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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 : 5/10

vs
industry
vs
history
Cash-to-Debt No Debt
SBKK's Cash-to-Debt is ranked higher than
95% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. SBKK: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
SBKK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: No Debt Max: No Debt
Current: No Debt
0.1
No Debt
Equity-to-Asset 0.14
SBKK's Equity-to-Asset is ranked higher than
79% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. SBKK: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
SBKK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12  Med: 0.13 Max: 0.15
Current: 0.14
0.12
0.15
Debt-to-EBITDA 0.16
SBKK's Debt-to-EBITDA is ranked higher than
94% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.79 vs. SBKK: 0.16 )
Ranked among companies with meaningful Debt-to-EBITDA only.
SBKK' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.16
Current: 0.16
0
0.16
Beneish M-Score: -0.31
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 : 3/10

vs
industry
vs
history
Net Margin % 21.08
SBKK's Net Margin % is ranked lower than
62% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.15 vs. SBKK: 21.08 )
Ranked among companies with meaningful Net Margin % only.
SBKK' s Net Margin % Range Over the Past 10 Years
Min: 2.84  Med: 9.28 Max: 64.49
Current: 21.08
2.84
64.49
ROE % 7.30
SBKK's ROE % is ranked lower than
68% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. SBKK: 7.30 )
Ranked among companies with meaningful ROE % only.
SBKK' s ROE % Range Over the Past 10 Years
Min: 0.23  Med: 2.97 Max: 19.53
Current: 7.3
0.23
19.53
ROA % 0.95
SBKK's ROA % is ranked lower than
53% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. SBKK: 0.95 )
Ranked among companies with meaningful ROA % only.
SBKK' s ROA % Range Over the Past 10 Years
Min: 0.03  Med: 0.37 Max: 2.53
Current: 0.95
0.03
2.53
3-Year Revenue Growth Rate 4.80
SBKK's 3-Year Revenue Growth Rate is ranked higher than
52% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. SBKK: 4.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SBKK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -40.1  Med: -17.65 Max: 4.8
Current: 4.8
-40.1
4.8
3-Year EPS without NRI Growth Rate 39.20
SBKK's 3-Year EPS without NRI Growth Rate is ranked higher than
91% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.30 vs. SBKK: 39.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SBKK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -78.7  Med: -19.75 Max: 39.2
Current: 39.2
-78.7
39.2
GuruFocus has detected 2 Warning Signs with Suncrest Bank SBKK.
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» SBKK's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Insider Trades

Latest Guru Trades with SBKK

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

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Impact Price Range
(Average)*
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:CBWA, OTCPK:PKKW, OTCPK:HLND, OTCPK:SABK, OTCPK:PMHG, OTCPK:CFST, OTCPK:CNAF, NAS:CZFC, OTCPK:DBCP, NAS:BOTJ, OTCPK:KTHN, OTCPK:CBKM, NAS:CFBK, NAS:UBCP, NAS:FUSB, NAS:ESBK, NAS:HMTA, OTCPK:PFBX, NAS:UBOH, OTCPK:BVBC » details
Headquarter Location:USA
Suncrest Bank provides banking products and services to customers located mainly in the Central Valley of California. The bank operates through full-service branches located in Visalia, Porterville, Kingsburg, Fresno and Yuba City California.

Suncrest Bank provides banking products and services to customers located mainly in the Central Valley of California. The bank operates through full-service branches located in Visalia, Porterville, Kingsburg, Fresno and Yuba City California. It generates the majority of its revenues by providing loans to customers mainly small and middle market businesses and individuals.

Ratios

vs
industry
vs
history
PE Ratio 12.37
SBKK's PE Ratio is ranked lower than
51% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. SBKK: 12.37 )
Ranked among companies with meaningful PE Ratio only.
SBKK' s PE Ratio Range Over the Past 10 Years
Min: 10.74  Med: 20.71 Max: 721.43
Current: 12.37
10.74
721.43
PE Ratio without NRI 12.37
SBKK's PE Ratio without NRI is ranked higher than
50% of the 1532 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.43 vs. SBKK: 12.37 )
Ranked among companies with meaningful PE Ratio without NRI only.
SBKK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.74  Med: 20.71 Max: 721.43
Current: 12.37
10.74
721.43
PB Ratio 0.62
SBKK's PB Ratio is ranked higher than
78% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. SBKK: 0.62 )
Ranked among companies with meaningful PB Ratio only.
SBKK' s PB Ratio Range Over the Past 10 Years
Min: 0.56  Med: 1.16 Max: 1.4
Current: 0.62
0.56
1.4
PS Ratio 2.61
SBKK's PS Ratio is ranked higher than
58% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.01 vs. SBKK: 2.61 )
Ranked among companies with meaningful PS Ratio only.
SBKK' s PS Ratio Range Over the Past 10 Years
Min: 2.36  Med: 3.45 Max: 11.29
Current: 2.61
2.36
11.29
Price-to-Free-Cash-Flow 13.78
SBKK's Price-to-Free-Cash-Flow is ranked lower than
70% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.27 vs. SBKK: 13.78 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SBKK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 10.38  Med: 15.2 Max: 23.78
Current: 13.78
10.38
23.78
Price-to-Operating-Cash-Flow 13.42
SBKK's Price-to-Operating-Cash-Flow is ranked lower than
75% of the 948 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.19 vs. SBKK: 13.42 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SBKK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 10.38  Med: 13.61 Max: 23.78
Current: 13.42
10.38
23.78
EV-to-Revenue 0.43
SBKK's EV-to-Revenue is ranked higher than
94% of the 1325 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.55 vs. SBKK: 0.43 )
Ranked among companies with meaningful EV-to-Revenue only.
SBKK' s EV-to-Revenue Range Over the Past 10 Years
Min: -10.7  Med: 2.5 Max: 89.5
Current: 0.43
-10.7
89.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -38.10
SBKK's 3-Year Average Share Buyback Ratio is ranked lower than
96% of the 1137 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. SBKK: -38.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SBKK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -53.7  Med: -45.9 Max: -38.1
Current: -38.1
-53.7
-38.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.95
SBKK's Price-to-Tangible-Book is ranked higher than
63% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SBKK: 0.95 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SBKK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.61  Med: 1.16 Max: 1.4
Current: 0.95
0.61
1.4
Price-to-Median-PS-Value 0.76
SBKK's Price-to-Median-PS-Value is ranked higher than
80% of the 1524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. SBKK: 0.76 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SBKK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.76  Med: 0.98 Max: 3.13
Current: 0.76
0.76
3.13
Price-to-Graham-Number 0.72
SBKK's Price-to-Graham-Number is ranked higher than
62% of the 1476 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SBKK: 0.72 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SBKK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.7  Med: 0.95 Max: 6.45
Current: 0.72
0.7
6.45

More Statistics

Revenue (TTM) (Mil) $30.74
EPS (TTM) $ 0.93
Beta0.56
Volatility20.60%
52-Week Range $9.95 - 13.60
Shares Outstanding (Mil)6.98

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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