70 USD
-20.76 (-22.87%)
69.62 USD
-0.38 (-0.54%)
Taking everything into account, SBNY scores 4 out of 10 in our fundamental rating. SBNY was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of SBNY have multiple concerns. 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.
- In the past year SBNY had a positive cash flow from operations.
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.
- SBNY has a better Return On Equity (16.54%) 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
- With an excellent Profit Margin value of 49.26%, SBNY belongs to the best of the industry, outperforming 98.94% of the companies in the same industry.
- SBNY's Profit Margin has improved in the last couple of years.
- SBNY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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 better Debt to FCF ratio (0.58) than 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.
- Measured over the past years, SBNY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.26% on average per year.
- The Revenue has grown by 39.46% in the past year. This is a very strong growth!
- The Revenue has been growing by 10.96% on average over the past years. This is quite good.
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.
- The Revenue is expected to grow by 10.98% on average over the next years. This is quite good.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- 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
- The Price/Earnings ratio is 3.54, which 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.
- SBNY is valuated cheaply when we compare the Price/Earnings ratio to 27.25, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 4.69 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 (25.98), we can say SBNY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.54 | ||
| Fwd PE | 4.69 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of SBNY indicates a rather cheap valuation: SBNY is cheaper than 82.18% of the companies listed in the same industry.
| 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.
- 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.
- Compared to an average industry Dividend Yield of 2.64, SBNY is paying slightly less dividend.
- SBNY's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| 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
- SBNY pays out 13.87% of its income as dividend. This is a sustainable payout ratio.
DP13.87%
EPS Next 2Y-0.32%
EPS Next 3Y2.56%
SIGNATURE BANK / SBNY 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.