10 Year Financial Data of Sandy Spring Bancorp, Inc. (SASR)

21.66 (1y: +23%)

Market Cap	534.7 M	P/E(ttm)	13.90
Enterprise Value	977.93 M	P/B	1.12

SASR- NAS (USA)
Sandy Spring Bancorp, Inc.

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$21.66

3 Severe Warning Signs 2 Medium Warning Signs 1 Good Sign

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-1.3	-9.4	6.1
EBITDA Growth (%)	0	0	7.7
Free Cash Flow Growth (%)	-1.6	0.6	-34
Book Value Growth (%)	4.5	0.9	4.7

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	7.32	7.19	8.47	8.95	9.29	9.45	9.06	7.22	6.48	6.82	6.93	1.64	1.69	1.76	1.73	1.75
EBITDA per Share	3.28	1.48	3.53	3.66	3.48	1.85	-1.28	1.80	2.38	2.53	2.65	0.59	0.52	0.75	0.67	0.71
Free Cashflow per Share	3.36	1.24	2.87	2.88	2.73	2.57	1.45	2.37	2.64	1.96	1.32	0.88	0.23	0.08	0.78	0.23
Earnings per Share ($)	2.18	0.98	2.24	2.20	2.01	0.96	-1.20	1.05	1.41	1.48	1.56	0.35	0.30	0.44	0.40	0.42
Dividends Per Share	0.74	0.78	0.84	0.88	0.92	0.96	0.37	0.04	0.34	0.48	0.52	0.10	0.12	0.12	0.14	0.14
Book Value per Share	13.15	13.31	14.75	15.91	19.66	19.08	17.84	18.21	18.47	19.61	19.56	18.69	19.30	19.31	19.32	19.56
Month End Stock Price	37.35	38.33	34.88	38.18	27.82	21.83	8.89	18.43	17.55	19.42	20.10	18.17	18.00	19.25	19.42	20.10
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	16.60	7.40	15.20	13.80	10.20	4.00	-4.00	5.80	7.60	7.60	8.80	7.60	6.00	9.20	8.00	8.80
Return on Assets %	1.40	0.60	1.30	1.30	1.10	0.50	-0.40	0.70	0.90	0.90	1.20	0.80	0.80	1.20	0.80	1.20
Return on Capital - Joel Greenblatt %	10.10	5.50	12.00	15.00	12.40	5.20	-6.30	--	--	--	--	--	--	--	--	--
Debt to Equity	2.73	1.85	1.92	1.48	1.35	1.33	2.53	1.08	0.99	0.91	0.90	0.97	0.93	0.91	0.91	0.90

Operating Margin %	38.60	12.00	36.20	34.20	30.30	12.60	-20.70	20.20	31.90	32.50	36.20	31.10	26.30	37.80	34.20	36.20
Net Margin %	29.80	13.60	26.50	24.60	21.60	10.20	-10.00	14.60	21.80	21.70	24.10	21.40	17.40	25.00	22.90	24.10

Debt to Revenue	4.91	3.43	3.34	2.63	2.86	3.38	6.35	2.73	2.82	2.62	10.06	11.10	10.66	10.00	10.19	10.06
Interest Exp. to Revenue %	69.67	70.81	70.49	70.90	70.30	70.11	69.63	71.54	72.20	72.08	71.61	72.34	72.17	72.19	71.63	71.61

Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.05	0.04	0.04	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	7.70	-410	-0.90	-0.30	--	2.70	--	-1.90	-1.20	--
Dividend Payout Ratio	0.34	0.80	0.38	0.40	0.46	1.00	--	0.04	0.24	0.32	0.33	0.29	0.41	0.27	0.36	0.33
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	75.04	74.62	88.18	94.76	105	108	104	116	113	121	124	28.71	29.81	31.79	30.92	31.33
Non Interest Income	32.66	30.77	36.91	38.90	44.29	46.24	45.24	45.99	43.50	46.96	48.40	10.97	11.49	12.24	12.25	12.42
Revenue	108	105	125	134	149	155	149	162	156	168	172	39.68	41.30	44.03	43.17	43.75

