Stock Yards Bancorp(US:SYBT) ZACKS·2026-01-28 01:31Core Insights - Stock Yards Bancorp (SYBT) reported revenue of $104.47 million for the quarter ended December 2025, marking an 11.7% year-over-year increase and a surprise of +2.09% over the Zacks Consensus Estimate of $102.33 million [1] - The earnings per share (EPS) for the same period was $1.24, compared to $1.07 a year ago, resulting in an EPS surprise of +3.05% against the consensus estimate of $1.20 [1] Financial Performance Metrics - Net Interest Margin was reported at 3.6%, aligning with the average estimate from three analysts [4] - The Efficiency Ratio was 52.5%, slightly better than the estimated 52.9% by three analysts [4] - Net charge offs to average loans were reported at -0%, compared to the average estimate of 0.1% from two analysts [4] - Average Interest-Earning Assets amounted to $8.81 billion, exceeding the average estimate of $8.7 billion from two analysts [4] - Total Non-Interest Income was $25.13 million, surpassing the average estimate of $24.72 million from three analysts [4] - Net Interest Income (FTE) was reported at $79.34 million, above the estimated $78.09 million from two analysts [4] - Net Interest Income was $79.25 million, exceeding the average estimate of $77.9 million from two analysts [4] Stock Performance - Shares of Stock Yards have returned +2.1% over the past month, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]