SIGNATURE BANK (SBNY) Fundamental Analysis & Valuation

NASDAQ:SBNY • US82669G1040

Current stock price

70 USD
-20.76 (-22.87%)
At close:
69.62 USD
-0.38 (-0.54%)
Pre-Market:

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

3

1. SBNY Profitability Analysis

1.1 Basic Checks

  • In the past year SBNY was profitable.
  • SBNY had a positive operating cash flow in the past year.
SBNY Yearly Net Income VS EBIT VS OCF VS FCFSBNY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.11%, SBNY is in line with its industry, outperforming 51.33% of the companies in the same industry.
  • The Return On Equity of SBNY (16.54%) is better than 84.57% of its industry peers.
Industry RankSector Rank
ROA 1.11%
ROE 16.54%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SBNY Yearly ROA, ROE, ROICSBNY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

  • SBNY has a Profit Margin of 49.26%. This is amongst the best in the industry. SBNY outperforms 98.94% of its industry peers.
  • In the last couple of years the Profit Margin of SBNY has grown nicely.
  • SBNY 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) 49.26%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.51%
PM growth 5Y5.73%
GM growth 3YN/A
GM growth 5YN/A
SBNY Yearly Profit, Operating, Gross MarginsSBNY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 10 20 30 40

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3

2. SBNY Health Analysis

2.1 Basic Checks

  • SBNY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for SBNY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
SBNY Yearly Shares OutstandingSBNY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M
SBNY Yearly Total Debt VS Total AssetsSBNY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 20B 40B 60B 80B 100B

2.2 Solvency

  • SBNY has a debt to FCF ratio of 0.58. This is a very positive value and a sign of high solvency as it would only need 0.58 years to pay back of all of its debts.
  • The Debt to FCF ratio of SBNY (0.58) is better than 88.03% of its industry peers.
  • SBNY has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of SBNY (0.07) is better than 76.06% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.58
Altman-Z N/A
ROIC/WACCN/A
WACC7.92%
SBNY Yearly LT Debt VS Equity VS FCFSBNY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SBNY Yearly Current Assets VS Current LiabilitesSBNY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M 1B

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

6

3. SBNY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 41.94% over the past year.
  • SBNY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.26% yearly.
  • The Revenue has grown by 39.46% in the past year. This is a very strong growth!
  • SBNY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.96% yearly.
EPS 1Y (TTM)41.94%
EPS 3Y17.61%
EPS 5Y15.26%
EPS Q2Q%43.56%
Revenue 1Y (TTM)39.46%
Revenue growth 3Y14.04%
Revenue growth 5Y10.96%
Sales Q2Q%40.1%

3.2 Future

  • SBNY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.56% yearly.
  • SBNY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.98% yearly.
EPS Next Y42.69%
EPS Next 2Y-0.32%
EPS Next 3Y2.56%
EPS Next 5YN/A
Revenue Next Year36.38%
Revenue Next 2Y12.21%
Revenue Next 3Y10.98%
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
SBNY Yearly Revenue VS EstimatesSBNY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
SBNY Yearly EPS VS EstimatesSBNY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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8

4. SBNY Valuation Analysis

4.1 Price/Earnings Ratio

  • SBNY is valuated cheaply with a Price/Earnings ratio of 3.54.
  • Compared to the rest of the industry, the Price/Earnings ratio of SBNY indicates a rather cheap valuation: SBNY is cheaper than 94.68% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of SBNY to the average of the S&P500 Index (25.70), we can say SBNY is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 4.69, the valuation of SBNY can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SBNY indicates a rather cheap valuation: SBNY is cheaper than 91.76% of the companies listed in the same industry.
  • SBNY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 3.54
Fwd PE 4.69
SBNY Price Earnings VS Forward Price EarningsSBNY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 82.18% of the companies in the same industry are more expensive than SBNY, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.56
EV/EBITDA N/A
SBNY Per share dataSBNY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

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.
PEG (NY)0.08
PEG (5Y)0.23
EPS Next 2Y-0.32%
EPS Next 3Y2.56%

More info and screens

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

3

5. SBNY Dividend Analysis

5.1 Amount

  • SBNY has a Yearly Dividend Yield of 2.19%.
  • In the last 3 months the price of SBNY has falen by -40.96%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • SBNY's Dividend Yield is slightly below the industry average, which is at 2.87.
  • SBNY's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.19%

