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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 0.26
SBBX's Cash to Debt is ranked higher than
58% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SBBX: 0.26 )
SBBX' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 0.26

Equity to Asset 0.09
SBBX's Equity to Asset is ranked higher than
64% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SBBX: 0.09 )
SBBX' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.09

0.06
0.11
Interest Coverage 0.49
SBBX's Interest Coverage is ranked higher than
54% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SBBX: 0.49 )
SBBX' s 10-Year Interest Coverage Range
Min: 0.11   Max: 0.77
Current: 0.49

0.11
0.77
F-Score: 4
Z-Score: 0.17
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 (%) 14.14
SBBX's Operating margin (%) is ranked higher than
56% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. SBBX: 14.14 )
SBBX' s 10-Year Operating margin (%) Range
Min: -362.85   Max: 21.26
Current: 14.14

-362.85
21.26
Net-margin (%) 10.60
SBBX's Net-margin (%) is ranked higher than
57% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. SBBX: 10.60 )
SBBX' s 10-Year Net-margin (%) Range
Min: -7.55   Max: 62.97
Current: 10.6

-7.55
62.97
ROE (%) 5.19
SBBX's ROE (%) is ranked higher than
62% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. SBBX: 5.19 )
SBBX' s 10-Year ROE (%) Range
Min: -3.14   Max: 10.08
Current: 5.19

-3.14
10.08
ROA (%) 0.46
SBBX's ROA (%) is ranked higher than
61% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SBBX: 0.46 )
SBBX' s 10-Year ROA (%) Range
Min: -0.25   Max: 0.81
Current: 0.46

-0.25
0.81
ROC (Joel Greenblatt) (%) 42.21
SBBX's ROC (Joel Greenblatt) (%) is ranked higher than
64% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. SBBX: 42.21 )
SBBX' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -24.24   Max: 90.78
Current: 42.21

-24.24
90.78
Revenue Growth (3Y)(%) -2.50
SBBX's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SBBX: -2.50 )
SBBX' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 86.9
Current: -2.5

0
86.9
EBITDA Growth (3Y)(%) -17.90
SBBX's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SBBX: -17.90 )
SBBX' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 23.7
Current: -17.9

0
23.7
EPS Growth (3Y)(%) -17.50
SBBX's EPS Growth (3Y)(%) is ranked higher than
58% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SBBX: -17.50 )
SBBX' s 10-Year EPS Growth (3Y)(%) Range
Min: -29.2   Max: 22.2
Current: -17.5

-29.2
22.2
» SBBX's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

SBBX Guru Trades in Q4 2013

Arnold Schneider 66,245 sh (-8.24%)
» More
Q1 2014

SBBX Guru Trades in Q1 2014

Arnold Schneider 52,638 sh (-20.54%)
» More
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
» Details

Insider Trades

Latest Guru Trades with SBBX

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2014-09-30 Reduce -32.67%0.01%$9.1 - $10.1 $ 10.16%19416
Arnold Schneider 2014-06-30 Reduce -45.22%0.02%$8.53 - $9.415 $ 10.113%28836
Arnold Schneider 2014-03-31 Reduce -20.54%0.01%$7.55 - $9.248 $ 10.117%52638
Arnold Schneider 2013-09-30 Add 86.28%0.02%$6.1 - $6.95 $ 10.153%72195
Arnold Schneider 2013-03-31 Add 20.21%$5.23 - $7.5 $ 10.154%37556
Arnold Schneider 2012-09-30 Add 39.41%$4.8 - $5.3 $ 10.1101%27943
Arnold Schneider 2012-06-30 Add 79.86%$4.64 - $5.49 $ 10.198%20044
Arnold Schneider 2011-12-31 New Buy$4.3 - $5.49 $ 10.1109%10521
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.50
SBBX's P/E(ttm) is ranked higher than
73% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. SBBX: 18.50 )
SBBX' s 10-Year P/E(ttm) Range
Min: 4.3   Max: 43.11
Current: 18.5

4.3
43.11
P/B 0.93
SBBX's P/B is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. SBBX: 0.93 )
SBBX' s 10-Year P/B Range
Min: 0.28   Max: 2.33
Current: 0.93

0.28
2.33
P/S 1.96
SBBX's P/S is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. SBBX: 1.96 )
SBBX' s 10-Year P/S Range
Min: 0.5   Max: 12.11
Current: 1.96

0.5
12.11
PFCF 15.30
SBBX's PFCF is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SBBX: 15.30 )
SBBX' s 10-Year PFCF Range
Min: 0.78   Max: 161.53
Current: 15.3

