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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 20.96
SUBK's Cash to Debt is ranked higher than
85% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. SUBK: 20.96 )
SUBK' s 10-Year Cash to Debt Range
Min: 0.21   Max: No Debt
Current: 20.96

Equity to Asset 0.10
SUBK's Equity to Asset is ranked higher than
75% of the 1643 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 5.61
SUBK's Interest Coverage is ranked higher than
93% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. SUBK: 5.61 )
SUBK' s 10-Year Interest Coverage Range
Min: 0.51   Max: 9999.99
Current: 5.61

0.51
9999.99
F-Score: 6
Z-Score: 0.26
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 : 6/10

vs
industry
vs
history
Operating margin (%) 21.56
SUBK's Operating margin (%) is ranked higher than
63% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. SUBK: 21.56 )
SUBK' s 10-Year Operating margin (%) Range
Min: -5.4   Max: 48.8
Current: 21.56

-5.4
48.8
Net-margin (%) 16.68
SUBK's Net-margin (%) is ranked higher than
66% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. SUBK: 16.68 )
SUBK' s 10-Year Net-margin (%) Range
Min: -2.59   Max: 30.53
Current: 16.68

-2.59
30.53
ROE (%) 7.61
SUBK's ROE (%) is ranked higher than
72% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. SUBK: 7.61 )
SUBK' s 10-Year ROE (%) Range
Min: -1.07   Max: 21.96
Current: 7.61

-1.07
21.96
ROA (%) 0.75
SUBK's ROA (%) is ranked higher than
72% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. SUBK: 0.75 )
SUBK' s 10-Year ROA (%) Range
Min: -0.11   Max: 1.67
Current: 0.75

-0.11
1.67
ROC (Joel Greenblatt) (%) 65.08
SUBK's ROC (Joel Greenblatt) (%) is ranked higher than
72% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. SUBK: 65.08 )
SUBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -15.37   Max: 224.04
Current: 65.08

-15.37
224.04
Revenue Growth (%) -10.20
SUBK's Revenue Growth (%) is ranked higher than
55% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SUBK: -10.20 )
SUBK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 11.9
Current: -10.2

0
11.9
EBITDA Growth (%) 30.20
SUBK's EBITDA Growth (%) is ranked higher than
92% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SUBK: 30.20 )
SUBK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 158.6
Current: 30.2

0
158.6
EPS Growth (%) 19.20
SUBK's EPS Growth (%) is ranked higher than
84% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. SUBK: 19.20 )
SUBK' s 10-Year EPS Growth (%) Range
Min: -33.7   Max: 19.2
Current: 19.2

-33.7
19.2
» SUBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

SUBK Guru Trades in Q2 2013

Private Capital 75,493 sh (+4.86%)
Jim Simons 135,800 sh (-5.08%)
» More
Q3 2013

SUBK Guru Trades in Q3 2013

Private Capital 70,833 sh (-6.17%)
Jim Simons 125,300 sh (-7.73%)
» More
Q4 2013

SUBK Guru Trades in Q4 2013

Private Capital 68,822 sh (-2.84%)
Jim Simons 113,830 sh (-9.15%)
» More
Q1 2014

SUBK Guru Trades in Q1 2014

Private Capital 68,672 sh (-0.22%)
Jim Simons 95,200 sh (-16.37%)
» More
» Details

Insider Trades

Latest Guru Trades with SUBK



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.60
SUBK's P/E(ttm) is ranked higher than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. SUBK: 17.60 )
SUBK' s 10-Year P/E(ttm) Range
Min: 9   Max: 46.95
Current: 17.6

9
46.95
P/B 1.40
SUBK's P/B is ranked higher than
63% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SUBK: 1.40 )
SUBK' s 10-Year P/B Range
Min: 0.53   Max: 4.01
Current: 1.4

0.53
4.01
P/S 3.14
SUBK's P/S is ranked higher than
70% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SUBK: 3.14 )
SUBK' s 10-Year P/S Range
Min: 0.88   Max: 5.61
Current: 3.14

0.88
5.61
PFCF 11.70
SUBK's PFCF is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. SUBK: 11.70 )
SUBK' s 10-Year PFCF Range
Min: 2.43   Max: 18.64
Current: 11.7

2.43
18.64
EV-to-EBIT 8.40
SUBK's EV-to-EBIT is ranked higher than
90% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. SUBK: 8.40 )
SUBK' s 10-Year EV-to-EBIT Range
Min: 0.6   Max: 79.9
Current: 8.4

0.6
79.9
Shiller P/E 19.60
SUBK's Shiller P/E is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. SUBK: 19.60 )
SUBK' s 10-Year Shiller P/E Range
Min: 4.08   Max: 24.27
Current: 19.6

4.08
24.27

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
SUBK's Price/Tangible Book is ranked higher than
68% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. SUBK: 1.40 )
SUBK' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 4.12
Current: 1.4

0.58
4.12
Price/DCF (Projected) 0.70
SUBK's Price/DCF (Projected) is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. SUBK: 0.70 )
SUBK' s 10-Year Price/DCF (Projected) Range
Min: 0.23   Max: 1.87
Current: 0.7

0.23
1.87
Price/Median PS Value 0.90
SUBK's Price/Median PS Value is ranked higher than
90% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. SUBK: 0.90 )
SUBK' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 1.72
Current: 0.9

0.26
1.72
Price/Graham Number 1.10
SUBK's Price/Graham Number is ranked higher than
69% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. SUBK: 1.10 )
SUBK' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 1.98
Current: 1.1

0.73
1.98
Earnings Yield (Greenblatt) 11.90
SUBK's Earnings Yield (Greenblatt) is ranked higher than
87% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SUBK: 11.90 )
SUBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 163.8
Current: 11.9

1.3
163.8
Forward Rate of Return (Yacktman) 9.49
SUBK's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. SUBK: 9.49 )
SUBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8.8   Max: 26
Current: 9.49

-8.8
26

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Suffolk Bancorp was incorporated in 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 income of the company is mainly derived through the operations of the Bank and its subsidiaries, consisting of the real estate investment trust (the "REIT") Suffolk Greenway, Inc., an insurance agency and two corporations used to acquire foreclosed real estate. The insurance agency and the two corporations used to acquire foreclosed real estate are immaterial to the Company's operations. The Bank is a full-service bank serving the needs of its local residents through 30 branches in Suffolk County, New York and a loan production office in Melville, New York. Among the services offered by the Bank are checking accounts, savings accounts, time and savings certificates, money market accounts, N.O.W. accounts, holiday club accounts, and individual retirement accounts; secured and unsecured loans, including commercial loans to individuals, partnerships, and corporations, agricultural loans to farmers, installment loans to finance small businesses and automobiles; home equity and real estate mortgage loans; safe deposit boxes; trust and estate services; the sale of mutual funds and annuities; and the maintenance of a master pension plan for self-employed individuals' participation. The OCC regularly examines the Bank and records of the Bank. The FDIC also periodically examines and evaluates insured banks. In addition, the Federal Reserve Board regularly examines the Company and records of the Company.

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