SANDY SPRING BANCORP INC (SASR)

US8003631038 - Common Stock

21.37  -0.13 (-0.6%)

After market: 21.37 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SASR. SASR was compared to 411 industry peers in the Banks industry. SASR may be in some trouble as it scores bad on both profitability and health. SASR is valued correctly, but it does not seem to be growing. SASR also has an excellent dividend rating.



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3

1. Profitability

1.1 Basic Checks

SASR had positive earnings in the past year.
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.

1.2 Ratios

With a Return On Assets value of 0.87%, SASR perfoms like the industry average, outperforming 50.85% of the companies in the same industry.
SASR has a worse Return On Equity (7.72%) than 62.77% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 7.72%
ROIC N/A
ROA(3y)1.31%
ROA(5y)1.2%
ROE(3y)11.42%
ROE(5y)10.2%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Profit Margin of SASR (29.06%) is better than 72.99% of its industry peers.
SASR's Profit Margin has been stable in the last couple of years.
SASR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.06%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.09%
PM growth 5Y-1.4%
GM growth 3YN/A
GM growth 5YN/A

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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.
SASR has about the same amout of shares outstanding than it did 1 year ago.
SASR has more shares outstanding than it did 5 years ago.
SASR has a worse debt/assets ratio than last year.

2.2 Solvency

SASR has a debt to FCF ratio of 6.02. This is a slightly negative value and a sign of low solvency as SASR would need 6.02 years to pay back of all of its debts.
The Debt to FCF ratio of SASR (6.02) is worse than 71.05% of its industry peers.
SASR has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
SASR has a worse Debt to Equity ratio (0.47) than 68.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 6.02
Altman-Z N/A
ROIC/WACCN/A
WACC14.73%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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2

3. Growth

3.1 Past

The earnings per share for SASR have decreased strongly by -15.07% in the last year.
The Earnings Per Share has been decreasing by -0.34% on average over the past years.
SASR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -17.96%.
SASR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.58% yearly.
EPS 1Y (TTM)-15.07%
EPS 3Y11.74%
EPS 5Y-0.34%
EPS growth Q2Q-24.05%
Revenue 1Y (TTM)-17.96%
Revenue growth 3Y-3.27%
Revenue growth 5Y5.58%
Revenue growth Q2Q-18.73%

3.2 Future

SASR is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.39% yearly.
The Revenue is expected to grow by 6.97% on average over the next years.
EPS Next Y-28.4%
EPS Next 2Y-1.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.39%
Revenue Next 2Y6.97%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.

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5

4. Valuation

4.1 Price/Earnings Ratio

SASR is valuated cheaply with a Price/Earnings ratio of 7.29.
Compared to the rest of the industry, the Price/Earnings ratio of SASR indicates a rather cheap valuation: SASR is cheaper than 82.97% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.25, SASR is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.19, the valuation of SASR can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SASR is on the same level as its industry peers.
SASR is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.67, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.29
Fwd PE 10.19

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SASR is valued a bit cheaper than 62.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.77
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.39%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

SASR has a Yearly Dividend Yield of 6.21%, which is a nice return.
SASR's Dividend Yield is rather good when compared to the industry average which is at 3.89. SASR pays more dividend than 91.00% of the companies in the same industry.
SASR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 6.21%

5.2 History

The dividend of SASR has a limited annual growth rate of 0.76%.
SASR has paid a dividend for at least 10 years, which is a reliable track record.
SASR has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.76%
Div Incr Years0
Div Non Decr Years13

5.3 Sustainability

49.90% of the earnings are spent on dividend by SASR. This is a bit on the high side, but may be sustainable.
DP49.9%
EPS Next 2Y-1.39%
EPS Next 3YN/A

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SANDY SPRING BANCORP INC

NASDAQ:SASR (4/25/2024, 3:20:02 PM)

After market: 21.37 0 (0%)

21.37

-0.13 (-0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap961.65M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 6.21%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 7.29
Fwd PE 10.19
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 7.72%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 29.06%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-15.07%
EPS 3Y11.74%
EPS 5Y
EPS growth Q2Q
EPS Next Y-28.4%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-17.96%
Revenue growth 3Y-3.27%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y