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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 0.11
SBBX's Cash to Debt is ranked lower than
92% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. SBBX: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
SBBX' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.59 Max: No Debt
Current: 0.11
Equity to Asset 0.08
SBBX's Equity to Asset is ranked lower than
72% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SBBX: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
SBBX' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.11
Current: 0.08
0.06
0.11
Interest Coverage 1.67
SBBX's Interest Coverage is ranked higher than
51% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. SBBX: 1.67 )
Ranked among companies with meaningful Interest Coverage only.
SBBX' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.48 Max: 1.5
Current: 1.67
0.11
1.5
F-Score: 5
M-Score: -2.34
WACC vs ROIC
3.47%
3.31%
WACC
ROIC
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 (%) 22.72
SBBX's Operating margin (%) is ranked lower than
71% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. SBBX: 22.72 )
Ranked among companies with meaningful Operating margin (%) only.
SBBX' s Operating margin (%) Range Over the Past 10 Years
Min: -15.49  Med: 12.46 Max: 21.26
Current: 22.72
-15.49
21.26
Net-margin (%) 15.44
SBBX's Net-margin (%) is ranked lower than
74% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. SBBX: 15.44 )
Ranked among companies with meaningful Net-margin (%) only.
SBBX' s Net-margin (%) Range Over the Past 10 Years
Min: -7.55  Med: 10.07 Max: 14.5
Current: 15.44
-7.55
14.5
ROE (%) 8.11
SBBX's ROE (%) is ranked lower than
52% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. SBBX: 8.11 )
Ranked among companies with meaningful ROE (%) only.
SBBX' s ROE (%) Range Over the Past 10 Years
Min: -3.14  Med: 5.69 Max: 7.3
Current: 8.11
-3.14
7.3
ROA (%) 0.66
SBBX's ROA (%) is ranked lower than
65% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SBBX: 0.66 )
Ranked among companies with meaningful ROA (%) only.
SBBX' s ROA (%) Range Over the Past 10 Years
Min: -0.25  Med: 0.46 Max: 0.74
Current: 0.66
-0.25
0.74
Revenue Growth (3Y)(%) -6.50
SBBX's Revenue Growth (3Y)(%) is ranked lower than
83% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. SBBX: -6.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SBBX' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.8  Med: 7.10 Max: 86.9
Current: -6.5
-7.8
86.9
EBITDA Growth (3Y)(%) 60.90
SBBX's EBITDA Growth (3Y)(%) is ranked higher than
96% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. SBBX: 60.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SBBX' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -30.7  Med: 0.55 Max: 60.9
Current: 60.9
-30.7
60.9
EPS Growth (3Y)(%) 53.20
SBBX's EPS Growth (3Y)(%) is ranked higher than
93% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SBBX: 53.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SBBX' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.7  Med: 1.70 Max: 53.2
Current: 53.2
-28.7
53.2
» SBBX's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-27)


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

» Details

Guru Trades

Q2 2014

SBBX Guru Trades in Q2 2014

Arnold Schneider 28,836 sh (-45.22%)
» More
Q3 2014

SBBX Guru Trades in Q3 2014

Arnold Schneider 19,416 sh (-32.67%)
» More
Q4 2014

SBBX Guru Trades in Q4 2014

Arnold Schneider 18,216 sh (-6.18%)
» More
Q1 2015

SBBX Guru Trades in Q1 2015

Arnold Schneider Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with SBBX

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:CABC, OTCBB:PSBQ, NAS:FCVA, NAS:AMRB, NAS:GFED, OTCPK:FOFN » details
Sussex Bancorp is a bank holding company. It conducts traditional commercial banking business, and offer services including personal and business checking accounts and time deposits, money market accounts and savings accounts.

Sussex Bancorp is a bank holding company incorporated under the laws of the State of New Jersey in January 1996 and the parent company of Sussex Bank. It is a bank holding company for Sussex Bank. Its primary business is ownership and supervision of the Bank. Through the Bank, it conducts a traditional commercial banking business, and offer services including personal and business checking accounts and time deposits, money market accounts and savings accounts. It engages in a range of lending activities and offer commercial, consumer, mortgage, home equity and personal loans. The Bank has two business segments, banking and financial services and insurance services. The Company acts as an independent community financial service provider and offers traditional banking and related financial services to individual, business and government customers. Through its branch and automated teller machine networks, the Bank offers a full array of commercial and retail financial services, including taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of other financial services. It operates from its main office and has nine branch offices located in Andover, Augusta, Franklin, Montague, Newton, Sparta, Vernon, and Wantage, New Jersey, and in Port Jervis, New York. Its service area consists of Sussex and Bergen Counties in New Jersey and Orange County, New York; although it makes loans throughout New Jersey and the New York metropolitan markets. The Company competes for deposits and loans with commercial banks, thrifts and other financial institutions. The Company and the Bank are subject to extensive regulation under federal and state laws.

