Surrey Bancorp (SRYB) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Surrey Bancorp (SRYB) trades at $16.70. Surrey Bancorp, established in 2003, operates as the holding company for Surrey Bank & Trust, offering banking services in North Carolina and Virginia. Market cap: $69.6M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for SRYB: SRYB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SRYB against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
SRYB: the 3 scored disciplines are evenly split. Dominant signal: Izzy Englander bullish.
How is this calculated? →Surrey Bancorp (SRYB) Financial Services Profile
Surrey Bancorp, operating through Surrey Bank & Trust, provides banking products and services to individuals and businesses in North Carolina and Virginia. With a market capitalization of $69.6M and a P/E ratio of 13.5, the company focuses on traditional banking services within its regional footprint, facing competition from larger regional and national banks.
What Is the Investment Thesis for SRYB?
Surrey Bancorp presents a focused investment opportunity within the regional banking sector, primarily serving North Carolina and Virginia. With a P/E ratio of 13.5 and a profit margin of 33.2%, the company demonstrates profitability. However, investors may want to evaluate the competitive landscape and the company's reliance on a limited geographic area. Growth catalysts include potential expansion within its existing markets and increased adoption of digital banking services. Key value drivers include maintaining a strong net interest margin and effectively managing credit risk. The absence of a dividend yield may deter some investors seeking income. The company's OTC listing introduces liquidity and regulatory considerations.
Based on FMP financials and quantitative analysis
SRYB Key Highlights
Market capitalization of $69.6M indicates a smaller community bank.
- P/E ratio of 13.5 suggests a potentially reasonable valuation compared to earnings.
- Profit margin of 33.2% demonstrates strong profitability in the banking sector.
- Gross margin of 100.0% reflects the nature of banking revenue, primarily net interest income and fees.
- Beta of 0.67 indicates lower volatility compared to the overall market.
Who Are SRYB's Competitors?
SRYB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BCSO Bancorp. of Southern Indiana | $60.00 | +0.00% | $80.9M | 48 |
| CCVS Citizens Commerce Bancshares, Inc. | $15.50 | +0.00% | $61.8M | 46 |
| CFGW Community Financial Group, Inc. | $44.00 | +8.51% | $68.0M | 59 |
| CNUN Community Bancshares, Inc. | $75.00 | +0.00% | $98.1M | 46 |
| CRSB Cornerstone Community Bancorp | $40.00 | +2.56% | $60.4M | 45 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SRYB's Key Strengths?
Strong presence in local markets.
- Established customer relationships.
- Profitable operations with a 33.2% profit margin.
- Low beta of 0.67 indicating lower volatility.
What Are SRYB's Weaknesses?
Limited geographic diversification.
- Reliance on traditional banking services.
- Smaller market capitalization compared to larger regional banks.
- Lack of dividend may deter some investors.
What Could Drive SRYB Stock Higher?
Potential expansion into new geographic markets.
- Increased adoption of digital banking services.
- Growth in commercial lending portfolio.
- Efforts to increase fee income generation.
- Potential for strategic acquisitions.
What Are the Key Risks for SRYB?
Competition from larger national and regional banks.
- Interest rate fluctuations affecting net interest margin.
- Regulatory changes impacting banking operations.
- Economic downturns affecting loan demand and credit quality.
- Limited liquidity due to OTC listing.
What Are the Growth Opportunities for SRYB?
- Expansion within Existing Markets: Surrey Bancorp can grow by increasing its market share within Surry County, North Carolina, and Patrick County, Virginia. This involves attracting new customers and expanding relationships with existing clients. The market size for banking services in these counties is estimated to be several billion dollars, offering significant potential for growth. Timeline: Ongoing.
- Digital Banking Adoption: Investing in and promoting digital banking services can attract younger customers and improve efficiency. This includes mobile banking, online account management, and digital payment solutions. The market for digital banking is growing rapidly, with an estimated value of hundreds of billions of dollars. Timeline: Ongoing.
