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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 23.43
SUBK's Cash to Debt is ranked higher than
86% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SUBK: 23.43 )
SUBK' s 10-Year Cash to Debt Range
Min: 0.21   Max: No Debt
Current: 23.43

Equity to Asset 0.10
SUBK's Equity to Asset is ranked higher than
75% of the 1739 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
92% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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 (%) 24.26
SUBK's Operating margin (%) is ranked higher than
68% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. SUBK: 24.26 )
SUBK' s 10-Year Operating margin (%) Range
Min: -251.79   Max: 48.8
Current: 24.26

-251.79
48.8
Net-margin (%) 18.51
SUBK's Net-margin (%) is ranked higher than
70% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. SUBK: 18.51 )
SUBK' s 10-Year Net-margin (%) Range
Min: -2.59   Max: 194.43
Current: 18.51

-2.59
194.43
ROE (%) 8.74
SUBK's ROE (%) is ranked higher than
77% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. SUBK: 8.74 )
SUBK' s 10-Year ROE (%) Range
Min: -1.16   Max: 22.3
Current: 8.74

-1.16
22.3
ROA (%) 0.86
SUBK's ROA (%) is ranked higher than
77% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 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) (%) 75.88
SUBK's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. SUBK: 75.88 )
SUBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -106.9   Max: 232.31
Current: 75.88

-106.9
232.31
Revenue Growth (%) -10.20
SUBK's Revenue Growth (%) is ranked higher than
57% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SUBK: -10.20 )
SUBK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 98.8
Current: -10.2

0
98.8
EBITDA Growth (%) 30.20
SUBK's EBITDA Growth (%) is ranked higher than
93% of the 1376 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: 30.2
Current: 30.2

0
30.2
EPS Growth (%) 19.20
SUBK's EPS Growth (%) is ranked higher than
85% of the 1375 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

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
Q2 2014

SUBK Guru Trades in Q2 2014

Private Capital 66,172 sh (-3.64%)
Jim Simons 91,200 sh (-4.2%)
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.70
SUBK's P/E(ttm) is ranked higher than
72% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. SUBK: 15.70 )
SUBK' s 10-Year P/E(ttm) Range
Min: 9   Max: 46.95
Current: 15.7

9
46.95
P/B 1.28
SUBK's P/B is ranked higher than
67% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SUBK: 1.28 )
SUBK' s 10-Year P/B Range
Min: 0.53   Max: 3.88
Current: 1.28

0.53
3.88
P/S 2.91
SUBK's P/S is ranked higher than
75% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SUBK: 2.91 )
SUBK' s 10-Year P/S Range
Min: 0.88   Max: 35.31
Current: 2.91

0.88
35.31
PFCF 12.77
SUBK's PFCF is ranked higher than
79% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. SUBK: 12.77 )
SUBK' s 10-Year PFCF Range
Min: 2.43   Max: 18.64
Current: 12.77

2.43
18.64
EV-to-EBIT 6.81
SUBK's EV-to-EBIT is ranked higher than
94% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. SUBK: 6.81 )
SUBK' s 10-Year EV-to-EBIT Range
Min: 0.6   Max: 79.9
Current: 6.81

0.6
79.9
Shiller P/E 19.41
SUBK's Shiller P/E is ranked higher than
82% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 vs. SUBK: 19.41 )
SUBK' s 10-Year Shiller P/E Range
Min: 4.08   Max: 23.18
Current: 19.41

4.08
23.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.30
SUBK's Dividend Yield is ranked lower than
93% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. SUBK: 0.30 )
SUBK' s 10-Year Dividend Yield Range
Min: 2.07   Max: 4.11
Current: 0.3

2.07
4.11
Dividend growth (3y) -100.00
SUBK's Dividend growth (3y) is ranked higher than
57% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. SUBK: -100.00 )
SUBK' s 10-Year Dividend growth (3y) Range
Min: -100   Max: 24.7
Current: -100

-100
24.7
Yield on cost (5-Year) 0.30
SUBK's Yield on cost (5-Year) is ranked lower than
92% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. SUBK: 0.30 )
SUBK' s 10-Year Yield on cost (5-Year) Range
Min: 2.07   Max: 4.11
Current: 0.3

2.07
4.11
Share Buyback Rate -6.30
SUBK's Share Buyback Rate is ranked higher than
63% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.30
SUBK's Price/Tangible Book is ranked higher than
73% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. SUBK: 1.30 )
SUBK' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 4.12
Current: 1.3

0.58
4.12
Price/DCF (Projected) 0.65
SUBK's Price/DCF (Projected) is ranked higher than
81% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SUBK: 0.65 )
SUBK' s 10-Year Price/DCF (Projected) Range
Min: 0.23   Max: 2.12
Current: 0.65

0.23
2.12
Price/Median PS Value 0.81
SUBK's Price/Median PS Value is ranked higher than
94% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SUBK: 0.81 )
SUBK' s 10-Year Price/Median PS Value Range
Min: 0.27   Max: 9.83
Current: 0.81

0.27
9.83
Price/Graham Number 0.95
SUBK's Price/Graham Number is ranked higher than
77% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SUBK: 0.95 )
SUBK' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 1.98
Current: 0.95

0.73
1.98
Earnings Yield (Greenblatt) 14.70
SUBK's Earnings Yield (Greenblatt) is ranked higher than
92% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SUBK: 14.70 )
SUBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 163.8
Current: 14.7

1.3
163.8
Forward Rate of Return (Yacktman) 9.75
SUBK's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. SUBK: 9.75 )
SUBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6   Max: 25.1
Current: 9.75

6
25.1

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.
» 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 Financials Aug 06 2014
SUFFOLK BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 31 2014
SUFFOLK BANCORP Files SEC form 10-Q, Quarterly Report Jul 30 2014
Suffolk Bancorp Reinstates Quarterly Dividend Jul 30 2014
SUFFOLK BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 22 2014
Suffolk Bancorp Reports Second Quarter 2014 Results Jul 22 2014
SUFFOLK BANCORP Files SEC form 8-K, Other Events May 28 2014
MOVES- Man Group, Goldman Sachs, JP Morgan, Merrill Lynch May 07 2014
SUFFOLK BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 01 2014
SUFFOLK BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 23 2014
SUFFOLK BANCORP Files SEC form 10-K, Annual Report Mar 04 2014
SUFFOLK BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 27 2014
SUFFOLK BANCORP ANNOUNCES SETTLEMENT OF ALL SHAREHOLDER LITIGATION Nov 14 2013
Suffolk Bancorp settles all outstanding shareholder litigation Nov 14 2013
SUFFOLK BANCORP Files SEC form 8-K, Other Events Nov 07 2013
Suffolk Bancorp to close four branches Nov 07 2013
SUFFOLK BANCORP ANNOUNCES OPENING OF LOAN PRODUCTION OFFICE IN GARDEN CITY Nov 04 2013
SUFFOLK BANCORP Files SEC form 10-Q, Quarterly Report Oct 31 2013
SUFFOLK BANCORP REPORTS THIRD QUARTER 2013 RESULTS Oct 24 2013

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