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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.75
SNBC's Cash to Debt is ranked higher than
75% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. SNBC: 1.75 )
SNBC' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 1.75

Equity to Asset 0.08
SNBC's Equity to Asset is ranked higher than
60% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SNBC: 0.08 )
SNBC' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.12
Current: 0.08

0.04
0.12
F-Score: 3
Z-Score: -0.07
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 : 4/10

vs
industry
vs
history
Operating margin (%) -7.94
SNBC's Operating margin (%) is ranked lower than
53% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. SNBC: -7.94 )
SNBC' s 10-Year Operating margin (%) Range
Min: -129.62   Max: 27.75
Current: -7.94

-129.62
27.75
Net-margin (%) -8.19
SNBC's Net-margin (%) is ranked lower than
52% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. SNBC: -8.19 )
SNBC' s 10-Year Net-margin (%) Range
Min: -136.48   Max: 19.48
Current: -8.19

-136.48
19.48
ROE (%) -4.05
SNBC's ROE (%) is ranked lower than
52% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. SNBC: -4.05 )
SNBC' s 10-Year ROE (%) Range
Min: -69.12   Max: 11.21
Current: -4.05

-69.12
11.21
ROA (%) -0.32
SNBC's ROA (%) is ranked lower than
52% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. SNBC: -0.32 )
SNBC' s 10-Year ROA (%) Range
Min: -5.43   Max: 0.69
Current: -0.32

-5.43
0.69
ROC (Joel Greenblatt) (%) -19.65
SNBC's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. SNBC: -19.65 )
SNBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -329.59   Max: 68.47
Current: -19.65

-329.59
68.47
Revenue Growth (%) -33.60
SNBC's Revenue Growth (%) is ranked lower than
51% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SNBC: -33.60 )
SNBC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 22
Current: -33.6

0
22
EPS Growth (%) -73.70
SNBC's EPS Growth (%) is ranked lower than
51% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SNBC: -73.70 )
SNBC' s 10-Year EPS Growth (%) Range
Min: -73.7   Max: 109.7
Current: -73.7

-73.7
109.7
» SNBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

SNBC Guru Trades in Q2 2013

Jim Simons 97,500 sh (+21.12%)
Wilbur Ross 21,279,241 sh (unchged)
Chuck Royce 284,428 sh (unchged)
» More
Q3 2013

SNBC Guru Trades in Q3 2013

Jim Simons 121,900 sh (+25.03%)
Wilbur Ross 21,279,241 sh (unchged)
Chuck Royce 284,428 sh (unchged)
» More
Q4 2013

SNBC Guru Trades in Q4 2013

Jim Simons 154,700 sh (+26.91%)
Chuck Royce 284,428 sh (unchged)
Wilbur Ross 21,279,241 sh (unchged)
» More
Q1 2014

SNBC Guru Trades in Q1 2014

Wilbur Ross 21,279,241 sh (unchged)
Chuck Royce 284,428 sh (unchged)
Jim Simons 138,400 sh (-10.54%)
» More
» Details

Insider Trades

Latest Guru Trades with SNBC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Wilbur Ross 2011-09-30 Add 3.01%0.16%$2.33 - $3.8 $ 3.8527%21279241
Wilbur Ross 2011-06-30 Add 10.73%0.58%$3.25 - $3.96 $ 3.855%20657168
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 1.30
SNBC's P/B is ranked higher than
65% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SNBC: 1.30 )
SNBC' s 10-Year P/B Range
Min: 0.22   Max: 1.89
Current: 1.3

0.22
1.89
P/S 3.00
SNBC's P/S is ranked higher than
72% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SNBC: 3.00 )
SNBC' s 10-Year P/S Range
Min: 0.63   Max: 5.03
Current: 3

0.63
5.03
PFCF 9.20
SNBC's PFCF is ranked higher than
78% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. SNBC: 9.20 )
SNBC' s 10-Year PFCF Range
Min: 1.34   Max: 123
Current: 9.2

1.34
123
EV-to-EBIT -15.57
SNBC's EV-to-EBIT is ranked higher than
52% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. SNBC: -15.57 )
SNBC' s 10-Year EV-to-EBIT Range
Min: 8.9   Max: 312.2
Current: -15.57

8.9
312.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
SNBC's Price/Tangible Book is ranked higher than
65% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. SNBC: 1.60 )
SNBC' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 6.12
Current: 1.6

0.4
6.12
Price/DCF (Projected) 0.80
SNBC's Price/DCF (Projected) is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SNBC: 0.80 )
SNBC' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 1.13
Current: 0.8

0.17
1.13
Price/Median PS Value 1.20
SNBC's Price/Median PS Value is ranked higher than
66% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. SNBC: 1.20 )
SNBC' s 10-Year Price/Median PS Value Range
Min: 0.27   Max: 2.26
Current: 1.2

