SANDY SPRING BANCORP INC (SASR) Stock Fundamental Analysis
USA - NASDAQ:SASR - US8003631038 - Common Stock
27.95 USD
+0.35 (+1.27%)
27.95 USD
0 (0%)
Overall SASR gets a fundamental rating of 3 out of 10. We evaluated SASR against 388 industry peers in the Banks industry. Both the profitability and financial health of SASR have multiple concerns. SASR has a correct valuation and a medium growth rate. SASR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SASR was profitable.
In the past year SASR had a positive cash flow from operations.
Each year in the past 5 years SASR has been profitable.
Each year in the past 5 years SASR had a positive operating cash flow.
1.2 Ratios
SASR has a worse Return On Assets (0.14%) than 88.83% of its industry peers.
SASR has a worse Return On Equity (1.28%) than 88.59% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
SASR has a worse Profit Margin (4.90%) than 88.09% of its industry peers.
In the last couple of years the Profit Margin of SASR has declined.
The Operating Margin and Gross Margin are not available for SASR so they could not be analyzed.
| Industry Rank | Sector 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
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.
Compared to 1 year ago, SASR has an improved debt to assets ratio.
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.
A Debt/Equity ratio of 0.28 indicates that SASR is not too dependend on debt financing.
SASR has a worse Debt to Equity ratio (0.28) than 64.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 6.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SASR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -37.54%.
The earnings per share for SASR have been decreasing by -10.91% on average. This is quite bad
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
Based on estimates for the next years, SASR will show a very strong growth in Earnings Per Share. The EPS will grow by 32.49% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.27, the valuation of SASR can be described as correct.
Based on the Price/Earnings ratio, SASR is valued a bit more expensive than 73.70% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.89, SASR is valued a bit cheaper.
SASR is valuated reasonably with a Price/Forward Earnings ratio of 11.02.
Based on the Price/Forward Earnings ratio, SASR is valued a bit more expensive than the industry average as 61.29% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, SASR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.27 | ||
| Fwd PE | 11.02 |
4.2 Price Multiples
SASR's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SASR is more expensive than 71.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.68 | ||
| EV/EBITDA | N/A |
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
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 3.39, SASR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, SASR pays a better dividend.
| Industry Rank | Sector 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
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
27.95
+0.35 (+1.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.02%
Inst Owner Change-64.78%
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.87% |
Yearly Dividend1.37
Dividend Growth(5Y)2.81%
DP309.71%
Div Incr Years0
Div Non Decr Years14
Ex-Date
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 Rank | Sector 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 NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 FAQ
Can you provide the ChartMill fundamental rating for SANDY SPRING BANCORP INC?
ChartMill assigns a fundamental rating of 3 / 10 to SASR.
What is the valuation status of SANDY SPRING BANCORP INC (SASR) stock?
ChartMill assigns a valuation rating of 4 / 10 to SANDY SPRING BANCORP INC (SASR). This can be considered as Fairly Valued.
How profitable is SANDY SPRING BANCORP INC (SASR) stock?
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.
Can you provide the expected EPS growth for SASR stock?
The Earnings per Share (EPS) of SANDY SPRING BANCORP INC (SASR) is expected to grow by 38.66% in the next year.