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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 0.73
SUBK's Cash to Debt is ranked higher than
66% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. SUBK: 0.73 )
SUBK' s 10-Year Cash to Debt Range
Min: 0.21   Max: No Debt
Current: 0.73

Equity to Asset 0.10
SUBK's Equity to Asset is ranked higher than
69% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SUBK: 0.10 )
SUBK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.1

0.07
0.1
Interest Coverage 7.55
SUBK's Interest Coverage is ranked higher than
94% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SUBK: 7.55 )
SUBK' s 10-Year Interest Coverage Range
Min: 0.51   Max: 9999.99
Current: 7.55

0.51
9999.99
F-Score: 3
Z-Score: 0.27
WACC vs ROIC
7.63%
10.48%
WACC
ROIC
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 (%) 26.39
SUBK's Operating margin (%) is ranked higher than
69% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. SUBK: 26.39 )
SUBK' s 10-Year Operating margin (%) Range
Min: -251.79   Max: 48.8
Current: 26.39

-251.79
48.8
Net-margin (%) 21.16
SUBK's Net-margin (%) is ranked higher than
72% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. SUBK: 21.16 )
SUBK' s 10-Year Net-margin (%) Range
Min: -2.59   Max: 194.43
Current: 21.16

-2.59
194.43
ROE (%) 8.58
SUBK's ROE (%) is ranked higher than
73% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. SUBK: 8.58 )
SUBK' s 10-Year ROE (%) Range
Min: -1.16   Max: 22.3
Current: 8.58

-1.16
22.3
ROA (%) 0.86
SUBK's ROA (%) is ranked higher than
74% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SUBK: 0.86 )
SUBK' s 10-Year ROA (%) Range
Min: -0.11   Max: 1.75
Current: 0.86

-0.11
1.75
ROC (Joel Greenblatt) (%) 81.41
SUBK's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. SUBK: 81.41 )
SUBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -106.9   Max: 239.51
Current: 81.41

-106.9
239.51
Revenue Growth (3Y)(%) -8.40
SUBK's Revenue Growth (3Y)(%) is ranked higher than
55% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SUBK: -8.40 )
SUBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 98.8
Current: -8.4

0
98.8
» SUBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

SUBK Guru Trades in Q2 2014

Private Capital 66,172 sh (-3.64%)
Jim Simons 91,200 sh (-4.20%)
» More
Q3 2014

SUBK Guru Trades in Q3 2014

Private Capital 65,922 sh (-0.38%)
Jim Simons 89,600 sh (-1.75%)
» More
Q4 2014

SUBK Guru Trades in Q4 2014

Jim Simons 97,200 sh (+8.48%)
Private Capital 65,422 sh (-0.76%)
» More
Q1 2015

SUBK Guru Trades in Q1 2015

Jim Simons 106,100 sh (+9.16%)
Private Capital 65,422 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with SUBK

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

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Ratios

vs
industry
vs
history
P/E(ttm) 18.30
SUBK's P/E(ttm) is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. SUBK: 18.30 )
SUBK' s 10-Year P/E(ttm) Range
Min: 9   Max: 46.95
Current: 18.3

9
46.95
Forward P/E 20.49
SUBK's Forward P/E is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SUBK: 20.49 )
N/A
PE(NRI) 18.30
SUBK's PE(NRI) is ranked higher than
73% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. SUBK: 18.30 )
SUBK' s 10-Year PE(NRI) Range
Min: 9   Max: 46.25
Current: 18.3

9
46.25
P/B 1.52
SUBK's P/B is ranked higher than
65% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. SUBK: 1.52 )
SUBK' s 10-Year P/B Range
Min: 0.53   Max: 3.82
Current: 1.52

0.53
3.82
P/S 3.87
SUBK's P/S is ranked higher than
60% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. SUBK: 3.87 )
SUBK' s 10-Year P/S Range
Min: 0.88   Max: 35.31
Current: 3.87

0.88
35.31
PFCF 405.17
SUBK's PFCF is ranked higher than
69% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SUBK: 405.17 )
SUBK' s 10-Year PFCF Range
Min: 2.43   Max: 415.67
Current: 405.17

2.43
415.67
POCF 21.51
SUBK's POCF is ranked higher than
75% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. SUBK: 21.51 )
SUBK' s 10-Year POCF Range
Min: 2.29   Max: 23.78
Current: 21.51

2.29
23.78
EV-to-EBIT 15.98
SUBK's EV-to-EBIT is ranked higher than
75% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. SUBK: 15.98 )
SUBK' s 10-Year EV-to-EBIT Range
Min: -18.4   Max: 119.6
Current: 15.98

-18.4
119.6
Shiller P/E 28.11
SUBK's Shiller P/E is ranked higher than
78% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SUBK: 28.11 )
SUBK' s 10-Year Shiller P/E Range
Min: 4.08   Max: 29
Current: 28.11

4.08
29
Days Sales Outstanding 32.12
SUBK's Days Sales Outstanding is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SUBK: 32.12 )
SUBK' s 10-Year Days Sales Outstanding Range
Min: 26.04   Max: 238.64
Current: 32.12

26.04
238.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.99
SUBK's Dividend Yield is ranked lower than
83% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. SUBK: 0.99 )
SUBK' s 10-Year Dividend Yield Range
Min: 0.26   Max: 4.52
Current: 0.99

