SANDY SPRING BANCORP INC (SASR) Fundamental Analysis & Valuation

NASDAQ:SASR • US8003631038

Current stock price

27.95 USD
+0.35 (+1.27%)
At close:
27.95 USD
0 (0%)
After Hours:

This SASR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. SASR Profitability Analysis

1.1 Basic Checks

  • In the past year SASR was profitable.
  • SASR had a positive operating cash flow in the past year.
  • SASR had positive earnings in each of the past 5 years.
  • In the past 5 years SASR always reported a positive cash flow from operatings.
SASR Yearly Net Income VS EBIT VS OCF VS FCFSASR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

1.2 Ratios

  • SASR has a Return On Assets of 0.14%. This is amonst the worse of the industry: SASR underperforms 88.83% of its industry peers.
  • With a Return On Equity value of 1.28%, SASR is not doing good in the industry: 88.59% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.14%
ROE 1.28%
ROIC N/A
ROA(3y)0.74%
ROA(5y)0.96%
ROE(3y)6.72%
ROE(5y)8.41%
ROIC(3y)N/A
ROIC(5y)N/A
SASR Yearly ROA, ROE, ROICSASR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • SASR has a Profit Margin of 4.90%. This is amonst the worse of the industry: SASR underperforms 88.09% of its industry peers.
  • SASR's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for SASR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 4.9%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-52.03%
PM growth 5Y-32.28%
GM growth 3YN/A
GM growth 5YN/A
SASR Yearly Profit, Operating, Gross MarginsSASR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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1

2. SASR Health Analysis

2.1 Basic Checks

  • SASR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SASR has more shares outstanding than it did 1 year ago.
  • SASR has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for SASR has been reduced compared to a year ago.
SASR Yearly Shares OutstandingSASR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
SASR Yearly Total Debt VS Total AssetsSASR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

  • The Debt to FCF ratio of SASR is 6.52, which is on the high side as it means it would take SASR, 6.52 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 6.52, SASR is doing worse than 71.46% of the companies in the same industry.
  • A Debt/Equity ratio of 0.28 indicates that SASR is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.28, SASR is not doing good in the industry: 64.27% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 6.52
Altman-Z N/A
ROIC/WACCN/A
WACC18.13%
SASR Yearly LT Debt VS Equity VS FCFSASR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SASR Yearly Current Assets VS Current LiabilitesSASR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SASR Growth Analysis

3.1 Past

  • The earnings per share for SASR have decreased strongly by -37.54% in the last year.
  • SASR shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.91% yearly.
  • Looking at the last year, SASR shows a decrease in Revenue. The Revenue has decreased by -3.63% in the last year.
  • Measured over the past years, SASR shows a small growth in Revenue. The Revenue has been growing by 3.84% on average per year.
EPS 1Y (TTM)-37.54%
EPS 3Y-28.28%
EPS 5Y-10.91%
EPS Q2Q%-21.67%
Revenue 1Y (TTM)-3.63%
Revenue growth 3Y-8.27%
Revenue growth 5Y3.84%
Sales Q2Q%-15.35%

3.2 Future

  • SASR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.49% yearly.
  • Based on estimates for the next years, SASR will show a very strong growth in Revenue. The Revenue will grow by 26.77% on average per year.
EPS Next Y38.66%
EPS Next 2Y32.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.51%
Revenue Next 2Y26.77%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SASR Yearly Revenue VS EstimatesSASR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
SASR Yearly EPS VS EstimatesSASR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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4

4. SASR Valuation Analysis

4.1 Price/Earnings Ratio

  • SASR is valuated correctly with a Price/Earnings ratio of 15.27.
  • SASR's Price/Earnings ratio is a bit more expensive when compared to the industry. SASR is more expensive than 73.70% of the companies in the same industry.
  • SASR is valuated rather cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • SASR is valuated reasonably with a Price/Forward Earnings ratio of 11.02.
  • 61.29% of the companies in the same industry are cheaper than SASR, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.36, SASR is valued a bit cheaper.
Industry RankSector Rank
PE 15.27
Fwd PE 11.02
SASR Price Earnings VS Forward Price EarningsSASR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SASR is valued a bit more expensive than the industry average as 71.71% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 18.68
EV/EBITDA N/A
SASR Per share dataSASR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as SASR's earnings are expected to grow with 32.49% in the coming years.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y32.49%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. SASR Dividend Analysis

5.1 Amount

  • SASR has a Yearly Dividend Yield of 4.87%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.57, SASR pays a bit more dividend than its industry peers.
  • SASR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.87%

5.2 History

  • The dividend of SASR has a limited annual growth rate of 2.81%.
  • SASR has been paying a dividend for at least 10 years, so it has a reliable track record.
  • SASR has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.81%
Div Incr Years0
Div Non Decr Years14
SASR Yearly Dividends per shareSASR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • SASR pays out 309.71% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of SASR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP309.71%
EPS Next 2Y32.49%
EPS Next 3YN/A
SASR Yearly Income VS Free CF VS DividendSASR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
SASR Dividend Payout.SASR Dividend Payout, showing the Payout Ratio.SASR Dividend Payout.PayoutRetained Earnings

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SASR Fundamentals: All Metrics, Ratios and Statistics

SANDY SPRING BANCORP INC

NASDAQ:SASR (3/31/2025, 8:00:02 PM)

After market: 27.95 0 (0%)

27.95

+0.35 (+1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)01-28
Earnings (Next)04-17
Inst Owners73.02%
Inst Owner Change0%
Ins Owners3.7%
Ins Owner Change0%
Market Cap1.26B
Revenue(TTM)406.44M
Net Income(TTM)19.90M
Analysts47.5
Price Target37.74 (35.03%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.87%
Yearly Dividend1.37
Dividend Growth(5Y)2.81%
DP309.71%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-13.76%
Min EPS beat(2)-22.85%
Max EPS beat(2)-4.66%
EPS beat(4)2
Avg EPS beat(4)-1.19%
Min EPS beat(4)-22.85%
Max EPS beat(4)15.34%
EPS beat(8)5
Avg EPS beat(8)8.49%
EPS beat(12)5
Avg EPS beat(12)1.99%
EPS beat(16)7
Avg EPS beat(16)4.27%
Revenue beat(2)0
Avg Revenue beat(2)-5.47%
Min Revenue beat(2)-9.81%
Max Revenue beat(2)-1.13%
Revenue beat(4)0
Avg Revenue beat(4)-4.71%
Min Revenue beat(4)-9.81%
Max Revenue beat(4)-1.13%
Revenue beat(8)2
Avg Revenue beat(8)-0.63%
Revenue beat(12)6
Avg Revenue beat(12)3.94%
Revenue beat(16)10
Avg Revenue beat(16)6.48%
PT rev (1m)0%
PT rev (3m)0.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.45%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.53%
Valuation
Industry RankSector Rank
PE 15.27
Fwd PE 11.02
P/S 3.1
P/FCF 18.68
P/OCF 15.07
P/B 0.81
P/tB 1.04
EV/EBITDA N/A
EPS(TTM)1.83
EY6.55%
EPS(NY)2.54
Fwd EY9.08%
FCF(TTM)1.5
FCFY5.35%
OCF(TTM)1.85
OCFY6.63%
SpS9
BVpS34.52
TBVpS26.99
PEG (NY)0.4
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA 0.14%
ROE 1.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 4.9%
GM N/A
FCFM 16.62%
ROA(3y)0.74%
ROA(5y)0.96%
ROE(3y)6.72%
ROE(5y)8.41%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-52.03%
PM growth 5Y-32.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 6.52
Debt/EBITDA N/A
Cap/Depr 61.45%
Cap/Sales 3.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 339.45%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC18.13%
ROIC/WACCN/A
Cap/Depr(3y)82.56%
Cap/Depr(5y)70.42%
Cap/Sales(3y)3.38%
Cap/Sales(5y)2.68%
Profit Quality(3y)187.41%
Profit Quality(5y)158.47%
High Growth Momentum
Growth
EPS 1Y (TTM)-37.54%
EPS 3Y-28.28%
EPS 5Y-10.91%
EPS Q2Q%-21.67%
EPS Next Y38.66%
EPS Next 2Y32.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.63%
Revenue growth 3Y-8.27%
Revenue growth 5Y3.84%
Sales Q2Q%-15.35%
Revenue Next Year25.51%
Revenue Next 2Y26.77%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-45.45%
FCF growth 3Y-30.92%
FCF growth 5Y-6.55%
OCF growth 1Y-39.26%
OCF growth 3Y-27.14%
OCF growth 5Y-3.47%

SANDY SPRING BANCORP INC / SASR Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for SANDY SPRING BANCORP INC?

ChartMill assigns a fundamental rating of 3 / 10 to SASR.


Can you provide the valuation status for SANDY SPRING BANCORP INC?

ChartMill assigns a valuation rating of 4 / 10 to SANDY SPRING BANCORP INC (SASR). This can be considered as Fairly Valued.


Can you provide the profitability details for SANDY SPRING BANCORP INC?

SANDY SPRING BANCORP INC (SASR) has a profitability rating of 2 / 10.


What are the PE and PB ratios of SANDY SPRING BANCORP INC (SASR) stock?

The Price/Earnings (PE) ratio for SANDY SPRING BANCORP INC (SASR) is 15.27 and the Price/Book (PB) ratio is 0.81.


How financially healthy is SANDY SPRING BANCORP INC?

The financial health rating of SANDY SPRING BANCORP INC (SASR) is 1 / 10.