Selling, General, &Admin. Expense	40.58	43.48	48.24	53.10	57.44	55.18	66.44	66.32	69.36	67.73	68.22	18.13	18.97	17.98	12.65	18.61
Credit Losses Provision	--	--	2.60	2.80	4.09	33.19	76.76	25.91	1.43	3.65	3.06	0.66	1.59	0.23	1.17	0.08
Other Expenses	18.85	40.21	22.12	23.14	31.70	36.07	26.77	29.12	28.22	34.35	34.93	6.62	7.94	7.22	12.57	7.20
Earnings Before DDA	48.26	21.71	52.13	54.62	55.88	30.26	-21.03	40.26	57.44	62.45	66.03	14.27	12.80	18.59	16.78	17.86

Depreciation, Depletion and Amortization	6.72	9.02	6.84	8.86	10.65	10.84	9.83	7.69	7.49	7.85	7.92	1.94	1.94	1.96	2.00	2.01

Operating Income	41.55	12.69	45.29	45.76	45.23	19.42	-30.85	32.57	49.95	54.60	58.11	12.33	10.86	16.63	14.78	15.84
Net Income	32.07	14.37	33.10	32.87	32.26	15.78	-14.86	23.52	34.10	36.55	38.64	8.48	7.21	10.99	9.88	10.56

Preferred dividends	--	--	--	--	--	--	4.81	6.15	--	--	--	--	--	--	--	--
Earnings per Share ($)	2.18	0.98	2.24	2.20	2.01	0.96	-1.20	1.05	1.41	1.48	1.56	0.35	0.30	0.44	0.40	0.42
Total Shares Outstanding	14.71	14.66	14.78	14.94	16.05	16.37	16.45	22.38	24.15	24.66	25.00	24.18	24.42	24.95	25.02	25.00
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	39.12	44.34	48.05	57.92	63.80	104	57.93	61.30	71.31	85.94	84.11	101	122	78.80	85.94	84.11
Money Market Investments	10.67	5.47	6.15	48.98	22.06	1.11	1.86	1.81	1.01	0.47	0.48	1.01	0.47	0.47	0.47	0.48
Net Loan	1,151	1,447	1,678	1,797	2,259	2,452	2,246	2,117	2,216	2,524	2,572	2,244	2,456	2,466	2,524	2,572
Securities & Investments	998	666	567	541	445	492	1,024	1,043	1,130	1,041	977	1,067	974	1,041	1,041	977
Accounts Receivable	13.66	11.67	13.14	15.20	14.96	11.81	13.65	12.57	12.90	12.39	12.93	12.42	13.46	12.81	12.39	12.93
Property, Plant and Equipment	37.68	42.05	45.39	47.76	54.46	54.27	49.61	49.00	48.48	48.33	47.70	48.75	49.24	48.78	48.33	47.70
Intangible Assets	19.09	17.20	22.49	23.15	93.22	88.43	85.35	83.39	81.55	87.97	87.51	81.09	85.91	85.53	87.97	87.51
Other Assets	64.16	75.42	79.04	79.87	91.17	110	152	152	151	154	150	112	154	154	154	150
Total Assets	2,333	2,309	2,460	2,610	3,044	3,314	3,630	3,519	3,711	3,955	3,932	3,668	3,855	3,887	3,955	3,932

Total Deposits	1,562	1,733	1,803	1,994	2,274	2,365	2,697	2,550	2,657	2,913	2,919	2,681	2,852	2,880	2,913	2,919
Accounts Payable	14.68	20.22	21.15	26.92	27.92	33.86	24.40	24.95	24.72	31.67	33.57	21.83	26.65	26.90	31.67	33.57
Current Portion of Long-Term Debt	413	232	380	315	374	421	500	--	--	--	--	--	--	--	--	--
Long-Term Debt	115	130	37.16	36.81	52.55	102	447	441	440	440	440	440	440	440	440	440
Other liabilities	35.00	0.00	0.00	-0.00	0.00	-0.00	-411	96.24	144	86.93	50.30	73.13	64.78	58.31	86.93	50.30
Total Liabilities	2,140	2,114	2,242	2,373	2,728	2,922	3,257	3,112	3,265	3,472	3,443	3,216	3,384	3,406	3,472	3,443

