SYBT
Yards BancorpDNasdaq / Banks
Last Price
At close
2026-07-18
Current thesis
The constructive case is mostly transactional rather than purely operating right now: SYBT announced a western Kentucky expansion deal that management says should be EPS accretive, modestly dilutive to tangible book, and still leave capital above well-capitalized thresholds. If the merger closes on time and the added deposits, loans, and wealth footprint integrate smoothly, SYBT could earn a modest rerating toward or slightly above the street's roughly $76.5 median target.
Posture
Defensive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-21.
What can break
Because consideration is fixed in SYBT shares, deal economics and sentiment can move with SYBT's own stock price before closing.
Momentum
52
Value
48
Sentiment
47
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $75.00 · Bull $82.00 · Bear $64.00
Earnings
2026-07-21
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-21 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $79.00
Why
Momentum52 · Δ7d +14.6
Value48 · Δ7d -1.5
Sentiment47 · Δ7d -8.5
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Value · See fundamentals
Momentum
52
26% active weight
Current posture
7d trendImproving
Δ7d
+14.6
Δ21d
+16.7
Value
48
39% active weight
Current posture
7d trendSoftening
Δ7d
-1.5
Δ21d
-1.4
Sentiment
47
34% active weight
Current posture
7d trendSoftening
Δ7d
-8.5
Δ21d
-6.8
Why this grade
Composite grade D. Momentum 52.1 / Value 48.5 / Sentiment 46.5
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$2.39B
Beta
0.72
Shares Out
29.52M
P/E (TTM)
14.7
P/S (TTM)
5.14
P/FCF (TTM)
23.29
Rev YoY
+5.8%
EPS YoY
+10.0%
Gross Margin
-
Op Margin
+43.9%
Net Debt
$409.48M
Current Ratio
0.16
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology