Sun Bancorp, Inc. (NJ)
Sun Bancorp, Inc. (NJ) Fundamental Analysis
Sun Bancorp, Inc. (NJ) (SNBC) shows moderate financial fundamentals with a PE ratio of 7.52, profit margin of 1.04%, and ROE of 21.32%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 78.6/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze SNBC's fundamental strength across five key dimensions:
Efficiency Score
WeakSNBC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSNBC trades at attractive valuation levels.
Growth Score
WeakSNBC faces weak or negative growth trends.
Financial Health Score
ExcellentSNBC maintains a strong and stable balance sheet.
Profitability Score
WeakSNBC struggles to sustain strong margins.
Key Financial Metrics
Is SNBC Expensive or Cheap?
P/E Ratio
SNBC trades at 7.52 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SNBC's PEG of 0.08 indicates potential undervaluation.
Price to Book
The market values Sun Bancorp, Inc. (NJ) at 1.44 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 1.87 times EBITDA. This is generally considered low.
How Well Does SNBC Make Money?
Net Profit Margin
For every $100 in sales, Sun Bancorp, Inc. (NJ) keeps $1.04 as profit after all expenses.
Operating Margin
Core operations generate 15.32 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $21.32 in profit for every $100 of shareholder equity.
ROA
Sun Bancorp, Inc. (NJ) generates $2.71 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $0.52 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.52
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.08
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.44
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.29
vs 25 benchmark
Current Ratio
Current assets to current liabilities
69.14
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.21
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.004
vs 25 benchmark
How SNBC Stacks Against Its Sector Peers
| Metric | SNBC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.52 | 18.56 | Better (Cheaper) |
| ROE | 21.32% | 828.00% | Weak |
| Net Margin | 104.27% | 2518.00% | Weak |
| Debt/Equity | 0.29 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 69.14 | 663.54 | Strong Liquidity |
| ROA | 2.71% | -21156.00% (disorted) | Weak |
SNBC outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Sun Bancorp, Inc. (NJ)'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical