Switch to:

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 0.19
SASR's Cash to Debt is ranked higher than
53% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. SASR: 0.19 )
SASR' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.19

Equity to Asset 0.12
SASR's Equity to Asset is ranked higher than
81% of the 1647 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
85% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 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: 4
Z-Score: 0.26
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 (%) 37.75
SASR's Operating margin (%) is ranked higher than
84% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. SASR: 37.75 )
SASR' s 10-Year Operating margin (%) Range
Min: -20.71   Max: 40.33
Current: 37.75

-20.71
40.33
Net-margin (%) 25.04
SASR's Net-margin (%) is ranked higher than
81% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. SASR: 25.04 )
SASR' s 10-Year Net-margin (%) Range
Min: -9.97   Max: 29.78
Current: 25.04

-9.97
29.78
ROE (%) 8.90
SASR's ROE (%) is ranked higher than
78% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. SASR: 8.90 )
SASR' s 10-Year ROE (%) Range
Min: -3.98   Max: 17.19
Current: 8.9

-3.98
17.19
ROA (%) 1.08
SASR's ROA (%) is ranked higher than
85% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. SASR: 1.08 )
SASR' s 10-Year ROA (%) Range
Min: -0.41   Max: 1.37
Current: 1.08

-0.41
1.37
ROC (Joel Greenblatt) (%) 145.89
SASR's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. SASR: 145.89 )
SASR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -6.28   Max: 145.89
Current: 145.89

-6.28
145.89
Revenue Growth (%) -0.70
SASR's Revenue Growth (%) is ranked higher than
70% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SASR: -0.70 )
SASR' s 10-Year Revenue Growth (%) Range
Min: -11.7   Max: 18.1
Current: -0.7

-11.7
18.1
EBITDA Growth (%) 18.40
SASR's EBITDA Growth (%) is ranked higher than
87% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SASR: 18.40 )
SASR' s 10-Year EBITDA Growth (%) Range
Min: -19.8   Max: 33.1
Current: 18.4

-19.8
33.1
EPS Growth (%) 31.40
SASR's EPS Growth (%) is ranked higher than
91% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. SASR: 31.40 )
SASR' s 10-Year EPS Growth (%) 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

Q3 2013

SASR Guru Trades in Q3 2013

Jim Simons 78,754 sh (+40.84%)
Columbia Wanger 1,556,632 sh (-3.53%)
» More
Q4 2013

SASR Guru Trades in Q4 2013

Jim Simons 98,000 sh (+24.44%)
Columbia Wanger 1,556,632 sh (unchged)
» More
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
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.40
SASR's P/E(ttm) is ranked higher than
68% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. SASR: 15.40 )
SASR' s 10-Year P/E(ttm) Range
Min: 7.96   Max: 253.29
Current: 15.4

7.96
253.29
P/B 1.10
SASR's P/B is ranked higher than
71% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SASR: 1.10 )
SASR' s 10-Year P/B Range
Min: 0.38   Max: 3.02
Current: 1.1

0.38
3.02
P/S 3.30
SASR's P/S is ranked higher than
51% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.06 vs. SASR: 3.30 )
SASR' s 10-Year P/S Range
Min: 0.77   Max: 5.49
Current: 3.3

0.77
5.49
PFCF 7.90
SASR's PFCF is ranked higher than
80% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.14 vs. SASR: 7.90 )
SASR' s 10-Year PFCF Range
Min: 2.73   Max: 43.93
Current: 7.9

2.73
43.93
EV-to-EBIT 18.34
SASR's EV-to-EBIT is ranked higher than
70% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.09 vs. SASR: 18.34 )
SASR' s 10-Year EV-to-EBIT Range
Min: 13.6   Max: 73.5
Current: 18.34

13.6
73.5
Shiller P/E 28.00
SASR's Shiller P/E is ranked higher than
69% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.69 vs. SASR: 28.00 )
SASR' s 10-Year Shiller P/E Range
Min: 4   Max: 33.83
Current: 28

