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SANDY SPRING BANCORP INC (SASR) Stock Fundamental Analysis

NASDAQ:SASR - Nasdaq - US8003631038 - Common Stock - Currency: USD

27.95  +0.35 (+1.27%)

After market: 27.95 0 (0%)

Fundamental Rating

3

Overall SASR gets a fundamental rating of 3 out of 10. We evaluated SASR against 396 industry peers in the Banks industry. SASR may be in some trouble as it scores bad on both profitability and health. SASR is not valued too expensively and it also shows a decent growth rate. Finally SASR also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

SASR had positive earnings in the past year.
In the past year SASR had a positive cash flow from operations.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

1.2 Ratios

SASR's Return On Assets of 0.14% is on the low side compared to the rest of the industry. SASR is outperformed by 88.83% of its industry peers.
Looking at the Return On Equity, with a value of 1.28%, SASR is doing worse than 88.59% of the companies in the same industry.
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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1

2. Health

2.1 Basic Checks

SASR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SASR has been increased compared to 1 year ago.
The number of shares outstanding for SASR has been increased compared to 5 years ago.
SASR has a better debt/assets ratio than last year.
SASR Yearly Shares OutstandingSASR Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

SASR has a debt to FCF ratio of 6.52. This is a slightly negative value and a sign of low solvency as SASR would need 6.52 years to pay back of all of its debts.
SASR has a worse Debt to FCF ratio (6.52) than 71.46% of its industry peers.
SASR has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
SASR has a Debt to Equity ratio of 0.28. This is in the lower half of the industry: SASR underperforms 64.27% of its industry peers.
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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5

3. Growth

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.
The Revenue has decreased by -3.63% in the past 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.
The Revenue is expected to grow by 26.77% on average over the next years. This is a very strong growth
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
SASR Yearly Revenue VS EstimatesSASR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.27, which indicates a correct valuation of SASR.
Compared to the rest of the industry, the Price/Earnings ratio of SASR indicates a slightly more expensive valuation: SASR is more expensive than 73.70% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.54. SASR is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 11.02 indicates a reasonable valuation of SASR.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SASR indicates a slightly more expensive valuation: SASR is more expensive than 61.29% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.44. SASR is valued rather cheaply when compared to this.
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 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SASR is valued a bit more expensive than 71.71% of the companies in the same industry.
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

SASR's 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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7

5. Dividend

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 3.29, SASR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, SASR pays a better dividend.
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 paid a dividend for at least 10 years, which is 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

309.71% of the earnings are spent on dividend by SASR. 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 2015 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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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
Earnings (Last)01-28 2025-01-28/bmo
Earnings (Next)04-17 2025-04-17/bmo
Inst Owners73.02%
Inst Owner Change-0.33%
Ins Owners3.7%
Ins Owner Change-9139.37%
Market Cap1.26B
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-Date02-12 2025-02-12 (0.34)
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
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
ROICexcg growth 3YN/A
ROICexcg 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%