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HCI vs SYBT

HCI
HCI Group, Inc.
BULLISH
Price
$155.31
Market Cap
$2.02B
Sector
Financial Services
AI Confidence
85%
SYBT
Stock Yards Bancorp, Inc.
NEUTRAL
Price
$70.49
Market Cap
$2.08B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
HCI
6.84
SYBT
14.5
Forward P/E
HCI
8.74
SYBT
12.76
P/B Ratio
HCI
1.94
SYBT
1.93
P/S Ratio
HCI
2.24
SYBT
5.21
EV/EBITDA
HCI
2.12
SYBT
--

Profitability

Gross Margin
HCI
59.57%
SYBT
0.0%
Operating Margin
HCI
-397.98%
SYBT
47.43%
Profit Margin
HCI
33.19%
SYBT
35.93%
ROE
HCI
40.46%
SYBT
14.22%
ROA
HCI
11.52%
SYBT
1.55%

Growth

Revenue Growth
HCI
52.1%
SYBT
9.4%
Earnings Growth
HCI
--
SYBT
9.7%

Financial Health

Debt/Equity
HCI
0.06
SYBT
--
Current Ratio
HCI
1.2
SYBT
--
Quick Ratio
HCI
0.94
SYBT
--

Dividends

Dividend Yield
HCI
1.03%
SYBT
1.82%
Payout Ratio
HCI
7.04%
SYBT
26.13%

AI Verdict

HCI BULLISH

HCI presents a compelling value opportunity, trading below both its Intrinsic Value ($159.04) and Graham Number ($202.39). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, this is offset by an exceptional ROE of 40.46% and a very low Debt/Equity ratio of 0.06. The company is significantly undervalued relative to its sector, with a P/E of 6.84 compared to a sector average of 37.44. Despite a bearish technical trend, the combination of 52.1% revenue growth and consistent earnings beats suggests strong fundamental momentum.

Strengths
Deep value valuation with a P/E of 6.84 and PEG of 0.97
Exceptional capital efficiency with ROE at 40.46%
Strong top-line growth with 52.1% YoY revenue increase
Risks
Severe bearish technical trend (0/100 score)
Extreme discrepancy in operating margin (-397.98%) vs profit margin (33.19%)
Exposure to catastrophic insurance events and regulatory changes
SYBT NEUTRAL

SYBT presents a stark contrast between operational performance and fundamental financial health, highlighted by a weak Piotroski F-Score of 2/9. While the company boasts a phenomenal 25-quarter track record of earnings beats and steady growth, the deterministic health markers suggest underlying deterioration. The stock is currently priced between its defensive Graham Number ($63.17) and its growth-based intrinsic value ($104.73), suggesting a fair valuation but limited immediate upside given the bearish technical trend.

Strengths
Exceptional earnings track record with consistent beats over 25 quarters
Strong profitability margins (Operating Margin: 47.43%)
Sustainable dividend payout ratio at 26.13%
Risks
Critical weakness in fundamental health indicated by Piotroski F-Score of 2/9
Strongly bearish technical trend (0/100)
Price is currently trading above the Graham defensive fair value

Compare Another Pair

HCI vs SYBT: Head-to-Head Comparison

This page compares HCI Group, Inc. (HCI) and Stock Yards Bancorp, Inc. (SYBT) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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