0.78
161.53
EV-to-EBIT 27.20
SBBX's EV-to-EBIT is ranked higher than
66% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. SBBX: 27.20 )
SBBX' s 10-Year EV-to-EBIT Range
Min: -39.4   Max: 187
Current: 27.2

-39.4
187
Shiller P/E 17.36
SBBX's Shiller P/E is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SBBX: 17.36 )
SBBX' s 10-Year Shiller P/E Range
Min: 5.23   Max: 33.62
Current: 17.36

5.23
33.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.89
SBBX's Dividend Yield is ranked lower than
86% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. SBBX: 0.89 )
SBBX' s 10-Year Dividend Yield Range
Min: 0.31   Max: 5.91
Current: 0.89

0.31
5.91
Dividend Payout 0.11
SBBX's Dividend Payout is ranked higher than
95% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. SBBX: 0.11 )
SBBX' s 10-Year Dividend Payout Range
Min: 0.11   Max: 1.56
Current: 0.11

0.11
1.56
Yield on cost (5-Year) 0.90
SBBX's Yield on cost (5-Year) is ranked lower than
82% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. SBBX: 0.90 )
SBBX' s 10-Year Yield on cost (5-Year) Range
Min: 0.31   Max: 5.91
Current: 0.9

0.31
5.91
Share Buyback Rate -5.00
SBBX's Share Buyback Rate is ranked higher than
64% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SBBX: -5.00 )
SBBX' s 10-Year Share Buyback Rate Range
Min: 1.5   Max: -18.9
Current: -5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.99
SBBX's Price/Tangible Book is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. SBBX: 0.99 )
SBBX' s 10-Year Price/Tangible Book Range
Min: 0.34   Max: 3.08
Current: 0.99

0.34
3.08
Price/DCF (Projected) 0.39
SBBX's Price/DCF (Projected) is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. SBBX: 0.39 )
SBBX' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 1.89
Current: 0.39

0.14
1.89
Price/Median PS Value 1.33
SBBX's Price/Median PS Value is ranked higher than
70% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. SBBX: 1.33 )
SBBX' s 10-Year Price/Median PS Value Range
Min: 0.36   Max: 7.29
Current: 1.33

0.36
7.29
Price/Graham Number 0.91
SBBX's Price/Graham Number is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SBBX: 0.91 )
SBBX' s 10-Year Price/Graham Number Range
Min: 0.29   Max: 2.11
Current: 0.91

0.29
2.11
Earnings Yield (Greenblatt) 3.70
SBBX's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SBBX: 3.70 )
SBBX' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 55.7
Current: 3.7

0.5
55.7
Forward Rate of Return (Yacktman) 3.92
SBBX's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. SBBX: 3.92 )
SBBX' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8.8   Max: 53.7
Current: 3.92

-8.8
53.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for SBBX

Headlines

Articles On GuruFocus.com
.5 tbv, lots of insi May 01 2013 
spiking? Feb 11 2013 
comment on SBBX Apr 03 2012 
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 

More From Other Websites
SUSSEX BANCORP Financials Nov 21 2014
10-Q/A for Sussex Bancorp Nov 17 2014
10-Q for Sussex Bancorp Nov 15 2014
SUSSEX BANCORP Files SEC form 10-Q/A, Quarterly Report Nov 14 2014
SUSSEX BANCORP Files SEC form 10-Q, Quarterly Report Nov 13 2014
SUSSEX BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Oct 29 2014
Sussex Bancorp Declares Quarterly Cash Dividend and Announces Third Quarter Results for 2014 Oct 29 2014
SUSSEX BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Sep 15 2014
SUSSEX BANCORP Files SEC form 10-Q, Quarterly Report Aug 12 2014
SUSSEX BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 08 2014
SUSSEX BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Aug 01 2014
SUSSEX BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Amendments to Articles... Jun 03 2014
SUSSEX BANCORP Files SEC form 10-Q, Quarterly Report May 15 2014
SUSSEX BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 06 2014
SUSSEX BANCORP Files SEC form 8-K/A, Other Events, Financial Statements and Exhibits Apr 29 2014
SUSSEX BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Apr 29 2014
SUSSEX BANCORP Files SEC form 10-K, Annual Report Mar 19 2014
Sussex Bank Selects Premier from Fiserv to Provide Innovative, Comprehensive Banking Solution Feb 20 2014
Sussex Bancorp Announces Earnings for Fiscal Year 2013 and a 68.2% Increase in Diluted EPS Feb 03 2014
SUSSEX BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 03 2014

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