This stock is already up 40% in the last 12 months. An abundance of patience is not needed for this stock. My cost basis is around $1.50 per share so SNV has treated me very well so far. However, going forward, it would be foolish to unload any shares prior to the TARP payoff. After that, it will be dependent of the steepness of the yield curve and future loan demand in Southeast U.S. Those factors will need to be determined after the TARP issue is resolved. So for now, investors should just sit back and relax until TARP is settled.