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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 17.43
SRYB's Cash to Debt is ranked higher than
57% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. SRYB: 17.43 )
Ranked among companies with meaningful Cash to Debt only.
SRYB' s Cash to Debt Range Over the Past 10 Years
Min: 0.19  Med: 2.11 Max: N/A
Current: 17.43
Equity to Asset 0.15
SRYB's Equity to Asset is ranked higher than
84% of the 1602 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 Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.13 Max: 0.15
Current: 0.15
0.09
0.15
Interest Coverage 4.54
SRYB's Interest Coverage is ranked higher than
79% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. SRYB: 4.54 )
Ranked among companies with meaningful Interest Coverage only.
SRYB' s Interest Coverage Range Over the Past 10 Years
Min: 0.43  Med: 1.31 Max: 4.22
Current: 4.54
0.43
4.22
F-Score: 5
M-Score: -2.25
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 (%) 37.75
SRYB's Operating margin (%) is ranked higher than
66% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. SRYB: 37.75 )
Ranked among companies with meaningful Operating margin (%) only.
SRYB' s Operating margin (%) Range Over the Past 10 Years
Min: 16.92  Med: 37.79 Max: 40.83
Current: 37.75
16.92
40.83
Net-margin (%) 24.16
SRYB's Net-margin (%) is ranked higher than
56% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. SRYB: 24.16 )
Ranked among companies with meaningful Net-margin (%) only.
SRYB' s Net-margin (%) Range Over the Past 10 Years
Min: 10.84  Med: 23.76 Max: 27.07
Current: 24.16
10.84
27.07
ROE (%) 7.60
SRYB's ROE (%) is ranked lower than
55% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. SRYB: 7.60 )
Ranked among companies with meaningful ROE (%) only.
SRYB' s ROE (%) Range Over the Past 10 Years
Min: 3.28  Med: 7.89 Max: 13.58
Current: 7.6
3.28
13.58
ROA (%) 1.19
SRYB's ROA (%) is ranked higher than
70% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SRYB: 1.19 )
Ranked among companies with meaningful ROA (%) only.
SRYB' s ROA (%) Range Over the Past 10 Years
Min: 0.58  Med: 1.21 Max: 1.45
Current: 1.19
0.58
1.45
Revenue Growth (3Y)(%) 2.10
SRYB's Revenue Growth (3Y)(%) is ranked lower than
53% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. SRYB: 2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SRYB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.1  Med: 2.10 Max: 54.4
Current: 2.1
-0.1
54.4
EBITDA Growth (3Y)(%) 2.20
SRYB's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SRYB: 2.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SRYB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -22.6  Med: 11.55 Max: 28.6
Current: 2.2
-22.6
28.6
EPS Growth (3Y)(%) 2.90
SRYB's EPS Growth (3Y)(%) is ranked lower than
64% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SRYB: 2.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SRYB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.5  Med: 12.20 Max: 36.7
Current: 2.9
-27.5
36.7
» SRYB's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:KTHN, OTCPK:HBSI, OTCPK:SABK, NAS:SSFN, OTCPK:FPBK, OTCPK:PBCA, NAS:MELR, AMEX:SGB, OTCPK:UNIB, OTCPK:AVLY, OTCPK:FAIT, OTCPK:RIVE, OTCPK:CBKM, OTCPK:SBKK, OTCBB:ALMG, OTCPK:FMBJ, OTCPK:CBCO, OTCPK:NWPP, OTCPK:BVBC, OTCPK:CMOH » details
Surrey Bancorp is a bank holding company. The Company, along with its subsidiary, provides comprehensive individual & corporate financial services. These services include demand & time deposits, commercial, installment, mortgage & among others.

Surrey Bancorp was incorporated on July 15, 1996 in North Carolina. 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 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.