0.26
4.52
Dividend Payout 0.14
SUBK's Dividend Payout is ranked higher than
94% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. SUBK: 0.14 )
SUBK' s 10-Year Dividend Payout Range
Min: 0.17   Max: 1.38
Current: 0.14

0.17
1.38
Yield on cost (5-Year) 1.00
SUBK's Yield on cost (5-Year) is ranked lower than
82% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. SUBK: 1.00 )
SUBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.26   Max: 4.52
Current: 1

0.26
4.52
Share Buyback Rate -6.30
SUBK's Share Buyback Rate is ranked higher than
62% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. SUBK: -6.30 )
SUBK' s 10-Year Share Buyback Rate Range
Min: 3.2   Max: -6.3
Current: -6.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.55
SUBK's Price/Tangible Book is ranked higher than
69% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. SUBK: 1.55 )
SUBK' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 4.12
Current: 1.55

0.58
4.12
Price/DCF (Projected) 0.86
SUBK's Price/DCF (Projected) is ranked higher than
83% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SUBK: 0.86 )
SUBK' s 10-Year Price/DCF (Projected) Range
Min: 0.23   Max: 2.12
Current: 0.86

0.23
2.12
Price/Median PS Value 1.12
SUBK's Price/Median PS Value is ranked higher than
75% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SUBK: 1.12 )
SUBK' s 10-Year Price/Median PS Value Range
Min: 0.28   Max: 10.17
Current: 1.12

0.28
10.17
Price/Graham Number 1.13
SUBK's Price/Graham Number is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SUBK: 1.13 )
SUBK' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 1.98
Current: 1.13

0.73
1.98
Earnings Yield (Greenblatt) 6.30
SUBK's Earnings Yield (Greenblatt) is ranked higher than
69% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SUBK: 6.30 )
SUBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 163.8
Current: 6.3

0.8
163.8
Forward Rate of Return (Yacktman) 14.99
SUBK's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. SUBK: 14.99 )
SUBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.1   Max: 33.5
Current: 14.99

6.1
33.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Suffolk Bancorp was incorporated in New York on January 2, 1985 as a bank holding company. The Company currently owns all of the outstanding capital stock of the Suffolk County National Bank of Riverhead. The Bank is a full-service bank serving the needs of its local residents through 25 branches, exclusive of four branches scheduled to be closed in the first quarter of 2014, in Nassau and Suffolk Counties, New York and loan production offices in Garden City and Melville, New York. The Bank offers domestic commercial and retail banking services and wealth management services. The Bank's primary lending area includes all of Suffolk County and the adjacent markets of Nassau County and New York City. The Bank makes commercial real estate floating and fixed rate loans, commercial and industrial loans to manufacturers, wholesalers, distributors, developers/contractors and retailers and agricultural loans. The Bank also makes loans secured by residential mortgages, and both fixed and floating rate second mortgage loans with a variety of plans for repayment. Real estate construction loans are also offered. The Company's chief competition includes local banks within its market area, as well as New York City money center banks and regional banks. The Company is a bank holding company registered under the Bank Holding Company Act (BHC Act) and is subject to supervision and regulation by the Federal Reserve Board.
» More Articles for SUBK

Headlines

Articles On GuruFocus.com
Suffolk Bancorp Reports Operating Results (10-K) Mar 15 2011 
Suffolk Bancorp Reports Operating Results (10-Q) May 10 2010 
Suffolk Bancorp Reports Operating Results (10-Q) Nov 04 2009 
Suffolk Bancorp Reports Operating Results (10-Q) Aug 04 2009 
Suffolk Bancorp Announces Earnings for the Fourth Quarter and the Full Year of 2008 Jan 15 2009 

More From Other Websites
SUFFOLK BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Submission of Matters... May 13 2015
Suffolk Bancorp upgraded by Keefe Bruyette May 11 2015
SUFFOLK BANCORP ANNOUNCES OPENING OF NEW LOAN PRODUCTION OFFICE AND BRANCH IN LONG ISLAND CITY May 06 2015
Suffolk Bancorp Announces Opening of New Loan Production Office and Branch in Long Island City May 06 2015
10-Q for Suffolk Bancorp May 03 2015
SUFFOLK BANCORP ANNOUNCES THE PROMOTION OF CHRISTOPHER J. HILTON TO EXECUTIVE VICE PRESIDENT, CHIEF... May 01 2015
Suffolk Bancorp Announces the Promotion of Christopher J. Hilton to Executive Vice President, Chief... May 01 2015
SUFFOLK BANCORP Files SEC form 10-Q, Quarterly Report Apr 30 2015
SUFFOLK BANCORP DECLARES QUARTERLY DIVIDEND Apr 29 2015
SUFFOLK BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 29 2015
Suffolk Bancorp Declares Quarterly Dividend Apr 29 2015
SUFFOLK BANCORP REPORTS FIRST QUARTER 2015 RESULTS Apr 22 2015
SUFFOLK BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 22 2015
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Suffolk Bancorp posts 1Q profit Apr 22 2015
Suffolk Bancorp Reports First Quarter 2015 Results Apr 22 2015
Fulton Financial Rewards Shareholders: Dividend Up 12.5% - Analyst Blog Mar 18 2015
SUFFOLK BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Mar 16 2015
SUFFOLK BANCORP Financials Mar 07 2015
10-K for Suffolk Bancorp Mar 01 2015

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