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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 : 7/10

vs
industry
vs
history
Cash to Debt 7.68
SRYB's Cash to Debt is ranked higher than
65% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SRYB: 7.68 )
Ranked among companies with meaningful Cash to Debt only.
SRYB' s 10-Year Cash to Debt Range
Min: 0.19  Med: 1.99 Max: N/A
Current: 7.68
Equity to Asset 0.15
SRYB's Equity to Asset is ranked higher than
85% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SRYB: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
SRYB' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.13 Max: 0.15
Current: 0.15
0.09
0.15
Interest Coverage 3.85
SRYB's Interest Coverage is ranked higher than
74% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SRYB: 3.85 )
Ranked among companies with meaningful Interest Coverage only.
SRYB' s 10-Year Interest Coverage Range
Min: 0.43  Med: 0.98 Max: 3.85
Current: 3.85
0.43
3.85
F-Score: 6
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 : 8/10

vs
industry
vs
history
Operating margin (%) 40.78
SRYB's Operating margin (%) is ranked higher than
75% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. SRYB: 40.78 )
Ranked among companies with meaningful Operating margin (%) only.
SRYB' s 10-Year Operating margin (%) Range
Min: -100.52  Med: 34.03 Max: 40.83
Current: 40.78
-100.52
40.83
Net-margin (%) 27.10
SRYB's Net-margin (%) is ranked higher than
68% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. SRYB: 27.10 )
Ranked among companies with meaningful Net-margin (%) only.
SRYB' s 10-Year Net-margin (%) Range
Min: 10.84  Med: 23.39 Max: 49.34
Current: 27.1
10.84
49.34
ROE (%) 9.66
SRYB's ROE (%) is ranked higher than
61% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. SRYB: 9.66 )
Ranked among companies with meaningful ROE (%) only.
SRYB' s 10-Year ROE (%) Range
Min: 4.34  Med: 9.31 Max: 14.22
Current: 9.66
4.34
14.22
ROA (%) 1.38
SRYB's ROA (%) is ranked higher than
81% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SRYB: 1.38 )
Ranked among companies with meaningful ROA (%) only.
SRYB' s 10-Year ROA (%) Range
Min: 0.58  Med: 1.23 Max: 1.45
Current: 1.38
0.58
1.45
ROC (Joel Greenblatt) (%) 118.62
SRYB's ROC (Joel Greenblatt) (%) is ranked higher than
64% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. SRYB: 118.62 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SRYB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 40.22  Med: 84.34 Max: 117.95
Current: 118.62
40.22
117.95
Revenue Growth (3Y)(%) 3.70
SRYB's Revenue Growth (3Y)(%) is ranked higher than
60% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SRYB: 3.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SRYB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.1  Med: 2.75 Max: 54.7
Current: 3.7
-0.1
54.7
EBITDA Growth (3Y)(%) 12.10
SRYB's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. SRYB: 12.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SRYB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -22.7  Med: 11.60 Max: 28.6
Current: 12.1
-22.7
28.6
EPS Growth (3Y)(%) 16.00
SRYB's EPS Growth (3Y)(%) is ranked higher than
66% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. SRYB: 16.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SRYB' s 10-Year EPS Growth (3Y)(%) Range
Min: -29.3  Med: 13.70 Max: 39.4
Current: 16
-29.3
39.4
» SRYB's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 16.60
SRYB's P/E(ttm) is ranked lower than
62% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. SRYB: 16.60 )
Ranked among companies with meaningful P/E(ttm) only.
SRYB' s 10-Year P/E(ttm) Range
Min: 8.74  Med: 15.17 Max: 23.24
Current: 16.6
8.74
23.24
PE(NRI) 17.20
SRYB's PE(NRI) is ranked lower than
65% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. SRYB: 17.20 )
Ranked among companies with meaningful PE(NRI) only.
SRYB' s 10-Year PE(NRI) Range
Min: 9.28  Med: 16.00 Max: 24.22
Current: 17.2
9.28
24.22
P/B 1.43
SRYB's P/B is ranked lower than
71% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SRYB: 1.43 )
Ranked among companies with meaningful P/B only.
SRYB' s 10-Year P/B Range
Min: 0.65  Med: 1.31 Max: 2.56
Current: 1.43
0.65
2.56
P/S 4.40
SRYB's P/S is ranked lower than
75% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. SRYB: 4.40 )
Ranked among companies with meaningful P/S only.
SRYB' s 10-Year P/S Range
Min: 1.59  Med: 3.19 Max: 6.36
Current: 4.4
1.59
6.36
PFCF 15.94
SRYB's PFCF is ranked lower than
66% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. SRYB: 15.94 )
Ranked among companies with meaningful PFCF only.
SRYB' s 10-Year PFCF Range
Min: 4.93  Med: 10.51 Max: 23.61
Current: 15.94
4.93
23.61
POCF 14.26
SRYB's POCF is ranked lower than
69% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. SRYB: 14.26 )
Ranked among companies with meaningful POCF only.
SRYB' s 10-Year POCF Range
Min: 4.78  Med: 9.23 Max: 21.62
Current: 14.26
4.78
21.62
EV-to-EBIT 1.94
SRYB's EV-to-EBIT is ranked higher than
97% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. SRYB: 1.94 )
Ranked among companies with meaningful EV-to-EBIT only.
SRYB' s 10-Year EV-to-EBIT Range
Min: -0.3  Med: 6.40 Max: 14.2
Current: 1.94
-0.3
14.2
PEG 1.17
SRYB's PEG is ranked lower than
52% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SRYB: 1.17 )
Ranked among companies with meaningful PEG only.
SRYB' s 10-Year PEG Range
Min: 0.63  Med: 1.26 Max: 5.73
Current: 1.17
0.63
5.73
Shiller P/E 23.26
SRYB's Shiller P/E is ranked lower than
70% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. SRYB: 23.26 )
Ranked among companies with meaningful Shiller P/E only.
SRYB' s 10-Year Shiller P/E Range
Min: 7.84  Med: 15.10 Max: 27.68
Current: 23.26
7.84
27.68
Days Sales Outstanding 28.23
SRYB's Days Sales Outstanding is ranked higher than
62% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. SRYB: 28.23 )
Ranked among companies with meaningful Days Sales Outstanding only.
SRYB' s 10-Year Days Sales Outstanding Range
Min: 28.63  Med: 30.56 Max: 39.06
Current: 28.23
28.63
39.06

