Provides commercial banking services to businesses. Offers retail banking services to individuals. Now — the numbers.
The biggest line carries real weight, but it doesn’t decide everything on its own.
This is an established company with proven profits.
Average growth of 24% a year over the last 4 years. Every year shown ended in profit.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Sales are growing strongly for its sector.
Clearly above the class average — a step short of the very top.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades below its recent peak — about 9% off the top. A pullback, not a collapse.
The net profit margin is 25% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 24% a year on average.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 28/100.
On our five-subject report card, SYBT sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: SYBT is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.