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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.10
SASR's Cash to Debt is ranked lower than
92% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SASR: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
SASR' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.16 Max: 1.36
Current: 0.1
0.07
1.36
Equity to Asset 0.11
SASR's Equity to Asset is ranked higher than
61% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SASR: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
SASR' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.10 Max: 0.13
Current: 0.11
0.07
0.13
Interest Coverage 3.35
SASR's Interest Coverage is ranked higher than
69% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. SASR: 3.35 )
Ranked among companies with meaningful Interest Coverage only.
SASR' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 1.33 Max: 3.45
Current: 3.35
0.32
3.45
F-Score: 6
WACC vs ROIC
5.61%
4.17%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 35.82
SASR's Operating margin (%) is ranked higher than
63% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. SASR: 35.82 )
Ranked among companies with meaningful Operating margin (%) only.
SASR' s Operating margin (%) Range Over the Past 10 Years
Min: -20.71  Med: 31.78 Max: 37.75
Current: 35.82
-20.71
37.75
Net-margin (%) 24.11
SASR's Net-margin (%) is ranked higher than
57% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. SASR: 24.11 )
Ranked among companies with meaningful Net-margin (%) only.
SASR' s Net-margin (%) Range Over the Past 10 Years
Min: -9.97  Med: 21.70 Max: 26.46
Current: 24.11
-9.97
26.46
ROE (%) 8.69
SASR's ROE (%) is ranked higher than
55% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. SASR: 8.69 )
Ranked among companies with meaningful ROE (%) only.
SASR' s ROE (%) Range Over the Past 10 Years
Min: -5.14  Med: 7.93 Max: 16.03
Current: 8.69
-5.14
16.03
ROA (%) 1.00
SASR's ROA (%) is ranked higher than
62% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SASR: 1.00 )
Ranked among companies with meaningful ROA (%) only.
SASR' s ROA (%) Range Over the Past 10 Years
Min: -0.43  Med: 0.95 Max: 1.39
Current: 1
-0.43
1.39
Revenue Growth (3Y)(%) 2.70
SASR's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SASR: 2.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SASR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.7  Med: 5.25 Max: 18
Current: 2.7
-11.7
18
EBITDA Growth (3Y)(%) 1.70
SASR's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SASR: 1.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SASR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.8  Med: 10.65 Max: 33.1
Current: 1.7
-19.8
33.1
EPS Growth (3Y)(%) 2.50
SASR's EPS Growth (3Y)(%) is ranked lower than
61% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SASR: 2.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SASR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.2  Med: 13.05 Max: 31.7
Current: 2.5
-27.2
31.7
» SASR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

SASR Guru Trades in Q1 2015

Jim Simons 130,100 sh (+22.27%)
Columbia Wanger 1,591,344 sh (+3.11%)
» More
Q2 2015

SASR Guru Trades in Q2 2015

Jim Simons 153,400 sh (+17.91%)
Columbia Wanger 1,432,538 sh (-9.98%)
» More
Q3 2015

SASR Guru Trades in Q3 2015

Jim Simons 176,800 sh (+15.25%)
Columbia Wanger 1,331,207 sh (-7.07%)
» More
Q4 2015

