NASDAQ$SYBT
Stock Yards Bancorp Inc · Q4 2022 earnings
Q4 2022 earnings · · Investor relations
Briefing
Reported record earnings and strong fourth quarter earnings, driven by organic loan growth and net interest margin expansion.
Stock Yards Bancorp reported record earnings for the fourth quarter ended December 31, 2022, with net income of $29.8 million, or $1.01 per diluted share, compared to $24.6 million, or $0.92 per diluted share, for the fourth quarter of 2021. The results were driven by organic loan growth and expanded net interest margin.
- Net interest income increased 41% to $65.3 million due to average earning asset growth and rate increases.
- Non-interest income increased 24% to $23.1 million, with recent acquisitions contributing significantly.
- Total loans increased 25% year over year to $5.21 billion.
- The company recorded a provision for credit losses of $3.4 million during the fourth quarter of 2022.
Headline financials
Revenue & EPS history
Stock Yards Bancorp · Revenue · Quarterly
$88.4M
Revenue by segment
Stock Yards Bancorp · $12.6M total across 8 segments · Q2 2020
- Wealth Mgmt & Trust$5.73M—45.4%
- Card Income$2.06M—16.3%
- Mortgage Banking$1.62M—12.9%
- Treasury Fees$1.25M—9.9%
- Deposit Charges$800K—6.3%
- Other Income$595K—4.7%
- Investment Commissions$391K—3.1%
- BOLI Income$176K—1.4%
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2022
+0.5%
Avg return
Earnings day
+1.2%
Avg return
5 days after
+2.2%
Avg return
30 days after
55%
36 / 65 earnings
Positive
+8.7%
Q1 2020
Best reaction
-8.6%
Q2 2011
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -0.2% | +2.5% | +1.0% | |
| Q4 2025 | -0.6% | +0.8% | -5.8% | |
| Q3 2025 | -0.9% | +1.6% | +2.2% | |
| Q1 2025 | +1.2% | +0.2% | +0.3% | |
| Q4 2024 | +0.4% | +1.7% | -1.1% | |
| Q3 2024 | +2.7% | +3.4% | +17.6% | |
| Q2 2024 | +8.1% | +4.1% | +2.5% | |
| Q1 2024 | +1.1% | -0.5% | +2.2% | |
| Q4 2023 | +2.9% | +5.3% | -7.9% | |
| Q3 2023 | +2.6% | +1.6% | +20.6% | |
| Q2 2023 | +1.9% | +0.1% | -6.1% | |
| Q1 2023 | +4.2% | +1.3% | -9.7% | |
| Q4 2022 | -2.4% | -3.3% | -2.4% | |
| Q3 2022 | +2.4% | +6.7% | +2.9% | |
| Q2 2022 | +4.2% | +5.7% | +3.7% | |
| Q1 2022 | -1.0% | -1.0% | +10.2% | |
| Q4 2021 | -5.2% | -4.5% | -13.5% | |
| Q3 2021 | -5.0% | -3.6% | -3.7% | |
| Q2 2021 | +0.9% | -0.1% | +9.8% | |
| Q1 2021 | +1.6% | +2.6% | +3.6% | |
| Q4 2020 | +5.3% | +5.5% | +15.3% | |
| Q3 2020 | -0.5% | +1.7% | +8.1% | |
| Q2 2020 | -1.0% | -1.9% | +2.1% | |
| Q1 2020 | +8.7% | +15.4% | +10.8% | |
| Q4 2019 | +1.3% | -0.8% | -11.9% | |
| Q3 2019 | +4.2% | +6.4% | +9.1% | |
| Q2 2019 | +4.9% | +6.8% | +0.0% | |
| Q1 2019 | -2.3% | +0.7% | +0.2% | |
| Q4 2018 | +3.3% | +1.6% | +8.0% | |
| Q3 2018 | -3.2% | -4.5% | -1.3% | |
| Q2 2018 | +1.3% | -1.6% | +0.5% | |
| Q1 2018 | +3.2% | +0.4% | +6.2% | |
| Q4 2017 | -0.7% | -1.5% | -1.3% | |
| Q3 2017 | +3.4% | -1.8% | -0.7% | |
| Q2 2017 | -2.2% | -3.4% | -5.9% | |
| Q1 2017 | +0.0% | -2.7% | -12.4% | |
| Q4 2016 | -1.1% | -2.4% | -1.6% | |
| Q3 2016 | +0.3% | -0.6% | +27.6% | |
| Q2 2016 | +3.8% | +3.4% | +7.7% | |
| Q1 2016 | +1.4% | — | — | |
| Q4 2015 | +4.5% | — | — | |
| Q3 2015 | +0.5% | — | — | |
| Q2 2015 | -2.1% | — | — | |
| Q1 2015 | +3.7% | — | — | |
| Q4 2014 | +0.4% | — | — | |
| Q3 2014 | +5.3% | — | — | |
| Q2 2014 | +1.9% | — | — | |
| Q1 2014 | -1.0% | — | — | |
| Q4 2013 | -0.8% | — | — | |
| Q3 2013 | +1.8% | — | — | |
| Q2 2013 | +4.2% | — | — | |
| Q1 2013 | +1.4% | — | — | |
| Q4 2011 | -1.8% | — | — | |
| Q1 2010 | -1.8% | — | — | |
| Q4 2012 | -1.1% | — | — | |
| Q3 2012 | -3.3% | — | — | |
| Q2 2012 | +1.0% | — | — | |
| Q1 2011 | -1.6% | — | — | |
| Q1 2012 | +1.6% | — | — | |
| Q4 2009 | -1.0% | — | — | |
| Q3 2011 | -0.6% | — | — | |
| Q3 2010 | -0.6% | — | — | |
| Q4 2010 | -8.6% | — | — | |
| Q2 2010 | -8.6% | — | — | |
| Q2 2011 | -8.6% | — | — |
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