0.27
2.26
Earnings Yield (Greenblatt) 0.30
SNBC's Earnings Yield (Greenblatt) is ranked lower than
58% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SNBC: 0.30 )
SNBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 11.2
Current: 0.3

0.3
11.2
Forward Rate of Return (Yacktman) 19.15
SNBC's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. SNBC: 19.15 )
SNBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.4   Max: 32.2
Current: 19.15

0.4
32.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Sun Bancorp, Inc., is a New Jersey corporation. The Company serves as a holding Company for Sun National Bank. It provides a comprehensive array of commercial and consumer banking services. As of December 31, 2012, the Company had 62 locations throughout New Jersey. The Company's lending services to businesses include term loans and lines of credit, mortgage loans, construction loans and equipment leasing. The Company is a Preferred Lender with both the Small Business Administration ('SBA') and the New Jersey Economic Development Authority. Its commercial deposit services include business checking accounts and cash management services such as electronic banking, sweep accounts, lockbox services, internet banking, remote deposit and controlled disbursement services. The Company's lending services to consumers include residential mortgage loans, residential construction loans, second mortgage loans, home equity loans and installment loans. Its consumer deposit services include checking accounts, savings accounts, money market accounts, certificates of deposit and individual retirement accounts. In addition, the Company offers mutual funds, securities brokerage, annuities and investment advisory services. The Company faces competition for deposits from other insured financial institutions such as commercial banks, thrift institutions, credit unions, and multi-state regional and money center banks in the Company's market area. Competition for funds also includes a number of insurance products sold by local agents and investment products such as mutual funds and other securities sold by local and regional brokers. As a registered bank holding Company, the Company is subject to the supervision and regulation of the Board of Governors of the Federal Reserve System.
» More Articles for SNBC

Headlines

Articles On GuruFocus.com
Solid Six from Self-Made Billionaire, King of Restructures Wilbur Ross, Net Worth $2.6B Jul 19 2013 
Weekly CFO Buys Highlight Feb 10 2013 
Weekly CFO Buys Highlight Feb 11 2013 
Weekly CFO Buys Highlight: SNBC, CY, NCLH, and NBTF Feb 04 2013 
Wilbur Ross Buys Air Lease, Exco Resources, Assured Guaranty Ltd., Sells Greenbrier Cos., Hanesbrand Nov 17 2011 
note on SNBC Oct 09 2011 
comment on SNBC Oct 04 2011 
comment on SNBC Sep 25 2011 
@@ Aug 28 2011 
Wilbur Ross: Unstable Market "Not the End of the World" Aug 17 2011 

More From Other Websites
SUN BANCORP INC /NJ/ Files SEC form 8-K, Regulation FD Disclosure Jul 29 2014
Sun National Bank Announces Proposed Enhancements to Executive Management Team Jul 28 2014
Sun National Bank Announces Proposed Enhancements to Executive Management Team Jul 28 2014
SUN BANCORP INC /NJ/ Files SEC form 8-K, Change in Directors or Principal Officers Jul 22 2014
Sun Bancorp, Inc. to Webcast Second Quarter Earnings Conference Call on Thursday, July 31, 2014 at... Jul 21 2014
Sun Bancorp, Inc. to Webcast Second Quarter Earnings Conference Call on Thursday, July 31, 2014 at... Jul 21 2014
SUN BANCORP INC /NJ/ Files SEC form 8-K, Change in Directors or Principal Officers, Submission of... Jul 18 2014
Sun Bancorp Announces Results of 2014 Annual Meeting of Shareholders Jul 18 2014
Sun Bancorp Announces Results of 2014 Annual Meeting of Shareholders Jul 18 2014
SUN BANCORP INC /NJ/ Files SEC form 8-K/A, Change in Directors or Principal Officers Jul 09 2014
SUN BANCORP INC /NJ/ Files SEC form 8-K, Costs Associated with Exit or Disposal Activities, Material... Jul 07 2014
SUN BANCORP INC /NJ/ Files SEC form 8-K, Change in Directors or Principal Officers, Regulation FD... Jul 03 2014
Why Sun Bancorp (SNBC) Stock Is Up Today Jul 03 2014
Sun Bancorp, Inc. Announces Comprehensive Restructuring Jul 03 2014
Ross-Backed Sun Bancorp to Cut Workforce by 38% Jul 03 2014
Sun Bancorp, Inc. Announces Comprehensive Restructuring Jul 03 2014
Sun National Bank Names Farrell, Forleiter & Schoener to New Lending Team in Central New Jersey Jun 10 2014
SUN BANCORP INC /NJ/ Financials May 16 2014
SUN BANCORP INC /NJ/ Files SEC form 10-Q, Quarterly Report May 09 2014
Sun Bancorp's CEO Discusses Q1 2014 Results - Earnings Call Transcript Apr 24 2014

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