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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 lower than
62% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. SUBK: 0.73 )
Ranked among companies with meaningful Cash to Debt only.
SUBK' s 10-Year Cash to Debt Range
Min: 0.21  Med: 44.99 Max: No Debt
Current: 0.73
Equity to Asset 0.10
SUBK's Equity to Asset is ranked lower than
52% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SUBK: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
SUBK' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.1
Current: 0.1
0.07
0.1
Interest Coverage 7.55
SUBK's Interest Coverage is ranked higher than
88% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. SUBK: 7.55 )
Ranked among companies with meaningful Interest Coverage only.
SUBK' s 10-Year Interest Coverage Range
Min: 0.51  Med: 1.62 Max: 9999.99
Current: 7.55
0.51
9999.99
F-Score: 3
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 : 4/10

vs
industry
vs
history
Operating margin (%) 26.39
SUBK's Operating margin (%) is ranked lower than
58% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. SUBK: 26.39 )
Ranked among companies with meaningful Operating margin (%) only.
SUBK' s 10-Year Operating margin (%) Range
Min: -251.79  Med: 38.19 Max: 48.8
Current: 26.39
-251.79
48.8
Net-margin (%) 21.16
SUBK's Net-margin (%) is ranked lower than
52% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. SUBK: 21.16 )
Ranked among companies with meaningful Net-margin (%) only.
SUBK' s 10-Year Net-margin (%) Range
Min: -2.59  Med: 26.39 Max: 194.43
Current: 21.16
-2.59
194.43
ROE (%) 8.58
SUBK's ROE (%) is ranked higher than
53% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. SUBK: 8.58 )
Ranked among companies with meaningful ROE (%) only.
SUBK' s 10-Year ROE (%) Range
Min: -1.16  Med: 18.07 Max: 22.3
Current: 8.58
-1.16
22.3
ROA (%) 0.86
SUBK's ROA (%) is ranked higher than
52% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SUBK: 0.86 )
Ranked among companies with meaningful ROA (%) only.
SUBK' s 10-Year ROA (%) Range
Min: -0.11  Med: 1.39 Max: 1.75
Current: 0.86
-0.11
1.75
ROC (Joel Greenblatt) (%) 81.41
SUBK's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. SUBK: 81.41 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SUBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -106.9  Med: 136.24 Max: 280.3
Current: 81.41
-106.9
280.3
Revenue Growth (3Y)(%) -8.40
SUBK's Revenue Growth (3Y)(%) is ranked lower than
84% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. SUBK: -8.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SUBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.30 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 21.19
SUBK's P/E(ttm) is ranked lower than
81% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. SUBK: 21.19 )
Ranked among companies with meaningful P/E(ttm) only.
SUBK' s 10-Year P/E(ttm) Range
Min: 9  Med: 15.57 Max: 46.95
Current: 21.19
9
46.95
Forward P/E 20.49
SUBK's Forward P/E is ranked lower than
93% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. SUBK: 20.49 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.30
SUBK's PE(NRI) is ranked lower than
81% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. SUBK: 22.30 )
Ranked among companies with meaningful PE(NRI) only.
SUBK' s 10-Year PE(NRI) Range
Min: 9  Med: 15.53 Max: 46.25
Current: 22.3
9
46.25
P/B 1.78
SUBK's P/B is ranked lower than
86% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SUBK: 1.78 )
Ranked among companies with meaningful P/B only.
SUBK' s 10-Year P/B Range
Min: 0.53  Med: 1.99 Max: 3.82
Current: 1.78
0.53
3.82
P/S 4.56
SUBK's P/S is ranked lower than
78% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. SUBK: 4.56 )
Ranked among companies with meaningful P/S only.
SUBK' s 10-Year P/S Range
Min: 0.88  Med: 3.47 Max: 35.31
Current: 4.56
0.88
35.31
PFCF 467.68
SUBK's PFCF is ranked lower than
100% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. SUBK: 467.68 )
Ranked among companies with meaningful PFCF only.
SUBK' s 10-Year PFCF Range
Min: 2.43  Med: 11.84 Max: 495
Current: 467.68
2.43
495
POCF 24.83
SUBK's POCF is ranked lower than
88% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. SUBK: 24.83 )
Ranked among companies with meaningful POCF only.
SUBK' s 10-Year POCF Range
Min: 2.29  Med: 11.05 Max: 26.28
Current: 24.83
2.29
26.28
EV-to-EBIT 18.25
SUBK's EV-to-EBIT is ranked lower than
68% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. SUBK: 18.25 )
Ranked among companies with meaningful EV-to-EBIT only.
SUBK' s 10-Year EV-to-EBIT Range
Min: -18.4  Med: 10.30 Max: 119.6
Current: 18.25
-18.4
119.6
Shiller P/E 32.28
SUBK's Shiller P/E is ranked lower than
86% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. SUBK: 32.28 )
Ranked among companies with meaningful Shiller P/E only.
SUBK' s 10-Year Shiller P/E Range
Min: 4.06  Med: 14.46 Max: 34.14
Current: 32.28
4.06
34.14
Days Sales Outstanding 32.12
SUBK's Days Sales Outstanding is ranked higher than
53% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. SUBK: 32.12 )
Ranked among companies with meaningful Days Sales Outstanding only.
SUBK' s 10-Year Days Sales Outstanding Range
Min: 26.04  Med: 33.50 Max: 238.64
Current: 32.12
26.04
238.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.84
SUBK's Dividend Yield is ranked lower than
92% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. SUBK: 0.84 )
Ranked among companies with meaningful Dividend Yield only.
SUBK' s 10-Year Dividend Yield Range
Min: 0.26  Med: 2.69 Max: 4.52
Current: 0.84
0.26
4.52
Dividend Payout 0.14
SUBK's Dividend Payout is ranked higher than
86% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SUBK: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
SUBK' s 10-Year Dividend Payout Range
Min: 0.17  Med: 0.38 Max: 1.38
Current: 0.14
0.17
1.38
Yield on cost (5-Year) 0.85
SUBK's Yield on cost (5-Year) is ranked lower than
91% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. SUBK: 0.85 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SUBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.26  Med: 2.69 Max: 4.52
Current: 0.85
0.26
4.52
Share Buyback Rate -6.30
SUBK's Share Buyback Rate is ranked lower than
70% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SUBK: -6.30 )
Ranked among companies with meaningful Share Buyback Rate only.
SUBK' s 10-Year Share Buyback Rate Range
Min: 6.4  Med: 2.30 Max: -6.3
Current: -6.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.82
SUBK's Price/Tangible Book is ranked lower than
80% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SUBK: 1.82 )
Ranked among companies with meaningful Price/Tangible Book only.
SUBK' s 10-Year Price/Tangible Book Range
Min: 0.58  Med: 2.31 Max: 4.12
Current: 1.82
0.58
4.12
Price/Projected FCF 1.01
SUBK's Price/Projected FCF is ranked lower than
76% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. SUBK: 1.01 )
Ranked among companies with meaningful Price/Projected FCF only.
SUBK' s 10-Year Price/Projected FCF Range
Min: 0.23  Med: 0.93 Max: 2.12
Current: 1.01
0.23
2.12
Price/Median PS Value 1.32
SUBK's Price/Median PS Value is ranked lower than
79% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. SUBK: 1.32 )
Ranked among companies with meaningful Price/Median PS Value only.
SUBK' s 10-Year Price/Median PS Value Range
Min: 0.28  Med: 1.06 Max: 10.17
Current: 1.32
0.28
10.17
Price/Peter Lynch Fair Value 2.25
SUBK's Price/Peter Lynch Fair Value is ranked lower than
630% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. SUBK: 2.25 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SUBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.75  Med: 1.23 Max: 2.7
Current: 2.25
0.75
2.7
Price/Graham Number 1.32
SUBK's Price/Graham Number is ranked lower than
84% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SUBK: 1.32 )
Ranked among companies with meaningful Price/Graham Number only.
SUBK' s 10-Year Price/Graham Number Range
Min: 0.73  Med: 1.34 Max: 1.98
Current: 1.32
0.73
1.98
Earnings Yield (Greenblatt) (%) 5.47
SUBK's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SUBK: 5.47 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SUBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 9.00 Max: 163.8
Current: 5.47
0.8
163.8
Forward Rate of Return (Yacktman) (%) 13.32
SUBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
50% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. SUBK: 13.32 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SUBK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 6.1  Med: 11.80 Max: 33.5
Current: 13.32
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 10-Q, Quarterly Report Jul 30 2015
SUFFOLK BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 29 2015
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Suffolk Bancorp Announces 67% Increase in Quarterly Cash Dividend Jul 29 2015
SUFFOLK BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 22 2015
Suffolk Bancorp posts 2Q profit Jul 22 2015
Suffolk Bancorp posts 2Q profit Jul 22 2015
Suffolk Bancorp Reports Second Quarter 2015 Results Jul 22 2015
SUFFOLK BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements... Jul 06 2015
Suffolk Bancorp Announces Retirement of Frank D. Filipo as Chief Operating Officer and Promotion of... Jul 06 2015
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

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