SIGNATURE BANK (SBNY)
US82669G1040 - Common Stock
SBNY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. While SBNY is still in line with the averages on profitability rating, there are concerns on its financial health. SBNY is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
SBNY had positive earnings in the past year.
SBNY had a positive operating cash flow in the past year.
Of the past 5 years SBNY 4 years were profitable.
Of the past 5 years SBNY 4 years had a positive operating cash flow.
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 Rank | Sector 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
1.3 Margins
The Profit Margin of SBNY (49.26%) is better than 98.94% of its industry peers.
In the last couple of years the Profit Margin of SBNY has grown nicely.
The Operating Margin and Gross Margin are not available for SBNY so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
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.
2.2 Solvency
The Debt to FCF ratio of SBNY is 0.58, which is an excellent value as it means it would take SBNY, only 0.58 years of fcf income to pay off all of its debts.
SBNY has a Debt to FCF ratio of 0.58. This is amongst the best in the industry. SBNY outperforms 88.03% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that SBNY is not too dependend on debt financing.
SBNY's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. SBNY outperforms 76.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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 growth Q2Q43.56%
Revenue 1Y (TTM)39.46%
Revenue growth 3Y14.04%
Revenue growth 5Y10.96%
Revenue growth Q2Q40.1%
3.2 Future
Based on estimates for the next years, SBNY will show a small growth in Earnings Per Share. The EPS will grow by 2.56% on average per year.
Based on estimates for the next years, SBNY will show a quite strong growth in Revenue. The Revenue will grow by 10.98% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 3.54 indicates a rather cheap valuation of SBNY.
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 (25.20), we can say SBNY is valued rather cheaply.
The Price/Forward Earnings ratio is 4.69, which indicates a rather cheap valuation of SBNY.
Based on the Price/Forward Earnings ratio, SBNY is valued cheaply inside the industry as 91.76% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of SBNY to the average of the S&P500 Index (21.63), we can say SBNY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.54 | ||
| Fwd PE | 4.69 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SBNY is valued cheaply inside the industry as 82.18% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.56 | ||
| 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.
PEG (NY)0.08
PEG (5Y)0.23
EPS Next 2Y-0.32%
EPS Next 3Y2.56%
5. Dividend
5.1 Amount
SBNY has a Yearly Dividend Yield of 2.19%. Purely for dividend investing, there may be better candidates out there.
The stock price of SBNY dropped by -40.96% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.86, SBNY is paying slightly less dividend.
SBNY's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector 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
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%
SIGNATURE BANK
NASDAQ:SBNY (3/10/2023, 7:00:02 PM)
Premarket: 69.62 -0.38 (-0.54%)70
-20.76 (-22.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.40B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.19% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.54 | ||
| Fwd PE | 4.69 | ||
| 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)0.08
PEG (5Y)0.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 16.54% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 49.26% | ||
| 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 Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| 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)41.94%
EPS 3Y17.61%
EPS 5Y
EPS growth Q2Q
EPS Next Y42.69%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)39.46%
Revenue growth 3Y14.04%
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