SASR Guru Trades in Q4 2015

Columbia Wanger 961,114 sh (-27.80%)
» More
» Details

Insider Trades

Latest Guru Trades with SASR

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.18
SASR's P/E(ttm) is ranked lower than
66% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. SASR: 15.18 )
Ranked among companies with meaningful P/E(ttm) only.
SASR' s P/E(ttm) Range Over the Past 10 Years
Min: 7.96  Med: 15.46 Max: 253.29
Current: 15.18
7.96
253.29
Forward P/E 12.27
SASR's Forward P/E is ranked lower than
68% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. SASR: 12.27 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.18
SASR's PE(NRI) is ranked lower than
66% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. SASR: 15.18 )
Ranked among companies with meaningful PE(NRI) only.
SASR' s PE(NRI) Range Over the Past 10 Years
Min: 7.97  Med: 15.47 Max: 253.29
Current: 15.18
7.97
253.29
P/B 1.21
SASR's P/B is ranked lower than
68% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. SASR: 1.21 )
Ranked among companies with meaningful P/B only.
SASR' s P/B Range Over the Past 10 Years
Min: 0.38  Med: 1.17 Max: 2.69
Current: 1.21
0.38
2.69
P/S 3.44
SASR's P/S is ranked lower than
64% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. SASR: 3.44 )
Ranked among companies with meaningful P/S only.
SASR' s P/S Range Over the Past 10 Years
Min: 0.77  Med: 3.10 Max: 4.86
Current: 3.44
0.77
4.86
PFCF 14.09
SASR's PFCF is ranked lower than
73% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. SASR: 14.09 )
Ranked among companies with meaningful PFCF only.
SASR' s PFCF Range Over the Past 10 Years
Min: 2.39  Med: 9.95 Max: 169.73
Current: 14.09
2.39
169.73
POCF 11.14
SASR's POCF is ranked lower than
68% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. SASR: 11.14 )
Ranked among companies with meaningful POCF only.
SASR' s POCF Range Over the Past 10 Years
Min: 2.28  Med: 9.17 Max: 43.93
Current: 11.14
2.28
43.93
EV-to-EBIT 19.06
SASR's EV-to-EBIT is ranked lower than
72% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. SASR: 19.06 )
Ranked among companies with meaningful EV-to-EBIT only.
SASR' s EV-to-EBIT Range Over the Past 10 Years
Min: -9324.9  Med: 17.90 Max: 70.2
Current: 19.06
-9324.9
70.2
EV-to-EBITDA 17.07
SASR's EV-to-EBITDA is ranked lower than
72% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. SASR: 17.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
SASR' s EV-to-EBITDA Range Over the Past 10 Years
Min: -49.7  Med: 15.30 Max: 73.6
Current: 17.07
-49.7
73.6
Shiller P/E 18.58
SASR's Shiller P/E is ranked lower than
62% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. SASR: 18.58 )
Ranked among companies with meaningful Shiller P/E only.
SASR' s Shiller P/E Range Over the Past 10 Years
Min: 3.85  Med: 13.70 Max: 24.2
Current: 18.58
3.85
24.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.60
SASR's Dividend Yield is ranked higher than
58% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. SASR: 3.60 )
Ranked among companies with meaningful Dividend Yield only.
SASR' s Dividend Yield Range Over the Past 10 Years
Min: 0.2  Med: 2.54 Max: 11.73
Current: 3.6
0.2
11.73
Dividend Payout 0.51
SASR's Dividend Payout is ranked lower than
75% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. SASR: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
SASR' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.39 Max: 2
Current: 0.51
0.04
2
Dividend Growth (3y) 30.80
SASR's Dividend Growth (3y) is ranked higher than
87% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. SASR: 30.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SASR' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -64.8  Med: 8.90 Max: 152
Current: 30.8
-64.8
152
Forward Dividend Yield 3.76
SASR's Forward Dividend Yield is ranked higher than
61% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. SASR: 3.76 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 20.38
SASR's Yield on cost (5-Year) is ranked higher than
96% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. SASR: 20.38 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SASR' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.15  Med: 14.66 Max: 67.72
Current: 20.38
1.15
67.72
3-Year Average Share Buyback Ratio -1.30
SASR's 3-Year Average Share Buyback Ratio is ranked higher than
53% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. SASR: -1.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SASR' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -14.4  Med: -1.05 Max: 0.9
Current: -1.3
-14.4
0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.42
SASR's Price/Tangible Book is ranked lower than
72% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. SASR: 1.42 )
Ranked among companies with meaningful Price/Tangible Book only.
SASR' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.7  Med: 2.13 Max: 3.68
Current: 1.42
0.7
3.68
Price/Projected FCF 0.67
SASR's Price/Projected FCF is ranked lower than
55% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. SASR: 0.67 )
Ranked among companies with meaningful Price/Projected FCF only.
SASR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.88 Max: 2.43
Current: 0.67
0.24
2.43
Price/Median PS Value 1.11
SASR's Price/Median PS Value is ranked lower than
71% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. SASR: 1.11 )
Ranked among companies with meaningful Price/Median PS Value only.
SASR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.32  Med: 1.24 Max: 2.25
Current: 1.11
0.32
2.25
Price/Peter Lynch Fair Value 1.27
SASR's Price/Peter Lynch Fair Value is ranked lower than
70% of the 429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SASR: 1.27 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SASR' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.68  Med: 1.32 Max: 6.2
Current: 1.27
0.68
6.2
Price/Graham Number 1.10
SASR's Price/Graham Number is ranked lower than
69% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. SASR: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
SASR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.68  Med: 1.29 Max: 3.17
Current: 1.1
0.68
3.17
Earnings Yield (Greenblatt) (%) 5.21
SASR's Earnings Yield (Greenblatt) (%) is ranked lower than
65% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SASR: 5.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SASR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.4  Med: 5.40 Max: 7.7
Current: 5.21
1.4
7.7
Forward Rate of Return (Yacktman) (%) 21.22
SASR's Forward Rate of Return (Yacktman) (%) is ranked higher than
62% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. SASR: 21.22 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SASR' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 3  Med: 11.30 Max: 31.7
Current: 21.22
3
31.7

More Statistics

Revenue(Mil) $188
EPS $ 1.68
Beta1.01
Short Percentage of Float1.92%
52-Week Range $24.04 - 30.00
Shares Outstanding(Mil)24.36

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil)
EPS($) 1.80 1.90 2.08
EPS without NRI($) 1.80 1.90 2.08

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Sandy Spring Bancorp Inc is a holding company for Sandy Spring Bank. The Bank was founded in 1868 and the Company started its operation in 1988. Through its subsidiary bank, the Company conducts a full-service commercial banking, mortgage banking and trust business. Services to individuals and businesses include accepting deposits, extending real estate, consumer and commercial loans and lines of credit, equipment leasing, general insurance, personal trust, and investment and wealth management services. The Company offers investment and wealth management services through the banks subsidiary, West Financial Services Inc. The Bank provides commercial banking, retail banking, and trust services. Through its subsidiaries, Sandy Spring Bank it also offers leasing, insurance and investment management services. The Company operates in the six Maryland counties of Anne Arundel, Carroll, Frederick, Howard, Montgomery, and Prince George's, and in Fairfax and Loudoun counties in Virginia. The Company is subject to supervision and regulation by the Federal Reserve.
» More Articles for SASR

Headlines

Articles On GuruFocus.com
Sandy Spring Bancorp Inc. Reports Operating Results (10-Q) Nov 12 2010 
Sandy Spring Bancorp Inc. Reports Operating Results (10-Q) Aug 09 2010 
Sandy Spring Bancorp Inc. Reports Operating Results (10-Q) May 10 2010 

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Edited Transcript of SASR earnings conference call or presentation 21-Jan-16 7:00pm GMT Jan 21 2016
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Sandy Spring Bancorp beats 4Q profit forecasts Jan 21 2016
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SANDY SPRING BANCORP INC Files SEC form 8-K, Other Events Nov 19 2015

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