Ratios

vs
industry
vs
history
P/E(ttm) 14.38
SBBX's P/E(ttm) is ranked lower than
57% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. SBBX: 14.38 )
Ranked among companies with meaningful P/E(ttm) only.
SBBX' s P/E(ttm) Range Over the Past 10 Years
Min: 4.29  Med: 17.57 Max: 43.11
Current: 14.38
4.29
43.11
Forward P/E 9.83
SBBX's Forward P/E is ranked higher than
65% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.51 vs. SBBX: 9.83 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.38
SBBX's PE(NRI) is ranked lower than
57% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. SBBX: 14.38 )
Ranked among companies with meaningful PE(NRI) only.
SBBX' s PE(NRI) Range Over the Past 10 Years
Min: 4.31  Med: 17.47 Max: 43.11
Current: 14.38
4.31
43.11
Price/Owner Earnings (ttm) 12.88
SBBX's Price/Owner Earnings (ttm) is ranked lower than
54% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. SBBX: 12.88 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SBBX' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.34  Med: 14.34 Max: 46.67
Current: 12.88
2.34
46.67
P/B 1.13
SBBX's P/B is ranked lower than
58% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. SBBX: 1.13 )
Ranked among companies with meaningful P/B only.
SBBX' s P/B Range Over the Past 10 Years
Min: 0.28  Med: 0.82 Max: 1.53
Current: 1.13
0.28
1.53
P/S 2.23
SBBX's P/S is ranked higher than
65% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. SBBX: 2.23 )
Ranked among companies with meaningful P/S only.
SBBX' s P/S Range Over the Past 10 Years
Min: 0.5  Med: 1.50 Max: 5.89
Current: 2.23
0.5
5.89
PFCF 9.47
SBBX's PFCF is ranked higher than
54% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. SBBX: 9.47 )
Ranked among companies with meaningful PFCF only.
SBBX' s PFCF Range Over the Past 10 Years
Min: 0.78  Med: 5.21 Max: 66.71
Current: 9.47
0.78
66.71
POCF 7.63
SBBX's POCF is ranked higher than
57% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. SBBX: 7.63 )
Ranked among companies with meaningful POCF only.
SBBX' s POCF Range Over the Past 10 Years
Min: 0.77  Med: 4.08 Max: 53.17
Current: 7.63
0.77
53.17
EV-to-EBIT 21.13
SBBX's EV-to-EBIT is ranked lower than
75% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. SBBX: 21.13 )
Ranked among companies with meaningful EV-to-EBIT only.
SBBX' s EV-to-EBIT Range Over the Past 10 Years
Min: -39.4  Med: 25.40 Max: 187
Current: 21.13
-39.4
187
EV-to-EBITDA 18.21
SBBX's EV-to-EBITDA is ranked lower than
73% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. SBBX: 18.21 )
Ranked among companies with meaningful EV-to-EBITDA only.
SBBX' s EV-to-EBITDA Range Over the Past 10 Years
Min: -99.2  Med: 19.00 Max: 66.4
Current: 18.21
-99.2
66.4
PEG 3.30
SBBX's PEG is ranked lower than
80% of the 746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. SBBX: 3.30 )
Ranked among companies with meaningful PEG only.
SBBX' s PEG Range Over the Past 10 Years
Min: 1.34  Med: 1.98 Max: 4.41
Current: 3.3
1.34
4.41
Shiller P/E 25.29
SBBX's Shiller P/E is ranked lower than
76% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. SBBX: 25.29 )
Ranked among companies with meaningful Shiller P/E only.
SBBX' s Shiller P/E Range Over the Past 10 Years
Min: 4.95  Med: 11.04 Max: 26.31
Current: 25.29
4.95
26.31

