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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.30
OTCPK:CZNB's Cash to Debt is ranked higher than
61% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. OTCPK:CZNB: 0.30 )
OTCPK:CZNB' s 10-Year Cash to Debt Range
Min: 0.12   Max: 2.09
Current: 0.3

0.12
2.09
Equity to Asset 0.12
OTCPK:CZNB's Equity to Asset is ranked higher than
84% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OTCPK:CZNB: 0.12 )
OTCPK:CZNB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.12

0.07
0.14
Interest Coverage 3.05
OTCPK:CZNB's Interest Coverage is ranked higher than
84% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. OTCPK:CZNB: 3.05 )
OTCPK:CZNB' s 10-Year Interest Coverage Range
Min: 0.01   Max: 3.6
Current: 3.05

0.01
3.6
F-Score: 4
Z-Score: 0.25
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 28.16
OTCPK:CZNB's Operating margin (%) is ranked higher than
74% of the 1784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.51 vs. OTCPK:CZNB: 28.16 )
OTCPK:CZNB' s 10-Year Operating margin (%) Range
Min: -29.97   Max: 39.32
Current: 28.16

-29.97
39.32
Net-margin (%) 22.07
OTCPK:CZNB's Net-margin (%) is ranked higher than
76% of the 1784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.58 vs. OTCPK:CZNB: 22.07 )
OTCPK:CZNB' s 10-Year Net-margin (%) Range
Min: -19.13   Max: 27.8
Current: 22.07

-19.13
27.8
ROE (%) 8.31
OTCPK:CZNB's ROE (%) is ranked higher than
75% of the 1791 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.52 vs. OTCPK:CZNB: 8.31 )
OTCPK:CZNB' s 10-Year ROE (%) Range
Min: -6.95   Max: 18.78
Current: 8.31

-6.95
18.78
ROA (%) 1.01
OTCPK:CZNB's ROA (%) is ranked higher than
83% of the 1791 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. OTCPK:CZNB: 1.01 )
OTCPK:CZNB' s 10-Year ROA (%) Range
Min: -0.86   Max: 1.74
Current: 1.01

-0.86
1.74
ROC (Joel Greenblatt) (%) 123.59
OTCPK:CZNB's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.03 vs. OTCPK:CZNB: 123.59 )
OTCPK:CZNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -158.07   Max: 226.37
Current: 123.59

-158.07
226.37
Revenue Growth (%) -4.60
OTCPK:CZNB's Revenue Growth (%) is ranked higher than
63% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OTCPK:CZNB: -4.60 )
OTCPK:CZNB' s 10-Year Revenue Growth (%) Range
Min: -14.8   Max: 11.1
Current: -4.6

-14.8
11.1
EBITDA Growth (%) 38.00
OTCPK:CZNB's EBITDA Growth (%) is ranked higher than
95% of the 1406 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. OTCPK:CZNB: 38.00 )
OTCPK:CZNB' s 10-Year EBITDA Growth (%) Range
Min: -42.7   Max: 38
Current: 38

-42.7
38
» OTCPK:CZNB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Preferred stocks of SunTrust Banks Inc

SymbolPriceYieldDescription
STIPRE0.006.13Deposit Shs Repr 1/4000th 5 7/8 % Perp Pfd Shs Series -E
STIPRA0.004.66ADR

Ratios

vs
industry
vs
history
P/E(ttm) 14.60
CZNB's P/E(ttm) is ranked higher than
72% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. CZNB: 14.60 )
CZNB' s 10-Year P/E(ttm) Range
Min: 3.45   Max: 80.57
Current: 14.6

3.45
80.57
P/B 0.92
CZNB's P/B is ranked higher than
77% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CZNB: 0.92 )
CZNB' s 10-Year P/B Range
Min: 0.15   Max: 2.68
Current: 0.92

0.15
2.68
PFCF 11.98
CZNB's PFCF is ranked higher than
78% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CZNB: 11.98 )
CZNB' s 10-Year PFCF Range
Min: 0.87   Max: 40.94
Current: 11.98

0.87
40.94
EV-to-EBIT 19.73
CZNB's EV-to-EBIT is ranked higher than
70% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.06 vs. CZNB: 19.73 )
CZNB' s 10-Year EV-to-EBIT Range
Min: 7.6   Max: 1660.3
Current: 19.73

7.6
1660.3
Shiller P/E 66.63
CZNB's Shiller P/E is ranked higher than
61% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.60 vs. CZNB: 66.63 )
CZNB' s 10-Year Shiller P/E Range
Min: 1.49   Max: 72.79
Current: 66.63

1.49
72.79

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.43
CZNB's Price/Tangible Book is ranked higher than
69% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CZNB: 1.43 )
CZNB' s 10-Year Price/Tangible Book Range
Min: 0.46   Max: 7.03
Current: 1.43

0.46
7.03
Price/DCF (Projected) 0.49
CZNB's Price/DCF (Projected) is ranked higher than
92% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CZNB: 0.49 )
CZNB' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 2.92
Current: 0.49

0.13
2.92
Price/Median PS Value 1.07
CZNB's Price/Median PS Value is ranked higher than
76% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CZNB: 1.07 )
CZNB' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 2.55
Current: 1.07

0.2
2.55
Price/Graham Number 0.91
CZNB's Price/Graham Number is ranked higher than
79% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CZNB: 0.91 )
CZNB' s 10-Year Price/Graham Number Range
Min: 0.61   Max: 3.76
Current: 0.91

0.61
3.76
Earnings Yield (Greenblatt) 5.10
CZNB's Earnings Yield (Greenblatt) is ranked higher than
59% of the 1575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CZNB: 5.10 )
CZNB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 13.2
Current: 5.1

0.1
13.2
Forward Rate of Return (Yacktman) 9.80
CZNB's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.52 vs. CZNB: 9.80 )
CZNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.4   Max: 65.8
Current: 9.8

4.4
65.8

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:STI.USA, SUU.Germany
SunTrust Banks, Inc., was incorporated in 1984 under the laws of the State of Georgia. The Company is financial services holding whose businesses provide a broad range of financial services to consumer and corporate clients. Through its principal subsidiary, SunTrust Bank, the Company provides deposit, credit, and trust and investment services. Additional subsidiaries provide mortgage banking, asset management, securities brokerage, capital market services, and credit-related insurance. SunTrust operates mainly within Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia, and the District of Columbia and enjoys strong market positions in these markets. Within its geographic footprint, the Company operates under six business segments during the last three quarters of 2010. These business segments are: Retail Banking, Diversified Commercial Banking, CRE, CIB, Mortgage, and W&IM. In addition to traditional deposit, credit, and trust and investment services offered by SunTrust Bank, other SunTrust subsidiaries provide mortgage banking, credit-related insurance, asset management, securities brokerage, and capital markets services. The Company faces competition from domestic and foreign lending institutions and numerous other providers of financial services. As a bank holding company and a financial holding company, the Company is subject to the regulation and supervision of the Federal Reserve.

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