- Commercial Lending Growth: Expanding its commercial lending portfolio can drive revenue growth. This involves providing loans and credit products to small and medium-sized businesses in its service area. The market for commercial lending is substantial, with significant demand from businesses seeking capital for expansion and operations. Timeline: Ongoing.
- Fee Income Generation: Increasing fee income through services such as cash management, merchant card services, and international banking can diversify revenue streams. The market for these services is growing as businesses seek more sophisticated financial solutions. Timeline: Ongoing.
- Strategic Acquisitions: Acquiring smaller community banks or branches in adjacent markets can expand Surrey Bancorp's geographic footprint and customer base. The market for bank acquisitions is active, with opportunities for strategic consolidation. Timeline: Potential, dependent on market conditions and regulatory approvals.
What Are SRYB's Competitive Advantages?
- Local Market Knowledge: Deep understanding of the local markets in Surry County, North Carolina, and Patrick County, Virginia.
- Customer Relationships: Strong relationships with local customers and businesses.
- Community Bank Reputation: Reputation as a community-focused bank providing personalized service.
- Established Branch Network: Physical branch network providing convenient access for customers.
What Does SRYB Do?
Surrey Bancorp, founded in 2003, serves as the bank holding company for Surrey Bank & Trust. The bank provides a range of financial products and services to individuals and small to medium-sized businesses primarily within Surry County, North Carolina, and Patrick County, Virginia, and the surrounding areas. Its offerings include traditional banking services such as checking and savings accounts, certificates of deposit, and individual retirement accounts. Additionally, Surrey Bank & Trust provides lending solutions, including mortgages, real estate loans, consumer loans, personal loans, and lines of credit. For commercial clients, the bank offers commercial credit products and government-guaranteed loans. The bank also provides credit card services, cash management, international banking services, merchant card services, electronic banking, and safe deposit box services. Headquartered in Mount Airy, North Carolina, Surrey Bancorp focuses on building relationships within its community and providing personalized financial services. The company's strategy centers on serving the financial needs of its local markets, emphasizing customer service and community involvement. Surrey Bancorp competes with other community and regional banks, as well as larger national institutions, for deposits and loans within its service area.
What Products and Services Does SRYB Offer?
- Offers checking and savings accounts
- Provides certificates of deposit
- Provides individual retirement accounts (IRAs)
- Offers mortgage loans
- Provides real estate loans
- Offers consumer and personal loans
- Provides lines of credit
- Offers commercial credit products
- Provides government-guaranteed loans
- Offers credit cards
- Provides cash management services
- Provides international banking services
- Provides merchant card services
- Offers electronic banking services
- Provides safe deposit box services
How Does SRYB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as cash management, merchant card processing, and international banking.
- Manages deposits and provides banking services to individuals and businesses.
- Invests in securities to generate additional income.
What Industry Does SRYB Operate In?
Surrey Bancorp operates within the regional banking industry, which is characterized by intense competition from larger national banks, credit unions, and fintech companies. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic conditions. Regional banks like Surrey Bancorp focus on building relationships with local customers and providing personalized service. The market is seeing increased adoption of digital banking solutions, requiring banks to invest in technology to remain competitive. The regional banking sector is also subject to regulatory oversight, including capital requirements and lending restrictions.
Who Are SRYB's Key Customers?
- Individuals residing in Surry County, North Carolina, and Patrick County, Virginia.
- Small to medium-sized businesses operating in the service area.
- Commercial clients seeking credit products and banking services.
Company Profile
Surrey Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Mount Airy, US. The company is led by CEO Edward C. Ashby III. SRYB has traded publicly since 2009.
Financial Health
Surrey Bancorp's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile.
Key Financial Metrics
Return on equity for Surrey Bancorp stands at 11.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.7%, showing how much profit it generates from its asset base. SRYB trades at a trailing price-to-earnings ratio of 13.48, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.4%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 7.4%, the inverse of the P/E and a quick read on earnings relative to price.
SRYB Valuation & Market Position
With a $69.6M market cap, Surrey Bancorp sits in the micro-cap segment of the market.
SRYB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying signals confidence in Surrey Bancorp's future performance, suggesting management believes the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong local presence and customer loyalty.