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.17
SBBX's Dividend Yield is ranked lower than
87% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. SBBX: 1.17 )
Ranked among companies with meaningful Dividend Yield only.
SBBX' s Dividend Yield Range Over the Past 10 Years
Min: 0.31  Med: 1.63 Max: 5.91
Current: 1.17
0.31
5.91
Dividend Payout 0.17
SBBX's Dividend Payout is ranked higher than
82% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SBBX: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
SBBX' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.35 Max: 1.51
Current: 0.17
0.11
1.51
Forward Dividend Yield 1.20
SBBX's Forward Dividend Yield is ranked lower than
89% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. SBBX: 1.20 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.17
SBBX's Yield on cost (5-Year) is ranked lower than
86% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. SBBX: 1.17 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SBBX' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.31  Med: 1.63 Max: 5.91
Current: 1.17
0.31
5.91
3-Year Average Share Buyback Ratio -11.00
SBBX's 3-Year Average Share Buyback Ratio is ranked lower than
78% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SBBX: -11.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SBBX' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -20.2  Med: -3.20 Max: 1.3
Current: -11
-20.2
1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
SBBX's Price/Tangible Book is ranked lower than
55% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SBBX: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
SBBX' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.34  Med: 1.35 Max: 3.08
Current: 1.2
0.34
3.08
Price/Projected FCF 0.55
SBBX's Price/Projected FCF is ranked higher than
63% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SBBX: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
SBBX' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.48 Max: 1.89
Current: 0.55
0.14
1.89
Price/Median PS Value 1.48
SBBX's Price/Median PS Value is ranked lower than
89% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SBBX: 1.48 )
Ranked among companies with meaningful Price/Median PS Value only.
SBBX' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.36  Med: 1.42 Max: 3.92
Current: 1.48
0.36
3.92
Price/Peter Lynch Fair Value 1.50
SBBX's Price/Peter Lynch Fair Value is ranked lower than
76% of the 441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SBBX: 1.50 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SBBX' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.65  Med: 1.10 Max: 5.45
Current: 1.5
0.65
5.45
Price/Graham Number 0.87
SBBX's Price/Graham Number is ranked lower than
53% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. SBBX: 0.87 )
Ranked among companies with meaningful Price/Graham Number only.
SBBX' s Price/Graham Number Range Over the Past 10 Years
Min: 0.29  Med: 1.02 Max: 1.68
Current: 0.87
0.29
1.68
Earnings Yield (Greenblatt) (%) 4.70
SBBX's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. SBBX: 4.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SBBX' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 3.70 Max: 55.7
Current: 4.7
0.5
55.7
Forward Rate of Return (Yacktman) (%) 23.28
SBBX's Forward Rate of Return (Yacktman) (%) is ranked higher than
73% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. SBBX: 23.28 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SBBX' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -6.7  Med: 19.30 Max: 53.7
Current: 23.28
-6.7
53.7

More Statistics

Revenue (TTM) (Mil) $28.00
EPS (TTM) $ 0.94
Beta0.38
Short Percentage of Float0.08%
52-Week Range $11.25 - 14.00
Shares Outstanding (Mil)4.68

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.10 1.35
EPS without NRI ($) 1.10 1.35
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for SBBX

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: Logitech International SA, Sussex Bancorp, and Brookline Bancorp Inc. May 03 2015 
Sussex Bancorp Reports Operating Results (10-K) Mar 16 2011 
Sussex Bancorp (SBBX) CEO George Lista buys 1,000 Shares Mar 16 2011 
Sussex Bancorp (SBBX) CEO Anthony J Labozzetta buys 2,000 Shares Feb 24 2011 
Sussex Bancorp (SBBX) CEO Anthony J Labozzetta buys 2,000 Shares Nov 15 2010 
Sussex Bancorp Reports Operating Results (10-Q) Nov 15 2010 
Sussex Bancorp (SBBX) CFO Steven Mark Anthony Fusco buys 3,300 Shares Nov 12 2010 
Sussex Bancorp (SBBX) CEO Anthony J Labozzetta buys 3,000 Shares Aug 19 2010 
Sussex Bancorp Reports Operating Results (10-Q) Aug 13 2010 
Sussex Bancorp (SBBX) CEO George Lista buys 1,000 Shares Aug 06 2010 

More From Other Websites
SUSSEX BANCORP Financials May 21 2016
SUSSEX BANCORP Files SEC form 10-Q, Quarterly Report May 13 2016
Sussex Bancorp :SBBX-US: Earnings Analysis: Q1, 2016 By the Numbers May 02 2016
SUSSEX BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 29 2016
SUSSEX BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 28 2016
Sussex Bancorp Declares Quarterly Cash Dividend Apr 27 2016
Sussex Bancorp Declares Quarterly Cash Dividend Apr 27 2016
SUSSEX BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Apr 27 2016
Sussex Bancorp Reports 62% EPS Growth for First Quarter 2016 Apr 26 2016
Sussex Bancorp Reports 62% EPS Growth for First Quarter 2016 Apr 26 2016
5 Value Regional Bank Stocks to Buy Now Apr 11 2016
SUSSEX BANCORP Files SEC form 10-K, Annual Report Mar 16 2016
Sussex Bank Opens in Oradell, NJ – Welcoming Personal Banking Mar 04 2016
Coverage initiated on Sussex Bancorp by Hovde Group Mar 01 2016
SUSSEX BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 25 2016
SUSSEX BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 03 2016
Sussex Bancorp Earnings Analysis: Q4, 2015 By the Numbers Feb 02 2016
SUSSEX BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Jan 29 2016
Sussex Bancorp Announces a 42% Increase in EPS Driven by Loan and Deposit Growth for Fiscal 2015 and... Jan 28 2016
SUSSEX BANCORP Files SEC form 10-Q, Quarterly Report Nov 12 2015

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