The end of the earnings season is always a good time to take a step back and see who shined (and who not so much). Let’s take a look at how regional banks stocks fared in Q3, starting with Stock Yards Bank (NASDAQ: SYBT).

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 101 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.5%.

Thankfully, share prices of the companies have been resilient as they are up 6.1% on average since the latest earnings results.

Stock Yards Bank (NASDAQ: SYBT)

Founded in 1904 in Louisville and named after the city's historic livestock market district, Stock Yards Bancorp (NASDAQ: SYBT) operates a regional bank providing commercial banking, wealth management, and trust services across Kentucky, Indiana, and Ohio.

Stock Yards Bank reported revenues of $101.6 million, up 13% year on year. This print exceeded analysts’ expectations by 1.8%. Overall, it was a strong quarter for the company with a decent beat of analysts’ net interest income estimates and a decent beat of analysts’ revenue estimates.

“We delivered another record quarter, marked by strong loan production and our sixth consecutive quarter of loan growth across all markets,” commented James A. (Ja) Hillebrand, Chairman and Chief Executive Officer.

Interestingly, the stock is up 3.7% since reporting and currently trades at $69.58.

Is now the time to buy Stock Yards Bank? Access our full analysis of the earnings results here, it’s free.

Best Q3: Merchants Bancorp (NASDAQ: MBIN)

With a strategic focus on low-risk, government-backed lending programs, Merchants Bancorp (NASDAQCM:MBIN) is an Indiana-based bank holding company specializing in multi-family mortgage banking, mortgage warehousing, and traditional banking services.

Merchants Bancorp reported revenues of $185.3 million, down 4.4% year on year, outperforming analysts’ expectations by 7.8%. The business had a stunning quarter with a beat of analysts’ EPS estimates and a solid beat of analysts’ net interest income estimates.

The market seems happy with the results as the stock is up 22.2% since reporting. It currently trades at $42.70.

Is now the time to buy Merchants Bancorp? Access our full analysis of the earnings results here, it’s free.

Weakest Q3: The Bancorp (NASDAQ: TBBK)

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp (NASDAQ: TBBK) is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $172.7 million, up 8.2% year on year, falling short of analysts’ expectations by 11%. It was a disappointing quarter as it posted a significant miss of analysts’ tangible book value per share estimates and a significant miss of analysts’ revenue estimates.

As expected, the stock is down 14.7% since the results and currently trades at $60.20.

Read our full analysis of The Bancorp’s results here.

First Merchants (NASDAQ: FRME)

Dating back to 1893 when it first opened its doors in Indiana, First Merchants (NASDAQ: FRME) is a Midwest regional bank providing commercial, consumer, and wealth management services through branches in Indiana, Ohio, Michigan, and Illinois.

First Merchants reported revenues of $178.4 million, down 8.3% year on year. This number topped analysts’ expectations by 3.1%. More broadly, it was a satisfactory quarter as it also logged an impressive beat of analysts’ revenue estimates but a narrow beat of analysts’ EPS estimates.

The stock is up 10% since reporting and currently trades at $41.83.

Read our full, actionable report on First Merchants here, it’s free.

Old Second Bancorp (NASDAQ: OSBC)

Dating back to 1871 as one of the Chicago area's longest-standing financial institutions, Old Second Bancorp (NASDAQ: OSBC) is an Illinois-based community bank offering deposit services, commercial and consumer loans, wealth management, and mortgage products through its 53 branch locations.

Old Second Bancorp reported revenues of $95.54 million, up 29.9% year on year. This result was in line with analysts’ expectations. Overall, it was a satisfactory quarter as it also put up a beat of analysts’ EPS estimates.

The stock is down 3.2% since reporting and currently trades at $20.78.

Read our full, actionable report on Old Second Bancorp here, it’s free.

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