Common Stock	14.50	14.63	14.79	14.83	16.35	16.40	16.49	24.05	24.09	24.91	24.96	24.14	24.89	24.90	24.91	24.96
Preferred Stock	--	--	--	--	--	79.44	80.10	--	--	--	--	--	--	--	--	--
Retained Earnings	153	156	177	199	216	214	189	205	231	256	263	237	241	249	256	263
Additional Paid-In Capital	18.97	21.52	26.60	27.87	83.97	85.49	87.33	177	178	192	192	178	191	191	192	192
Total Equity	193	195	218	238	316	392	374	408	446	484	489	452	471	482	484	489
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	32.07	14.37	33.10	32.87	32.26	15.78	-14.86	23.52	34.10	36.55	38.64	8.48	7.21	10.99	9.88	10.56
Depreciation, Depletion and Amortization	6.72	9.02	6.84	8.86	10.65	10.84	9.83	7.69	7.49	7.85	7.92	1.94	1.94	1.96	2.00	2.01
Cash Flow from Others	10.58	-5.19	2.44	1.33	0.93	15.44	31.92	25.44	26.12	8.39	-9.99	12.09	-1.82	-10.25	8.38	-6.29
Cash Flow from Operations	49.36	18.19	42.38	43.06	43.84	42.05	26.89	56.65	67.71	52.79	36.57	22.50	7.33	2.70	20.26	6.28

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-3.11	-3.65	-4.00	-4.38	-3.63	-1.30	-1.65	-0.73	-0.71	-0.55
Cash Flow from Acquisitions	--	-1.13	-0.89	-1.90	-15.73	--	--	--	--	-0.85	-0.85	--	-0.85	--	--	--
Cash Flow from Investing	-54.79	22.44	-152	-105	-37.70	-278	-408	83.28	-200	-56.57	-86.38	56.09	-147	105	-71.05	26.27

Net Issuance of Stock	-2.20	2.00	0.06	0.56	-2.53	0.74	1.15	96.46	-0.02	0.10	-0.02	-0.23	--	0.20	0.12	-0.34
Net Issuance of Preferred Stock	--	--	--	--	--	83.09	--	-83.09	--	--	--	--	--	--	--	--
Net Issuance of Debt	-50.33	-202	55.84	-65.84	49.87	96.13	-0.97	-5.83	-0.35	-0.35	-0.32	-0.09	-0.09	-0.09	-0.09	-0.06
Cash Flow for Dividends	-10.73	-11.33	-12.33	-13.03	-14.99	-15.76	-10.05	-4.56	-8.26	-11.89	-12.98	-2.43	-2.93	-3.01	-3.52	-3.52
Other Financing	69.62	171	70.71	191	-56.92	91.44	346	-140	150	30.01	45.41	-45.85	163	-148	61.42	-30.45
Cash Flow from Financing	6.36	-40.51	114	113	-24.57	256	336	-137	141	17.87	32.09	-48.60	160	-151	57.93	-34.37

Net Change in Cash	0.93	0.13	4.25	50.48	-18.44	19.74	-45.43	3.32	9.20	14.09	-17.72	29.99	20.53	-43.57	7.14	-1.82

Free Cash Flow	49.36	18.19	42.38	43.06	43.84	42.05	23.78	53.00	63.71	48.41	32.94	21.20	5.68	1.97	19.55	5.73
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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SASR Quarterly/Annuals Reports

SASR: 10-Q - SANDY SPRING BANCORP INC (0000824410) (Filer): (10-Q) - 2012-11-09
SASR: 10-Q - SANDY SPRING BANCORP INC (0000824410) (Filer): (10-Q) - 2012-08-09
SASR: 10-Q - SANDY SPRING BANCORP INC (0000824410) (Filer): (10-Q) - 2012-05-10
SASR: 10-K - SANDY SPRING BANCORP INC (0000824410) (Filer): (10-K) - 2012-03-15
SASR: 10-Q - SANDY SPRING BANCORP INC (0000824410) (Filer): (10-Q) - 2011-11-08

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