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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 0.15
SASR's Cash to Debt is ranked higher than
53% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. SASR: 0.15 )
SASR' s 10-Year Cash to Debt Range
Min: 0.07   Max: 1.67
Current: 0.15

0.07
1.67
Equity to Asset 0.12
SASR's Equity to Asset is ranked higher than
81% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SASR: 0.12 )
SASR' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.13
Current: 0.12

0.07
0.13
Interest Coverage 3.45
SASR's Interest Coverage is ranked higher than
86% of the 1857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.31 vs. SASR: 3.45 )
SASR' s 10-Year Interest Coverage Range
Min: 0.32   Max: 3.45
Current: 3.45

0.32
3.45
F-Score: 3
Z-Score: 0.30
WACC vs ROIC
6.52%
3.68%
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 (%) 31.62
SASR's Operating margin (%) is ranked higher than
78% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. SASR: 31.62 )
SASR' s 10-Year Operating margin (%) Range
Min: -20.71   Max: 40.33
Current: 31.62

-20.71
40.33
Net-margin (%) 21.65
SASR's Net-margin (%) is ranked higher than
75% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.86 vs. SASR: 21.65 )
SASR' s 10-Year Net-margin (%) Range
Min: -9.97   Max: 29.78
Current: 21.65

-9.97
29.78
ROE (%) 7.43
SASR's ROE (%) is ranked higher than
71% of the 2055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.65 vs. SASR: 7.43 )
SASR' s 10-Year ROE (%) Range
Min: -3.88   Max: 18.57
Current: 7.43

-3.88
18.57
ROA (%) 0.90
SASR's ROA (%) is ranked higher than
78% of the 2059 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SASR: 0.90 )
SASR' s 10-Year ROA (%) Range
Min: -0.43   Max: 1.39
Current: 0.9

-0.43
1.39
ROC (Joel Greenblatt) (%) 120.17
SASR's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 2025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.88 vs. SASR: 120.17 )
SASR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -12.09   Max: 142.16
Current: 120.17

-12.09
142.16
Revenue Growth (3Y)(%) -0.20
SASR's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SASR: -0.20 )
SASR' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.8   Max: 17.9
Current: -0.2

-11.8
17.9
EBITDA Growth (3Y)(%) 18.40
SASR's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SASR: 18.40 )
SASR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -19.7   Max: 33
Current: 18.4

-19.7
33
EPS Growth (3Y)(%) 31.40
SASR's EPS Growth (3Y)(%) is ranked higher than
92% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.70 vs. SASR: 31.40 )
SASR' s 10-Year EPS Growth (3Y)(%) Range
Min: -27.1   Max: 31.4
Current: 31.4

-27.1
31.4
» SASR's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

SASR Guru Trades in Q1 2014

Jim Simons 112,889 sh (+15.19%)
Columbia Wanger 1,556,632 sh (unchged)
» More
Q2 2014

SASR Guru Trades in Q2 2014

Columbia Wanger 1,555,232 sh (-0.09%)
Jim Simons 108,600 sh (-3.8%)
» More
Q3 2014

SASR Guru Trades in Q3 2014

Jim Simons 128,536 sh (+18.36%)
Columbia Wanger 1,555,232 sh (unchged)
» More
Q4 2014

SASR Guru Trades in Q4 2014

Columbia Wanger 1,543,332 sh (-0.77%)
Jim Simons 106,400 sh (-17.22%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2011-12-31 Sold Out 0.02%$14 - $18.64 $ 25.9655%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.90
SASR's P/E(ttm) is ranked higher than
76% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. SASR: 16.90 )
SASR' s 10-Year P/E(ttm) Range
Min: 7.97   Max: 188.62
Current: 16.9

7.97
188.62
Forward P/E 13.35
SASR's Forward P/E is ranked higher than
81% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.48 vs. SASR: 13.35 )
N/A
PE(NRI) 17.00
SASR's PE(NRI) is ranked higher than
76% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. SASR: 17.00 )
SASR' s 10-Year PE(NRI) Range
Min: 7.97   Max: 197
Current: 17

7.97
197
P/B 1.25
SASR's P/B is ranked higher than
74% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. SASR: 1.25 )
SASR' s 10-Year P/B Range
Min: 0.38   Max: 2.85
Current: 1.25

0.38
2.85
P/S 3.70
SASR's P/S is ranked higher than
72% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.65 vs. SASR: 3.70 )
SASR' s 10-Year P/S Range
Min: 0.77   Max: 5.33
Current: 3.7

0.77
5.33
PFCF 12.73
SASR's PFCF is ranked higher than
84% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SASR: 12.73 )
SASR' s 10-Year PFCF Range
Min: 2.38   Max: 169.73
Current: 12.73

2.38
169.73
POCF 11.75
SASR's POCF is ranked higher than
81% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.77 vs. SASR: 11.75 )
SASR' s 10-Year POCF Range
Min: 2.27   Max: 43.93
Current: 11.75

2.27
43.93
EV-to-EBIT 19.82
SASR's EV-to-EBIT is ranked higher than
71% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.30 vs. SASR: 19.82 )
SASR' s 10-Year EV-to-EBIT Range
Min: -9324.9   Max: 70.2
Current: 19.82