5.2 History

  • SBNY has been paying a dividend for over 5 years, so it has already some track record.
  • SBNY has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years4
SBNY Yearly Dividends per shareSBNY Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 0.5 1 1.5 2

5.3 Sustainability

  • 13.87% of the earnings are spent on dividend by SBNY. This is a low number and sustainable payout ratio.
DP13.87%
EPS Next 2Y-0.32%
EPS Next 3Y2.56%
SBNY Yearly Income VS Free CF VS DividendSBNY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M
SBNY Dividend Payout.SBNY Dividend Payout, showing the Payout Ratio.SBNY Dividend Payout.PayoutRetained Earnings

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SBNY Fundamentals: All Metrics, Ratios and Statistics

SIGNATURE BANK

NASDAQ:SBNY (3/10/2023, 8:00:02 PM)

Premarket: 69.62 -0.38 (-0.54%)

70

-20.76 (-22.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-17
Earnings (Next)04-17
Inst Owners0.65%
Inst Owner Change-1.07%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.40B
Revenue(TTM)2.58B
Net Income(TTM)1.27B
Analysts78.26
Price Target155.04 (121.49%)
Short Float %1.44%
Short Ratio0.49
Dividend
Industry RankSector Rank
Dividend Yield 2.19%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP13.87%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.55%
Min EPS beat(2)0.89%
Max EPS beat(2)2.2%
EPS beat(4)4
Avg EPS beat(4)3.99%
Min EPS beat(4)0.89%
Max EPS beat(4)7.83%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-3.29%
Min Revenue beat(2)-4.88%
Max Revenue beat(2)-1.7%
Revenue beat(4)1
Avg Revenue beat(4)-1.8%
Min Revenue beat(4)-4.88%
Max Revenue beat(4)1.59%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-0.22%
PT rev (3m)-27.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.58%
EPS NY rev (1m)-1.16%
EPS NY rev (3m)-1.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.93%
Revenue NY rev (1m)-0.76%
Revenue NY rev (3m)-0.76%
Valuation
Industry RankSector Rank
PE 3.54
Fwd PE 4.69
P/S 1.71
P/FCF 3.56
P/OCF 3.43
P/B 0.57
P/tB 0.57
EV/EBITDA N/A
EPS(TTM)19.8
EY28.29%
EPS(NY)14.93
Fwd EY21.34%
FCF(TTM)19.67
FCFY28.1%
OCF(TTM)20.43
OCFY29.18%
SpS41.03
BVpS122.21
TBVpS122.21
PEG (NY)0.08
PEG (5Y)0.23
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 16.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 49.26%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y5.51%
PM growth 5Y5.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.58
Debt/EBITDA N/A
Cap/Depr 203.47%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 97.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.92%
ROIC/WACCN/A
Cap/Depr(3y)162.03%
Cap/Depr(5y)151.52%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)129.62%
Profit Quality(5y)130.1%
High Growth Momentum
Growth
EPS 1Y (TTM)41.94%
EPS 3Y17.61%
EPS 5Y15.26%
EPS Q2Q%43.56%
EPS Next Y42.69%
EPS Next 2Y-0.32%
EPS Next 3Y2.56%
EPS Next 5YN/A
Revenue 1Y (TTM)39.46%
Revenue growth 3Y14.04%
Revenue growth 5Y10.96%
Sales Q2Q%40.1%
Revenue Next Year36.38%
Revenue Next 2Y12.21%
Revenue Next 3Y10.98%
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 1Y42.55%
FCF growth 3Y9.8%
FCF growth 5Y9.09%
OCF growth 1Y40.94%
OCF growth 3Y10.52%
OCF growth 5Y9.26%

SIGNATURE BANK / SBNY Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SIGNATURE BANK (SBNY) stock?

ChartMill assigns a fundamental rating of 6 / 10 to SBNY.


What is the valuation status of SIGNATURE BANK (SBNY) stock?

ChartMill assigns a valuation rating of 10 / 10 to SIGNATURE BANK (SBNY). This can be considered as Undervalued.


How profitable is SIGNATURE BANK (SBNY) stock?

SIGNATURE BANK (SBNY) has a profitability rating of 6 / 10.


What is the financial health of SIGNATURE BANK (SBNY) stock?

The financial health rating of SIGNATURE BANK (SBNY) is 3 / 10.


What is the expected EPS growth for SIGNATURE BANK (SBNY) stock?

The Earnings per Share (EPS) of SIGNATURE BANK (SBNY) is expected to grow by 42.69% in the next year.