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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 0.48
SUBK's Cash to Debt is ranked higher than
62% of the 1728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. SUBK: 0.48 )
SUBK' s 10-Year Cash to Debt Range
Min: 0.22   Max: No Debt
Current: 0.48

Equity to Asset 0.10
SUBK's Equity to Asset is ranked higher than
73% of the 2245 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
93% of the 2154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 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: 0.26
WACC vs ROIC
7.76%
13.62%
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 (%) 25.89
SUBK's Operating margin (%) is ranked higher than
68% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. SUBK: 25.89 )
SUBK' s 10-Year Operating margin (%) Range
Min: -251.79   Max: 48.8
Current: 25.89

-251.79
48.8
Net-margin (%) 20.83
SUBK's Net-margin (%) is ranked higher than
72% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.25 vs. SUBK: 20.83 )
SUBK' s 10-Year Net-margin (%) Range
Min: -2.59   Max: 194.43
Current: 20.83

-2.59
194.43
ROE (%) 8.62
SUBK's ROE (%) is ranked higher than
73% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. SUBK: 8.62 )
SUBK' s 10-Year ROE (%) Range
Min: -1.16   Max: 22.3
Current: 8.62

-1.16
22.3
ROA (%) 0.86
SUBK's ROA (%) is ranked higher than
73% of the 2361 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) (%) 78.32
SUBK's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 2323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.11 vs. SUBK: 78.32 )
SUBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -106.9   Max: 280.3
Current: 78.32

-106.9
280.3
Revenue Growth (3Y)(%) -8.40
SUBK's Revenue Growth (3Y)(%) is ranked higher than
55% of the 2005 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 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

Q1 2014

SUBK Guru Trades in Q1 2014

Private Capital 68,672 sh (-0.22%)
Jim Simons 95,200 sh (-16.37%)
» More
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
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.20
SUBK's P/E(ttm) is ranked higher than
69% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.00 vs. SUBK: 19.20 )
SUBK' s 10-Year P/E(ttm) Range
Min: 9   Max: 46.95
Current: 19.2

9
46.95
Forward P/E 20.49
SUBK's Forward P/E is ranked higher than
74% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SUBK: 20.49 )
N/A
PE(NRI) 18.70
SUBK's PE(NRI) is ranked higher than
73% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.80 vs. SUBK: 18.70 )
SUBK' s 10-Year PE(NRI) Range
Min: 9   Max: 46.25
Current: 18.7

9
46.25
P/B 1.60
SUBK's P/B is ranked higher than
61% of the 3173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. SUBK: 1.60 )
SUBK' s 10-Year P/B Range
Min: 0.53   Max: 3.82
Current: 1.6

0.53
3.82
P/S 4.00
SUBK's P/S is ranked higher than
62% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. SUBK: 4.00 )
SUBK' s 10-Year P/S Range
Min: 0.88   Max: 35.31
Current: 4

0.88
35.31
POCF 24.99
SUBK's POCF is ranked higher than
73% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 175.50 vs. SUBK: 24.99 )
SUBK' s 10-Year POCF Range
Min: 2.29   Max: 24.99
Current: 24.99

2.29
24.99
EV-to-EBIT 18.72
SUBK's EV-to-EBIT is ranked higher than
72% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.74 vs. SUBK: 18.72 )
SUBK' s 10-Year EV-to-EBIT Range
Min: -18.4   Max: 119.6
Current: 18.72

-18.4
119.6
Shiller P/E 27.30
SUBK's Shiller P/E is ranked higher than
76% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SUBK: 27.30 )
SUBK' s 10-Year Shiller P/E Range
Min: 4.06   Max: 27.3
Current: 27.3

4.06
27.3
Days Sales Outstanding 32.29
SUBK's Days Sales Outstanding is ranked higher than
88% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SUBK: 32.29 )
SUBK' s 10-Year Days Sales Outstanding Range
Min: 26.04   Max: 238.64
Current: 32.29

26.04
238.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.70
SUBK's Dividend Yield is ranked lower than
89% of the 2208 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. SUBK: 0.70 )
SUBK' s 10-Year Dividend Yield Range
Min: 0.26   Max: 4.52
Current: 0.7

0.26
4.52
Dividend Payout 0.09
SUBK's Dividend Payout is ranked higher than
97% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. SUBK: 0.09 )
SUBK' s 10-Year Dividend Payout Range
Min: 0.09   Max: 1.25
Current: 0.09

0.09
1.25
Yield on cost (5-Year) 0.70
SUBK's Yield on cost (5-Year) is ranked lower than
86% of the 2215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. SUBK: 0.70 )
SUBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.26   Max: 4.52
Current: 0.7

0.26
4.52
Share Buyback Rate -6.30
SUBK's Share Buyback Rate is ranked higher than
61% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. SUBK: -6.30 )
SUBK' s 10-Year Share Buyback Rate Range
Min: 6.4   Max: -6.3
Current: -6.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
SUBK's Price/Tangible Book is ranked higher than
71% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SUBK: 1.60 )
SUBK' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 4.12
Current: 1.6

0.58
4.12
Price/DCF (Projected) 0.90
SUBK's Price/DCF (Projected) is ranked higher than
84% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SUBK: 0.90 )
SUBK' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 1.74
Current: 0.9

0.31
1.74
Price/Median PS Value 1.10
SUBK's Price/Median PS Value is ranked higher than
77% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SUBK: 1.10 )
SUBK' s 10-Year Price/Median PS Value Range
Min: 0.38   Max: 10.2
Current: 1.1

0.38
10.2
Price/Peter Lynch Fair Value 2.00
SUBK's Price/Peter Lynch Fair Value is ranked higher than
83% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SUBK: 2.00 )
SUBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.8   Max: 1.79
Current: 2

0.8
1.79
Price/Graham Number 1.20
SUBK's Price/Graham Number is ranked higher than
73% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. SUBK: 1.20 )
SUBK' s 10-Year Price/Graham Number Range
Min: 0.97   Max: 1.75
Current: 1.2

0.97
1.75
Earnings Yield (Greenblatt) 5.20
SUBK's Earnings Yield (Greenblatt) is ranked higher than
63% of the 2339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SUBK: 5.20 )
SUBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 163.8
Current: 5.2

0.8
163.8
Forward Rate of Return (Yacktman) 14.92
SUBK's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. SUBK: 14.92 )
SUBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.1   Max: 33.5
Current: 14.92

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 NAS: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 

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SUFFOLK BANCORP Files SEC form 10-K, Annual Report Feb 27 2015
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SUFFOLK BANCORP DECLARES QUARTERLY DIVIDEND Feb 24 2015
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SUFFOLK BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 28 2015
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