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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 5.55
SRYB's Cash to Debt is ranked higher than
84% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SRYB: 5.55 )
SRYB' s 10-Year Cash to Debt Range
Min: 0.19   Max: No Debt
Current: 5.55

Equity to Asset 0.14
SRYB's Equity to Asset is ranked higher than
90% of the 1996 Companies
in the Global Banks - Regional - US industry.

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

0.09
0.14
Interest Coverage 3.09
SRYB's Interest Coverage is ranked higher than
83% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SRYB: 3.09 )
SRYB' s 10-Year Interest Coverage Range
Min: 0.43   Max: 3.09
Current: 3.09

0.43
3.09
F-Score: 4
Z-Score: 0.38
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 : 7/10

vs
industry
vs
history
Operating margin (%) 37.85
SRYB's Operating margin (%) is ranked higher than
85% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. SRYB: 37.85 )
SRYB' s 10-Year Operating margin (%) Range
Min: -100.52   Max: 39.86
Current: 37.85

-100.52
39.86
Net-margin (%) 23.72
SRYB's Net-margin (%) is ranked higher than
80% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. SRYB: 23.72 )
SRYB' s 10-Year Net-margin (%) Range
Min: 10.84   Max: 49.34
Current: 23.72

10.84
49.34
ROE (%) 8.16
SRYB's ROE (%) is ranked higher than
73% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. SRYB: 8.16 )
SRYB' s 10-Year ROE (%) Range
Min: 4.34   Max: 14.22
Current: 8.16

4.34
14.22
ROA (%) 1.16
SRYB's ROA (%) is ranked higher than
87% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SRYB: 1.16 )
SRYB' s 10-Year ROA (%) Range
Min: 0.58   Max: 1.45
Current: 1.16

0.58
1.45
ROC (Joel Greenblatt) (%) 103.07
SRYB's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. SRYB: 103.07 )
SRYB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 40.22   Max: 103.5
Current: 103.07

40.22
103.5
Revenue Growth (%) -0.10
SRYB's Revenue Growth (%) is ranked higher than
72% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SRYB: -0.10 )
SRYB' s 10-Year Revenue Growth (%) Range
Min: -0.1   Max: 54.7
Current: -0.1

-0.1
54.7
EBITDA Growth (%) 28.60
SRYB's EBITDA Growth (%) is ranked higher than
93% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SRYB: 28.60 )
SRYB' s 10-Year EBITDA Growth (%) Range
Min: -22.7   Max: 28.6
Current: 28.6

-22.7
28.6
EPS Growth (%) 39.40
SRYB's EPS Growth (%) is ranked higher than
94% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SRYB: 39.40 )
SRYB' s 10-Year EPS Growth (%) Range
Min: -29.3   Max: 39.4
Current: 39.4

-29.3
39.4
» SRYB's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with SRYB

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



No Guru Trades Found!
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Ratios

vs
industry
vs
history
P/E(ttm) 22.40
SRYB's P/E(ttm) is ranked higher than
72% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. SRYB: 22.40 )
SRYB' s 10-Year P/E(ttm) Range
Min: 8.74   Max: 23.24
Current: 22.4

8.74
23.24
P/B 1.60
SRYB's P/B is ranked higher than
69% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. SRYB: 1.60 )
SRYB' s 10-Year P/B Range
Min: 0.65   Max: 2.56
Current: 1.6

0.65
2.56
P/S 5.20
SRYB's P/S is ranked higher than
67% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. SRYB: 5.20 )
SRYB' s 10-Year P/S Range
Min: 1.59   Max: 6.36
Current: 5.2

1.59
6.36
PFCF 22.30
SRYB's PFCF is ranked higher than
82% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SRYB: 22.30 )
SRYB' s 10-Year PFCF Range
Min: 4.93   Max: 23.61
Current: 22.3

4.93
23.61
EV-to-EBIT 4.72
SRYB's EV-to-EBIT is ranked higher than
98% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. SRYB: 4.72 )
SRYB' s 10-Year EV-to-EBIT Range
Min: -0.3   Max: 21.8
Current: 4.72

-0.3
21.8
PEG 1.50
SRYB's PEG is ranked higher than
89% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SRYB: 1.50 )
SRYB' s 10-Year PEG Range
Min: 0.6   Max: 12.43
Current: 1.5

0.6
12.43
Shiller P/E 26.60
SRYB's Shiller P/E is ranked higher than
82% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SRYB: 26.60 )
SRYB' s 10-Year Shiller P/E Range
Min: 7.84   Max: 27.68
Current: 26.6

7.84
27.68

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.64
SRYB's Price/Tangible Book is ranked higher than
74% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. SRYB: 1.64 )
SRYB' s 10-Year Price/Tangible Book Range
Min: 0.68   Max: 2.2
Current: 1.64

0.68
2.2
Price/DCF (Projected) 0.95
SRYB's Price/DCF (Projected) is ranked higher than
81% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. SRYB: 0.95 )
SRYB' s 10-Year Price/DCF (Projected) Range
Min: 0.37   Max: 1.75
Current: 0.95

0.37
1.75
Price/Median PS Value 1.67
SRYB's Price/Median PS Value is ranked higher than
67% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. SRYB: 1.67 )
SRYB' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 1.86
Current: 1.67

0.54
1.86
Price/Peter Lynch Fair Value 1.43
SRYB's Price/Peter Lynch Fair Value is ranked higher than
92% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SRYB: 1.43 )
SRYB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.69   Max: 2.03
Current: 1.43

0.69
2.03
Price/Graham Number 1.09
SRYB's Price/Graham Number is ranked higher than
80% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SRYB: 1.09 )
SRYB' s 10-Year Price/Graham Number Range
Min: 0.55   Max: 1.13
Current: 1.09

0.55
1.13
Earnings Yield (Greenblatt) 21.20
SRYB's Earnings Yield (Greenblatt) is ranked higher than
97% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SRYB: 21.20 )
SRYB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.6   Max: 632.1
Current: 21.2

4.6
632.1
Forward Rate of Return (Yacktman) 21.20
SRYB's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. SRYB: 21.20 )
SRYB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.4   Max: 23.1
Current: 21.2

-0.4
23.1

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Surrey Bancorp began operations on May 1, 2003 and was created for the purpose of acquiring all the outstanding shares of common stock of Surrey Bank & Trust or the Bank. The Company, 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 Bank 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. Its Bank 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 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 Nov 21 2014
10-Q for Surrey BanCorp Nov 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
SURREY BANCORP Files SEC form 10-Q, Quarterly Report May 12 2014
SURREY BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 28 2014
SURREY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 23 2014
Surrey Bancorp Reports First Quarter Net Income of $676,400 Apr 22 2014
SURREY BANCORP Files SEC form 10-K, Annual Report Mar 28 2014
SURREY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 18 2014
Surrey Bancorp Reports 2013 Earnings of $2,889,351 Feb 14 2014
SURREY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 17 2013
Surrey Bancorp Announces Special Cash Dividend of $0.21 per Common Share Dec 17 2013
SURREY BANCORP Files SEC form 10-Q, Quarterly Report Nov 13 2013
SURREY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Oct 24 2013

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