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21.83 (1y: +25%)
Market Cap 541.93 M P/E(ttm) 14.10
Enterprise Value 981.93 M P/B 1.10
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%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$21.83
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.195
SASR's Cash to Debt is ranked lower than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. SASR: 0.195 )
SASR' s 10-Year Cash to Debt Range
Min: 0.06   Max: 0.2
Current: 0.2
0.06
0.2
Equity to Asset 0.1
SASR's Equity to Asset is ranked higher than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SASR: 0.1 )
SASR' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.1
0.06
0.1
Interest Coverage No Debt
SASR's Interest Coverage is ranked lower than
93% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. SASR: No Debt )
SASR' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.38
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 8/10

vs
industry		 vs
history
Operating margin (%) 32.50
SASR's Operating margin (%) is ranked higher than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. SASR: 32.50 )
SASR' s 10-Year Operating margin (%) Range
Min: -20.7   Max: 38.6
Current: 32.5
-20.7
38.6
Net-margin (%) 21.7
SASR's Net-margin (%) is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. SASR: 21.7 )
SASR' s 10-Year Net-margin (%) Range
Min: -10   Max: 29.8
Current: 21.7
-10
29.8
ROE (%) 7.6
SASR's ROE (%) is ranked higher than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SASR: 7.6 )
SASR' s 10-Year ROE (%) Range
Min: -4   Max: 17.2
Current: 7.6
-4
17.2
ROA (%) 0.9
SASR's ROA (%) is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SASR: 0.9 )
SASR' s 10-Year ROA (%) Range
Min: -0.4   Max: 1.4
Current: 0.9
-0.4
1.4
Revenue Growth (%) -6.9
SASR's Revenue Growth (%) is ranked lower than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SASR: -6.9 )
SASR' s 10-Year Revenue Growth (%) Range
Min: -9   Max: 13.2
Current: -6.9
-9
13.2
ยป SASR's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

SASR Guru Trades in Q2 2012

Jim Simons 23,700 sh (+21.54%)
Columbia Wanger 1,487,114 sh (unchged)
» More
Q3 2012

SASR Guru Trades in Q3 2012

Jim Simons 29,100 sh (+22.78%)
Columbia Wanger 1,497,714 sh (+0.71%)
» More
Q4 2012

SASR Guru Trades in Q4 2012

Jim Simons 36,400 sh (+25.09%)
Columbia Wanger 1,615,832 sh (+7.89%)
» More
Q1 2013

SASR Guru Trades in Q1 2013

Jim Simons 40,600 sh (+11.54%)
Columbia Wanger 1,613,632 sh (-0.14%)
» More
» Details

Insider Trades

Latest Guru Trades with SASR



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 14.10
SASR's P/E(ttm) is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. SASR: 14.10 )
SASR' s 10-Year P/E(ttm) Range
Min: 7.97   Max: 221.63
Current: 14.1
7.97
221.63
P/B 1.10
SASR's P/B is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SASR: 1.10 )
SASR' s 10-Year P/B Range
Min: 0.3   Max: 3.39
Current: 1.1
0.3
3.39
P/S 3.15
SASR's P/S is ranked lower than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SASR: 3.15 )
SASR' s 10-Year P/S Range
Min: 0.77   Max: 5.5
Current: 3.15
0.77
5.5
PFCF 16.50
SASR's PFCF is ranked lower than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SASR: 16.50 )
SASR' s 10-Year PFCF Range
Min: 2.71   Max: 419.45
Current: 16.5
2.71
419.45
EV-to-EBIT 16.9
SASR's EV-to-EBIT is ranked higher than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. SASR: 16.9 )
SASR' s 10-Year EV-to-EBIT Range
Min: 13.6   Max: 73.5
Current: 16.9
13.6
73.5
Shiller P/E 23.3
SASR's Shiller P/E is ranked higher than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. SASR: 23.3 )
SASR' s 10-Year Shiller P/E Range
Min: 4   Max: 24.1
Current: 23.3
4
24.1

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.57
SASR's Dividend Yield is ranked higher than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SASR: 2.57 )
SASR' s 10-Year Dividend Yield Range
Min: 0.2   Max: 11.73
Current: 2.57
0.2
11.73
Dividend Payout 0.3346
SASR's Dividend Payout is ranked higher than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. SASR: 0.3346 )
SASR' s 10-Year Dividend Payout Range
Min: 0.04   Max: 1
Current: 0.33
0.04
1
Dividend growth (3y) 6.7
SASR's Dividend growth (3y) is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. SASR: 6.7 )
SASR' s 10-Year Dividend growth (3y) Range
Min: -54.3   Max: 8.4
Current: 6.7
-54.3
8.4
Yield on cost (5-Year) 1.24
SASR's Yield on cost (5-Year) is ranked lower than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. SASR: 1.24 )
SASR' s 10-Year Yield on cost (5-Year) Range
Min: 0.1   Max: 5.62
Current: 1.24
0.1
5.62
Share Buyback Rate -10.6
SASR's Share Buyback Rate is ranked lower than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. SASR: -10.6 )
SASR' s 10-Year Share Buyback Rate Range
Min: 0   Max: -10.6
Current: -10.6

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.4
SASR's Price/Tangible Book is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SASR: 1.4 )
SASR' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 3.7
Current: 1.4
0.5
3.7
Price/DCF (Projected) 0.7
SASR's Price/DCF (Projected) is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. SASR: 0.7 )
SASR' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 1.5
Current: 0.7
0.2
1.5
Price/Median PS Value 0.9
SASR's Price/Median PS Value is ranked higher than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SASR: 0.9 )
SASR' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.6
Current: 0.9
0.3
1.6
Price/Graham Number 0.9
SASR's Price/Graham Number is ranked higher than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SASR: 0.9 )
SASR' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 2.3
Current: 0.9
0.8
2.3
Earnings Yield (Greenblatt) 5.90
SASR's Earnings Yield (Greenblatt) is ranked higher than
67% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SASR: 5.90 )
SASR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 7.3
Current: 5.9
1.4
7.3
Forward Rate of Return (Yacktman) 9.57
SASR's Forward Rate of Return (Yacktman) is ranked lower than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. SASR: 9.57 )
SASR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.6   Max: 39
Current: 9.57
-0.6
39

Business Description

Sandy Spring Bancorp, Inc. is a holding company for Sandy Spring Bank. 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 bank's subsidiary, West Financial Services Inc. The bank offers a range of commercial banking, retail banking, and trust services. Through its subsidiaries, Sandy Spring Bank also offers a comprehensive menu of 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for SASR

Headlines

Articles On GuruFocus.com
8 Dividend Stocks Heating Up Their Yields Nov 05 2012 
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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