statement

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Revenue$114.6M+17.1%
Net income$40.1M+17.7%
EPS (diluted)$1.31+13.9%

Balance sheet

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Cash & equivalents$89.3M-8.6%
Total debt$32.2M+0.5%
Total equity$1.2B+23.9%
Total assets$10.4B+12.6%

Cash flow

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Operating cash flow$12.2M-38.1%
CapEx$2.7M+41.1%
Free cash flow$9.5M-46.7%

Valuation

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Market cap$2.61B+19.9%
P/E17.4×+0.5×
P/S6.2×+0.4×

Profitability

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Net margin35.3%+1.0pp
FCF margin35.8%-1.5pp

Returns & leverage

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Return on equity13.3%-0.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Stock Yards Bancorp in its filing.

Tagged under the XBRL concept us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal.

The source filing: Stock Yards Bancorp’s 10-Q, filed November 5, 2025.

Filed
Nov 5, 2025
Fiscal quarter
Q3 FY2025
Calendar quarter
Q3 2025
Accession
0001437749-25-033206

The ACL for off balance sheet credit exposures, which is separate from the ACL for loans and recorded in other liabilities on the consolidated balance sheets, was $7.1 million and $6.8 million as of September 30, 2025 and December 31, 2024, respectively. Provision for off balance sheet exposures of $425,000 and $350,000 was recorded for the three and nine month periods ended September 30, 2025.

Item 1. Financial Statements

FAQ

What is Stock Yards Bancorp's provision for credit losses?
Stock Yards Bancorp (SYBT) reported provision for credit losses of $425K in Q3 2025.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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