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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 0.16
SASR's Cash to Debt is ranked lower than
89% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. SASR: 0.16 )
Ranked among companies with meaningful Cash to Debt only.
SASR' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.14 Max: 0.31
Current: 0.16
0.07
0.31
Equity to Asset 0.11
SASR's Equity to Asset is ranked higher than
59% of the 1608 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: 0.1 Max: 0.12
Current: 0.11
0.07
0.12
Interest Coverage 3.43
SASR's Interest Coverage is ranked higher than
71% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. SASR: 3.43 )
Ranked among companies with meaningful Interest Coverage only.
SASR' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 2.41 Max: 3.45
Current: 3.43
0.32
3.45
F-Score: 6
M-Score: -2.39
WACC vs ROIC
5.66%
4.48%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 35.89
SASR's Operating margin (%) is ranked higher than
61% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. SASR: 35.89 )
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: 35.89
-20.71
37.75
Net-margin (%) 24.05
SASR's Net-margin (%) is ranked higher than
55% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. SASR: 24.05 )
Ranked among companies with meaningful Net-margin (%) only.
SASR' s Net-margin (%) Range Over the Past 10 Years
Min: -9.97  Med: 21.7 Max: 25.04
Current: 24.05
-9.97
25.04
ROE (%) 9.12
SASR's ROE (%) is ranked higher than
54% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. SASR: 9.12 )
Ranked among companies with meaningful ROE (%) only.
SASR' s ROE (%) Range Over the Past 10 Years
Min: -5.14  Med: 7.93 Max: 11.66
Current: 9.12
-5.14
11.66
ROA (%) 1.00
SASR's ROA (%) is ranked higher than
59% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 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: 1.14
Current: 1
-0.43
1.14
Revenue Growth (3Y)(%) 5.50
SASR's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. SASR: 5.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SASR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.7  Med: 4.7 Max: 18
Current: 5.5
-11.7
18
EBITDA Growth (3Y)(%) -0.10
SASR's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. SASR: -0.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SASR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.8  Med: 6.1 Max: 33.1
Current: -0.1
-19.8
33.1
EPS Growth (3Y)(%) 4.20
SASR's EPS Growth (3Y)(%) is ranked higher than
50% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SASR: 4.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SASR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.1  Med: 7.5 Max: 31.4
Current: 4.2
-27.1
31.4
GuruFocus has detected 4 Warning Signs with Sandy Spring Bancorp Inc $SASR.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SASR's 10-Y Financials

Financials (Next Earnings Date: 2017-01-20)


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

» Details

Guru Trades

Q4 2015

SASR Guru Trades in Q4 2015

Jim Simons 206,894 sh (+17.02%)
Columbia Wanger 961,114 sh (-27.80%)
» More
Q1 2016

SASR Guru Trades in Q1 2016

Jim Simons 240,900 sh (+16.44%)
Columbia Wanger 330,657 sh (-65.60%)
» More
Q2 2016

SASR Guru Trades in Q2 2016

Columbia Wanger 352,937 sh (+6.74%)
Jim Simons 248,300 sh (+3.07%)
» More
Q3 2016

