Sun Bancorp, Inc. /NJ (SNBC) & Suffolk Bancorp (SCNB) Head-To-Head Analysis

Sun Bancorp, Inc. /NJ (NASDAQ: SNBC) and Suffolk Bancorp (NYSE:SCNB) are both small-cap financials companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, risk, profitability, valuation, earnings and dividends.

Institutional and Insider Ownership

70.3% of Sun Bancorp, Inc. /NJ shares are held by institutional investors. Comparatively, 58.8% of Suffolk Bancorp shares are held by institutional investors. 12.5% of Sun Bancorp, Inc. /NJ shares are held by insiders. Comparatively, 4.6% of Suffolk Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Sun Bancorp, Inc. /NJ and Suffolk Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Sun Bancorp, Inc. /NJ $83.00 million 5.64 $61.41 million $3.24 7.56
Suffolk Bancorp N/A N/A N/A $1.66 24.34

Sun Bancorp, Inc. /NJ has higher revenue and earnings than Suffolk Bancorp. Sun Bancorp, Inc. /NJ is trading at a lower price-to-earnings ratio than Suffolk Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of recent ratings and price targets for Sun Bancorp, Inc. /NJ and Suffolk Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Sun Bancorp, Inc. /NJ 0 0 2 0 3.00
Suffolk Bancorp 0 0 0 0 N/A

Sun Bancorp, Inc. /NJ presently has a consensus target price of $29.75, indicating a potential upside of 21.43%. Given Sun Bancorp, Inc. /NJ’s higher possible upside, equities research analysts plainly believe Sun Bancorp, Inc. /NJ is more favorable than Suffolk Bancorp.

Profitability

This table compares Sun Bancorp, Inc. /NJ and Suffolk Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Sun Bancorp, Inc. /NJ 14.52% 3.36% 0.50%
Suffolk Bancorp 18.59% 6.97% 0.70%

Dividends

Sun Bancorp, Inc. /NJ pays an annual dividend of $0.04 per share and has a dividend yield of 0.2%. Suffolk Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.0%. Sun Bancorp, Inc. /NJ pays out 1.2% of its earnings in the form of a dividend. Suffolk Bancorp pays out 24.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

Sun Bancorp, Inc. /NJ beats Suffolk Bancorp on 7 of the 12 factors compared between the two stocks.

About Sun Bancorp, Inc. /NJ

Sun Bancorp, Inc. is a bank holding company. The Company’s principal subsidiary is Sun National Bank (the Bank). Through the Bank, the Company provides an array of community banking services to consumers, small businesses and mid-size companies. The Company’s lending services to businesses include term loans, lines of credit and commercial mortgages. The Company’s commercial deposit services include business checking and money market accounts, and cash management solutions, such as online banking, electronic bill payment and wire transfer services, lockbox services, remote deposit and controlled disbursement services. The Company’s lending services to consumers consist primarily of lines of credit of overdraft sweeps. The Company’s consumer deposit services include checking accounts, savings accounts, money market accounts, certificates of deposit and individual retirement accounts.

About Suffolk Bancorp

Suffolk Bancorp is the bank holding company for Suffolk County National Bank of Riverhead (the Bank). The Bank is a community bank, which offers commercial and retail banking services to its customers. The Bank makes commercial real estate floating and fixed rate loans, multifamily and mixed use commercial loans primarily in the boroughs of New York City, commercial and industrial loans to manufacturers, wholesalers, distributors, developers/contractors and retailers and agricultural loans. The Bank finances its activities through a combination of deposits, including demand, saving, negotiable order of withdrawal and money market deposits, as well as time deposits, and short-term borrowings, which could include federal funds with correspondent banks, securities sold under agreements to repurchase and Federal Home Loan Bank (FHLB) borrowings.

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