4
33.83

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.10
SASR's Dividend Yield is ranked higher than
66% of the 1412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.46 vs. SASR: 3.10 )
SASR' s 10-Year Dividend Yield Range
Min: 0.2   Max: 11.73
Current: 3.1

0.2
11.73
Dividend Payout 0.44
SASR's Dividend Payout is ranked higher than
66% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.49 vs. SASR: 0.44 )
SASR' s 10-Year Dividend Payout Range
Min: 0.04   Max: 2
Current: 0.44

0.04
2
Dividend growth (3y) 152.00
SASR's Dividend growth (3y) is ranked higher than
100% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. SASR: 152.00 )
SASR' s 10-Year Dividend growth (3y) Range
Min: -64.8   Max: 152
Current: 152

-64.8
152
Yield on cost (5-Year) 18.60
SASR's Yield on cost (5-Year) is ranked higher than
97% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 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
66% of the 1238 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.40
SASR's Price/Tangible Book is ranked higher than
65% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. SASR: 1.40 )
SASR' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 4.46
Current: 1.4

0.7
4.46
Price/DCF (Projected) 0.60
SASR's Price/DCF (Projected) is ranked higher than
86% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SASR: 0.60 )
SASR' s 10-Year Price/DCF (Projected) Range
Min: 0.23   Max: 1.89
Current: 0.6

0.23
1.89
Price/Median PS Value 1.10
SASR's Price/Median PS Value is ranked higher than
63% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SASR: 1.10 )
SASR' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 2.2
Current: 1.1

0.32
2.2
Price/Graham Number 1.00
SASR's Price/Graham Number is ranked higher than
74% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SASR: 1.00 )
SASR' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 2.32
Current: 1

0.66
2.32
Earnings Yield (Greenblatt) 5.40
SASR's Earnings Yield (Greenblatt) is ranked higher than
58% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SASR: 5.40 )
SASR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 7.3
Current: 5.4

1.4
7.3
Forward Rate of Return (Yacktman) 8.35
SASR's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.09 vs. SASR: 8.35 )
SASR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.6   Max: 39.1
Current: 8.35

-0.6
39.1

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 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 bank's subsidiary, West Financial Services Inc. The bank provides 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.
» 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
SANDY SPRING BANCORP INC Financials Aug 15 2014
SANDY SPRING BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 07 2014
Sandy Spring Bancorp Increases Dividend to $0.20 Per Share Jul 31 2014
Sandy Spring Bancorp Increases Dividend to $0.20 Per Share Jul 31 2014
Sandy Spring Bank Appoints George Cave as Senior Vice President and Northern Virginia Market Leader Jul 24 2014
Sandy Spring Banc upgraded by Robert W. Baird Jul 18 2014
SANDY SPRING BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition Jul 17 2014
Sandy Spring Bancorp Reports Net Income of $7.0 Million for the Second Quarter Jul 17 2014
Sandy Spring Bancorp Reports Net Income of $7.0 Million for the Second Quarter Jul 17 2014
Q2 2014 Sandy Spring Bancorp Earnings Release - Before Market Open Jul 17 2014
Sandy Spring Bancorp, Inc. to Webcast 2nd Quarter Earnings Conference Call on July 17, 2014 Jul 03 2014
Sandy Spring Bancorp, Inc. to Webcast 2nd Quarter Earnings Conference Call on July 17, 2014 Jul 03 2014
SANDY SPRING BANCORP INC Files SEC form 8-K, Other Events May 16 2014
Sandy Spring Bancorp to reserve funds in Q2, sees negative impact to earnings May 16 2014
SANDY SPRING BANCORP INC Files SEC form 10-Q, Quarterly Report May 09 2014
SANDY SPRING BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 08 2014
SANDY SPRING BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition Apr 17 2014
Reese: Three Banks Worth the Investment Mar 21 2014
SANDY SPRING BANCORP INC Files SEC form 10-K, Annual Report Mar 14 2014
SANDY SPRING BANCORP INC Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... Feb 28 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Email Hide