- Analysts have noted improvements in the bank's lending practices, which could lead to better profitability moving forward.
- Recent regulatory developments favoring community banks are seen as beneficial for Surrey's growth prospects.
Bear Case
- Concerns over rising interest rates have led some investors to question the bank's ability to maintain margins in a competitive lending environment.
- Negative sentiment in online forums reflects worries about potential economic slowdowns impacting local businesses, which are key clients.
- Some analysts have pointed out that the bank's growth has been slower compared to peers, raising doubts about its market positioning.
- Recent earnings reports have shown mixed results, leading to skepticism about the bank's ability to deliver consistent performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
SRYB Latest News
No recent news available for SRYB.
SRYB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SRYB.
Price Targets
Wall Street price target analysis for SRYB.
SRYB MoonshotScore
What does this score mean?
The MoonshotScore rates SRYB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Edward C. Ashby III
CEO
Edward C. Ashby III serves as the CEO of Surrey Bancorp. His background includes extensive experience in the banking industry, with a focus on community banking and financial services. He has held various leadership positions throughout his career, demonstrating expertise in strategic planning, risk management, and customer relationship management. Ashby's experience includes a deep understanding of the regulatory environment and the challenges facing community banks. He is committed to serving the financial needs of the local community and driving sustainable growth for Surrey Bancorp.
Track Record: Under Edward C. Ashby III's leadership, Surrey Bancorp has focused on maintaining a strong financial position and serving the needs of its customers. Key achievements include navigating the challenges of the economic environment and maintaining profitability. Strategic decisions have focused on managing credit risk and investing in technology to improve customer service. Ashby has overseen the company's efforts to expand its commercial lending portfolio and increase fee income.
SRYB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Surrey Bancorp may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not be subject to the same level of regulatory scrutiny as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited liquidity due to low trading volume.
- Potential for wider bid-ask spreads.
- Less regulatory oversight compared to major exchanges.
- Information scarcity due to limited disclosure requirements.
- Higher risk of fraud or manipulation.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any legal or regulatory issues.
- Understand the company's capital structure and ownership.
- Consult with a financial advisor before investing.
- Established business operations since 2003.
- Audited financial statements (if available).
- Management team with experience in the banking industry.
- Membership in industry associations.
- Positive customer reviews and testimonials.
Common Questions About SRYB (Financial Services)
What does Surrey Bancorp do?
Surrey Bancorp, through its subsidiary Surrey Bank & Trust, provides a range of banking products and services to individuals and small to medium-sized businesses. These services include checking and savings accounts, loans, and other financial solutions. The company operates primarily in Surry County, North Carolina, and Patrick County, Virginia, focusing on building relationships with local customers and providing personalized service.
What do analysts say about SRYB stock?
Analyst coverage for SRYB is limited due to its smaller market capitalization and OTC listing. Key valuation metrics include the P/E ratio of 13.5 and a profit margin of 33.2%. Growth considerations include the company's ability to expand within its existing markets and increase adoption of digital banking services.
What are the main risks for SRYB?
The main risks for Surrey Bancorp include competition from larger national and regional banks, interest rate fluctuations affecting net interest margin, regulatory changes impacting banking operations, and economic downturns affecting loan demand and credit quality. Additionally, the company's OTC listing introduces liquidity and regulatory considerations.
What are the key factors to evaluate for SRYB?
Evaluate SRYB on fundamentals, analyst consensus, and risk factors. P/E: 13.5x vs the S&P 500's ~20-25x. Surrey Bancorp presents a focused investment opportunity within the regional banking sector, primarily serving North Carolina and Virginia. Not financial advice.
How frequently does SRYB data refresh on this page?
SRYB's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SRYB's recent stock price performance?
Surrey Bancorp (SRYB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in local markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SRYB overvalued or undervalued right now?
Surrey Bancorp (SRYB) trades at 13.5x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SRYB before investing?
Before investing in Surrey Bancorp (SRYB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for SRYB.
- OTC listing introduces liquidity and regulatory considerations.
- Financial data based on available information as of 2026-03-18.