Ratios

vs
industry
vs
history
P/E(ttm) 15.14
SRYB's P/E(ttm) is ranked lower than
61% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. SRYB: 15.14 )
Ranked among companies with meaningful P/E(ttm) only.
SRYB' s P/E(ttm) Range Over the Past 10 Years
Min: 8.6  Med: 15.68 Max: 22.79
Current: 15.14
8.6
22.79
PE(NRI) 15.14
SRYB's PE(NRI) is ranked lower than
59% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. SRYB: 15.14 )
Ranked among companies with meaningful PE(NRI) only.
SRYB' s PE(NRI) Range Over the Past 10 Years
Min: 8.58  Med: 15.65 Max: 22.79
Current: 15.14
8.58
22.79
Price/Owner Earnings (ttm) 16.89
SRYB's Price/Owner Earnings (ttm) is ranked lower than
68% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. SRYB: 16.89 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SRYB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.36  Med: 16.91 Max: 192.06
Current: 16.89
6.36
192.06
P/B 1.13
SRYB's P/B is ranked lower than
55% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SRYB: 1.13 )
Ranked among companies with meaningful P/B only.
SRYB' s P/B Range Over the Past 10 Years
Min: 0.65  Med: 1.21 Max: 2.7
Current: 1.13
0.65
2.7
P/S 3.68
SRYB's P/S is ranked lower than
64% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. SRYB: 3.68 )
Ranked among companies with meaningful P/S only.
SRYB' s P/S Range Over the Past 10 Years
Min: 1.59  Med: 3.38 Max: 6.79
Current: 3.68
1.59
6.79
PFCF 17.99
SRYB's PFCF is ranked lower than
78% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. SRYB: 17.99 )
Ranked among companies with meaningful PFCF only.
SRYB' s PFCF Range Over the Past 10 Years
Min: 4.91  Med: 11.78 Max: 31.38
Current: 17.99
4.91
31.38
POCF 12.83
SRYB's POCF is ranked lower than
69% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. SRYB: 12.83 )
Ranked among companies with meaningful POCF only.
SRYB' s POCF Range Over the Past 10 Years
Min: 4.77  Med: 10.26 Max: 21.8
Current: 12.83
4.77
21.8
EV-to-EBIT 3.17
SRYB's EV-to-EBIT is ranked higher than
96% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. SRYB: 3.17 )
Ranked among companies with meaningful EV-to-EBIT only.
SRYB' s EV-to-EBIT Range Over the Past 10 Years
Min: -1  Med: 5.80 Max: 14.8
Current: 3.17
-1
14.8
EV-to-EBITDA 2.99
SRYB's EV-to-EBITDA is ranked higher than
95% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. SRYB: 2.99 )
Ranked among companies with meaningful EV-to-EBITDA only.
SRYB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.9  Med: 5.40 Max: 13.7
Current: 2.99
-0.9
13.7
PEG 0.97
SRYB's PEG is ranked higher than
56% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SRYB: 0.97 )
Ranked among companies with meaningful PEG only.
SRYB' s PEG Range Over the Past 10 Years
Min: 0.57  Med: 1.29 Max: 45.74
Current: 0.97
0.57
45.74
Shiller P/E 17.45
SRYB's Shiller P/E is ranked higher than
50% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. SRYB: 17.45 )
Ranked among companies with meaningful Shiller P/E only.
SRYB' s Shiller P/E Range Over the Past 10 Years
Min: 10.26  Med: 19.17 Max: 25.4
Current: 17.45
10.26
25.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.14
SRYB's Price/Tangible Book is ranked higher than
50% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SRYB: 1.14 )
Ranked among companies with meaningful Price/Tangible Book only.
SRYB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.68  Med: 1.38 Max: 2.51
Current: 1.14
0.68
2.51
Price/Projected FCF 0.67
SRYB's Price/Projected FCF is ranked higher than
51% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. SRYB: 0.67 )
Ranked among companies with meaningful Price/Projected FCF only.
SRYB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.38  Med: 0.69 Max: 1.88
Current: 0.67
0.38
1.88
Price/Median PS Value 1.09
SRYB's Price/Median PS Value is ranked lower than
60% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. SRYB: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
SRYB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.49  Med: 1.04 Max: 1.87
Current: 1.09
0.49
1.87
Price/Peter Lynch Fair Value 1.25
SRYB's Price/Peter Lynch Fair Value is ranked lower than
68% of the 434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SRYB: 1.25 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SRYB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.77  Med: 1.24 Max: 2.55
Current: 1.25
0.77
2.55
Price/Graham Number 0.87
SRYB's Price/Graham Number is ranked lower than
51% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SRYB: 0.87 )
Ranked among companies with meaningful Price/Graham Number only.
SRYB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.64  Med: 1.00 Max: 1.59
Current: 0.87
0.64
1.59
Earnings Yield (Greenblatt) (%) 31.57
SRYB's Earnings Yield (Greenblatt) (%) is ranked higher than
96% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SRYB: 31.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SRYB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.8  Med: 16.80 Max: 1020.5
Current: 31.57
6.8
1020.5
Forward Rate of Return (Yacktman) (%) 19.83
SRYB's Forward Rate of Return (Yacktman) (%) is ranked higher than
65% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. SRYB: 19.83 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SRYB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -0.1  Med: 15.50 Max: 26.4
Current: 19.83
-0.1
26.4

More Statistics

Revenue (TTM) (Mil) $12.87
EPS (TTM) $ 0.75
Beta-0.32
Short Percentage of Float0.00%
52-Week Range $10.85 - 14.00
Shares Outstanding (Mil)3.55
» More Articles for SRYB

Headlines

Articles On GuruFocus.com
(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 Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 27 2016
Surrey Bancorp Reports Second Quarter Net Income of $1,138,821 Jul 27 2016
Surrey BanCorp : Overvalued relative to peers, but may deserve another look Jul 21 2016
SURREY BANCORP Files SEC form 8-K, Material Modification to Rights of Security Holders, Amendments... May 31 2016
SURREY BANCORP Financials May 20 2016
Surrey BanCorp :SRYB-US: Earnings Analysis: Q1, 2016 By the Numbers May 20 2016
SURREY BANCORP Files SEC form 10-Q, Quarterly Report May 12 2016
SURREY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 26 2016
Surrey Bancorp Reports First Quarter Net Income of $776,954 Apr 26 2016
Surrey BanCorp: Gathering momentum, but may lack support Apr 21 2016
SURREY BANCORP Files SEC form 10-K, Annual Report Mar 23 2016
Surrey BanCorp Earnings Analysis: 2015 By the Numbers Feb 25 2016
SURREY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 24 2016
Surrey Bancorp Reports 2015 Earnings of $3,061,110 Feb 24 2016
SURREY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 15 2015
Surrey Bancorp Announces Special Cash Dividend of $0.27 per Common Share Dec 15 2015
Surrey BanCorp : Fairly valued, but don’t skip the other factors Dec 10 2015
SURREY BANCORP Files SEC form 10-Q, Quarterly Report Nov 12 2015
SURREY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Oct 28 2015
Surrey Bancorp Reports Third Quarter Net Income of $798,587 Oct 28 2015

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