1 Black-box AI refers to machine learning models that are opaque and have hidden inner workings 2 They can make highly accurate predictions but lack transparency and explainability 3 Researchers combine black-box models with interpretable white-box models to increase legitimacy A...

New York Community Bancorp (NYCB) has seen its shares plummet since reporting a surprising fourth quarter loss and slashing its dividend. The pressure only mounted after Moody's downgraded the company's credit rating to junk. The bank named a new chairman and has taken other steps to assure investors, but it is raising some concern about the health of regional banks. NYCB's woes stem, in part, from its decision to acquire some of the assets of Signature Bank, which failed during last year's regional banking crisis. David Smith, U.S. Banks Analyst at Autonomous Research, and Christopher Marinac , Director of Research at Janney Montgomery Scott joined Yahoo Finance Live to weigh in on the bank's turmoil. Marinac calls NYCB "a real player" in the multifamily home space. He points out that the company had been going through a "business model change" and that "what you want to see them do is really diversify their book." However, he notes that none of the changes at the bank "can happen fast enough for investors that are worried about the stock." Overall, Marinac believes that part of the problem for New York Community Bancorp was that it was trying to get ahead of changes to capital requirement rules, a process that he describes as "painful" for the company. He says the market was shocked by the earnings announcement which caused a "loss of confidence." When it comes to concerns about what NYCB's woes could mean for the regional banking sector as a whole, Smith believes that "These issues are contained to NYCB. These are issues that are pretty idiosyncratic to the bank with its transition from being a smaller, regional bank into a larger one that's under stricter regulatory supervision." He goes on to add that NYCB's issues are more of "earnings rather than viability" nature. For more expert insight and the latest market action, click here to watch this full episode of Yahoo Finance Live. Editor's note: This article was written by Stephanie Mikulich

Coinbase research team predicts Ethereum's growth could surge in 2024 with more institutional investments. Here's what you need to know.

The experimental ERC-404 token standard combines elements of fungible and non-fungible tokens into a single "semi-fungible" digital asset.

Yahoo Finance breaks down this week's recent earnings reports from top companies like Disney and Uber. Yahoo Finance Anchor Josh Lipton remarked on Chipotle's Q4 earnings, saying, "This stock had already been up...it was up about 25% since November." D.A. Davidson Senior Research Analyst Tom White went through Uber's recent earnings report, "It was a clean, broad-based, upside kind of quarter...They've delivered a little bit of upside basically across all the segments on all the line items that you'd want to see." While White noted the stock has been a "relative outperformer" this past year, expectations are still inconsistent with what Uber's earnings say. While the Walt Disney Company's public boardroom battle takes place, KeyBanc Capital Markets Research Analyst Brandon Nispel noted how Disney CEO Bob Iger's challenger, billionaire Nelson Peltz, should be very happy with Disney's recent earnings. Nispel said, "Disney, for the first time ever, talked about getting to a double-digit sustainable margin." When asked about what the potential timeline of this margin would be, Nispel stated it will likely be closer to 2027. Santa Clara University Associate Professor Ye Cai talked about Disney's dividend increase bodes well for the company and the market, "I'm glad to see Disney is re-initiating dividends, and that is usually a welcoming sign to the market." Yahoo Finance Reporter Pras Submaranian discussed Ford's recent earnings, and the likelihood of higher losses in 2024. Submaranian said, "Many people thought we'd see...the same level of investment there." Submaranian also noted there will likely be a new EV truck from Ford, similar to the F-150, in coming years, but until then, "Still more investment, probably still more losses, until you...turn that tide." Key video moments: 00:00:05 - Yahoo Finance Anchor Josh Lipton discusses Chipotle's impressive earnings report 00:00:32 - D.A. Davidson Senior Research Analyst Tom White talks about expectations from Wall Street on Uber 00:00:59 - KeyBanc Capital Markets Research Analyst Brandon Nispel and Santa Clara University Associate Professor Ye Cai break down what Disney's earnings mean for invesotrs and Nelson Peltz 00:01:53 - Yahoo FInance Reporter Pras Submaranian discusses Ford's recent earnings, and when we can expect a new EV truck from the American automaker