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
SRYB's Price/Tangible Book is ranked lower than
64% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SRYB: 1.44 )
Ranked among companies with meaningful Price/Tangible Book only.
SRYB' s 10-Year Price/Tangible Book Range
Min: 0.68  Med: 1.33 Max: 2.2
Current: 1.44
0.68
2.2
Price/Projected FCF 0.81
SRYB's Price/Projected FCF is ranked lower than
63% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. SRYB: 0.81 )
Ranked among companies with meaningful Price/Projected FCF only.
SRYB' s 10-Year Price/Projected FCF Range
Min: 0.37  Med: 0.64 Max: 1.78
Current: 0.81
0.37
1.78
Price/Median PS Value 1.38
SRYB's Price/Median PS Value is ranked lower than
78% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. SRYB: 1.38 )
Ranked among companies with meaningful Price/Median PS Value only.
SRYB' s 10-Year Price/Median PS Value Range
Min: 0.52  Med: 1.00 Max: 1.8
Current: 1.38
0.52
1.8
Price/Peter Lynch Fair Value 0.97
SRYB's Price/Peter Lynch Fair Value is ranked higher than
51% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. SRYB: 0.97 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SRYB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.72  Med: 1.17 Max: 3.16
Current: 0.97
0.72
3.16
Price/Graham Number 0.89
SRYB's Price/Graham Number is ranked lower than
51% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. SRYB: 0.89 )
Ranked among companies with meaningful Price/Graham Number only.
SRYB' s 10-Year Price/Graham Number Range
Min: 0.55  Med: 0.78 Max: 1.13
Current: 0.89
0.55
1.13
Earnings Yield (Greenblatt) (%) 51.50
SRYB's Earnings Yield (Greenblatt) (%) is ranked higher than
98% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SRYB: 51.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SRYB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 7  Med: 15.45 Max: 632.1
Current: 51.5
7
632.1
Forward Rate of Return (Yacktman) (%) 24.48
SRYB's Forward Rate of Return (Yacktman) (%) is ranked higher than
71% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. SRYB: 24.48 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SRYB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -0.7  Med: 15.00 Max: 25.7
Current: 24.48
-0.7
25.7

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Surrey Bancorp along with its subsidiary, provides individual and corporate financial services through its main and branch offices in Mount Airy, North Carolina and branch offices in Stuart, Virginia and Pilot Mountain, North Carolina. These services include demand and time deposits as well as commercial, installment, mortgage and other consumer lending services, insurance and investment services. Deposits are derived from a base of customers in the Company's trade area. In the conduct of certain aspects of its business, the Company also competes with credit unions, insurance companies, money market mutual funds, and other non-bank financial institutions, some of which are not subject to the same degree of regulation as the Company. The Company is subject to regulation, supervision and regular examination by the Commission and the FDIC. The Company is also subject to regulation by the Federal Reserve. The Company is subject to regulation, supervision and regular examination by the North Carolina Banking Commission.
» More Articles for SRYB

Headlines

Articles On GuruFocus.com
Surrey Bancorp Announces Special Cash Dividend of $0.22 per Common Share Dec 16 2014 
Surrey Bancorp Reports Third Quarter Net Income of $714,688 Oct 24 2014 
(SRYB) Chairman of the Board, 10% Owner C Hylton Wright buys 2,752 Shares Mar 08 2011 
(SRYB) Chairman of the Board, 10% Owner C Hylton Wright buys 1,000 Shares Dec 22 2010 
(SRYB) Chairman of the Board, 10% Owner C Hylton Wright buys 2,000 Shares Dec 17 2010 
(SRYB) Chairman of the Board, 10% Owner C Hylton Wright buys 2,560 Shares Dec 10 2010 

More From Other Websites
SURREY BANCORP Financials May 22 2015
10-Q for Surrey BanCorp May 17 2015
SURREY BANCORP Files SEC form 10-Q, Quarterly Report May 14 2015
10-K for Surrey BanCorp Apr 30 2015
SURREY BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 27 2015
SURREY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 22 2015
Surrey Bancorp Reports First Quarter Net Income of $728,434 Apr 22 2015
SURREY BANCORP Files SEC form 10-K, Annual Report Mar 27 2015
SURREY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 13 2015
Surrey Bancorp Reports 2014 Earnings of $3,443,569 Feb 13 2015
SURREY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 16 2014
Surrey Bancorp Announces Special Cash Dividend of $0.22 per Common Share Dec 16 2014
SURREY BANCORP Files SEC form 10-Q, Quarterly Report Nov 13 2014
SURREY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Oct 28 2014
Surrey Bancorp Reports Third Quarter Net Income of $714,688 Oct 24 2014
SURREY BANCORP Files SEC form 10-Q, Quarterly Report Aug 12 2014
SURREY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 28 2014
Surrey Bancorp Reports Second Quarter Net Income of $767,779 Jul 25 2014

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