-9324.9
70.2
Shiller P/E 29.81
SASR's Shiller P/E is ranked higher than
80% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SASR: 29.81 )
SASR' s 10-Year Shiller P/E Range
Min: 4   Max: 33.06
Current: 29.81

4
33.06
Days Sales Outstanding 26.14
SASR's Days Sales Outstanding is ranked higher than
92% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SASR: 26.14 )
SASR' s 10-Year Days Sales Outstanding Range
Min: 25.78   Max: 74.11
Current: 26.14

25.78
74.11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.08
SASR's Dividend Yield is ranked higher than
66% of the 1912 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. SASR: 3.08 )
SASR' s 10-Year Dividend Yield Range
Min: 0.2   Max: 11.73
Current: 3.08

0.2
11.73
Dividend Payout 0.48
SASR's Dividend Payout is ranked higher than
68% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. SASR: 0.48 )
SASR' s 10-Year Dividend Payout Range
Min: 0.04   Max: 2
Current: 0.48

0.04
2
Dividend growth (3y) 152.00
SASR's Dividend growth (3y) is ranked higher than
100% of the 1123 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. SASR: 152.00 )
SASR' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 152
Current: 152

0
152
Yield on cost (5-Year) 18.60
SASR's Yield on cost (5-Year) is ranked higher than
97% of the 1924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. SASR: 18.60 )
SASR' s 10-Year Yield on cost (5-Year) Range
Min: 1.2   Max: 70.39
Current: 18.6

1.2
70.39
Share Buyback Rate -3.90
SASR's Share Buyback Rate is ranked higher than
67% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. SASR: -3.90 )
SASR' s 10-Year Share Buyback Rate Range
Min: 0.9   Max: -14.4
Current: -3.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.49
SASR's Price/Tangible Book is ranked higher than
74% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. SASR: 1.49 )
SASR' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 3.68
Current: 1.49

0.7
3.68
Price/DCF (Projected) 0.69
SASR's Price/DCF (Projected) is ranked higher than
86% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SASR: 0.69 )
SASR' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 2.42
Current: 0.69

0.24
2.42
Price/Median PS Value 1.19
SASR's Price/Median PS Value is ranked higher than
75% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. SASR: 1.19 )
SASR' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 2.25
Current: 1.19

0.32
2.25
Price/Graham Number 1.05
SASR's Price/Graham Number is ranked higher than
77% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. SASR: 1.05 )
SASR' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 2.32
Current: 1.05

0.66
2.32
Earnings Yield (Greenblatt) 5.00
SASR's Earnings Yield (Greenblatt) is ranked higher than
66% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SASR: 5.00 )
SASR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 7.7
Current: 5

1.4
7.7
Forward Rate of Return (Yacktman) 4.24
SASR's Forward Rate of Return (Yacktman) is ranked higher than
61% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. SASR: 4.24 )
SASR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.5   Max: 33.7
Current: 4.24

3.5
33.7

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 

More From Other Websites
Photo Release -- Sandy Spring Bank Relocates Columbia Operations Center Feb 24 2015
U.S. Congressman Patrick Meehan to Present Keynote Address at 22nd Annual Groundhog Investment Forum Feb 03 2015
Investment Industry to Gather in Philadelphia at 22nd Annual Groundhog Day Investment Forum Jan 29 2015
Sandy Spring Bancorp Increases Dividend to $0.22 Per Share Jan 29 2015
Sandy Spring Bancorp Increases Dividend to $0.22 Per Share Jan 29 2015
SANDY SPRING BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition Jan 22 2015
Sandy Spring Bancorp misses Street 4Q forecasts Jan 22 2015
Sandy Spring Bancorp misses Street 4Q forecasts Jan 22 2015
Sandy Spring Bancorp Reports Net Income of $9.1 Million for the Fourth Quarter and $38.2 Million for... Jan 22 2015
Sandy Spring Bancorp Reports Net Income of $9.1 Million for the Fourth Quarter and $38.2 Million for... Jan 22 2015
Q4 2014 Sandy Spring Bancorp Inc Earnings Release - Before Market Open Jan 22 2015
Sandy Spring Bancorp, Inc. to Webcast Fourth Quarter Earnings Conference Call on January 22, 2015 Jan 08 2015
Sandy Spring Bancorp, Inc. to Webcast Fourth Quarter Earnings Conference Call on January 22, 2015 Jan 08 2015
Photo Release -- Sandy Spring Bank Opens New Bethesda Community Office Dec 08 2014
Photo Release -- Sandy Spring Bank Opens New Bethesda Community Office Dec 08 2014
SANDY SPRING BANCORP INC Financials Nov 14 2014
SANDY SPRING BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 06 2014
Sandy Spring Bancorp Declares Fourth Quarter Dividend of $0.20 Per Share Oct 30 2014
Sandy Spring Bancorp Reports Net Income of $11.1 Million for the Third Quarter Oct 16 2014
SANDY SPRING BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition Oct 16 2014

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