Is SRBK or SYBT more undervalued in 2026?

CirclFi compares SR Bancorp, Inc. (SRBK) and Stock Yards Bancorp, Inc. (SYBT) using 13 institutional-grade valuation models. SRBK has a Quality of Company score of 8.1/10 while SYBT scores 6.5/10.

Which is a better buy — SRBK or SYBT?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do SRBK and SYBT valuations compare?

SRBK at $18.82 and SYBT at $71.31 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SRBK vs SYBT Valuation Comparison 2026 — Intrinsic Value Analysis

SRBK

Banks - Regional

SR Bancorp, Inc.

Quality

8.1

out of 10

Value Trap

—

Price

$18.82

Last close

Models

11/13

Active

SYBT

Banks - Regional

Stock Yards Bancorp, Inc.

Quality

6.5

out of 10

Value Trap

SAFE

Price

$71.31

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	SRBK Fair Value	SRBK Upside	SYBT Fair Value	SYBT Upside
Bayesian DCF	Intrinsic	$7.20	-61.7%	$8.48	-88.1%
Earnings Power Value	Intrinsic	$12.76	-32.2%	$39.92	-44.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for SRBK vs SYBT — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

SRBK vs SYBT — Which Stock Is More Undervalued?

SRBK scores higher with a 8.1/10 quality rating vs SYBT's 6.5/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing SR Bancorp, Inc. (SRBK) and Stock Yards Bancorp, Inc. (SYBT) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

SRBK currently trades at $18.82 with a QOC of 8.1/10, while SYBT trades at $71.31 with a QOC of 6.5/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).