SASR Guru Trades in Q3 2016

Columbia Wanger 393,331 sh (+11.45%)
Jim Simons 258,400 sh (+4.07%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:STBZ, NYSE:CPF, NAS:OPB, NAS:CHCO, NAS:NFBK, NAS:WASH, NAS:CFNL, NAS:PPBI, NAS:LBAI, NAS:SYBT, NAS:CTBI, NYSE:CUBI, NAS:SBSI, NYSE:BANC, NAS:SBCF, NAS:TRST, NAS:RBCAA, NAS:EFSC, NYSE:NBHC, NAS:CNOB » details
Sandy Spring Bancorp Inc is a bank holding company. The Company through its subsidiary, conducts a full-service commercial banking, mortgage banking and trust business. It also offers investment and wealth management services through its subsidiary.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 19.67
SASR's P/E(ttm) is ranked lower than
72% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.41 vs. SASR: 19.67 )
Ranked among companies with meaningful P/E(ttm) only.
SASR' s P/E(ttm) Range Over the Past 10 Years
Min: 7.97  Med: 15.23 Max: 295.5
Current: 19.67
7.97
295.5
Forward P/E 17.48
SASR's Forward P/E is ranked lower than
65% of the 360 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.55 vs. SASR: 17.48 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.67
SASR's PE(NRI) is ranked lower than
72% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. SASR: 19.67 )
Ranked among companies with meaningful PE(NRI) only.
SASR' s PE(NRI) Range Over the Past 10 Years
Min: 7.97  Med: 15.23 Max: 295.5
Current: 19.67
7.97
295.5
Price/Owner Earnings (ttm) 22.49
SASR's Price/Owner Earnings (ttm) is ranked lower than
82% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.83 vs. SASR: 22.49 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SASR' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.3  Med: 12.27 Max: 41.32
Current: 22.49
5.3
41.32
P/B 1.78
SASR's P/B is ranked lower than
79% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SASR: 1.78 )
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: 2.52
Current: 1.78
0.38
2.52
P/S 4.74
SASR's P/S is ranked lower than
75% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. SASR: 4.74 )
Ranked among companies with meaningful P/S only.
SASR' s P/S Range Over the Past 10 Years
Min: 0.77  Med: 3.09 Max: 4.88
Current: 4.74
0.77
4.88
PFCF 18.34
SASR's PFCF is ranked lower than
64% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. SASR: 18.34 )
Ranked among companies with meaningful PFCF only.
SASR' s PFCF Range Over the Past 10 Years
Min: 2.39  Med: 9.84 Max: 21.17
Current: 18.34
2.39
21.17
POCF 16.95
SASR's POCF is ranked lower than
65% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. SASR: 16.95 )
Ranked among companies with meaningful POCF only.
SASR' s POCF Range Over the Past 10 Years
Min: 2.28  Med: 9.11 Max: 17.45
Current: 16.95
2.28
17.45
EV-to-EBIT 20.06
SASR's EV-to-EBIT is ranked lower than
72% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. SASR: 20.06 )
Ranked among companies with meaningful EV-to-EBIT only.
SASR' s EV-to-EBIT Range Over the Past 10 Years
Min: -9324.9  Med: 17.5 Max: 70.2
Current: 20.06
-9324.9
70.2
EV-to-EBITDA 18.52
SASR's EV-to-EBITDA is ranked lower than
71% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.34 vs. SASR: 18.52 )
Ranked among companies with meaningful EV-to-EBITDA only.
SASR' s EV-to-EBITDA Range Over the Past 10 Years
Min: -49.7  Med: 15.2 Max: 73.6
Current: 18.52
-49.7
73.6
PEG 4.48
SASR's PEG is ranked lower than
70% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. SASR: 4.48 )
Ranked among companies with meaningful PEG only.
SASR' s PEG Range Over the Past 10 Years
Min: 1.18  Med: 3.68 Max: 17.9
Current: 4.48
1.18
17.9
Shiller P/E 29.25
SASR's Shiller P/E is ranked lower than
71% of the 483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SASR: 29.25 )
Ranked among companies with meaningful Shiller P/E only.
SASR' s Shiller P/E Range Over the Past 10 Years
Min: 3.85  Med: 13.58 Max: 29.25
Current: 29.25
3.85
29.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.49
SASR's Dividend Yield is ranked lower than
54% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. SASR: 2.49 )
Ranked among companies with meaningful Dividend Yield only.
SASR' s Dividend Yield Range Over the Past 10 Years
Min: 0.2  Med: 2.74 Max: 11.73
Current: 2.49
0.2
11.73
Dividend Payout 0.49
SASR's Dividend Payout is ranked lower than
74% of the 1313 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. SASR: 0.49 )
Ranked among companies with meaningful Dividend Payout only.
SASR' s Dividend Payout Range Over the Past 10 Years
Min: 0.05  Med: 0.46 Max: 1.02
Current: 0.49
0.05
1.02
Dividend Growth (3y) 15.30
SASR's Dividend Growth (3y) is ranked higher than
77% of the 728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. SASR: 15.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SASR' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -64.8  Med: 9.1 Max: 152
Current: 15.3
-64.8
152
Forward Dividend Yield 2.64
SASR's Forward Dividend Yield is ranked lower than
54% of the 2244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. SASR: 2.64 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 33.69
SASR's Yield on cost (5-Year) is ranked higher than
99% of the 2639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. SASR: 33.69 )
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: 2.72  Med: 37.22 Max: 159.33
Current: 33.69
2.72
159.33
3-Year Average Share Buyback Ratio 1.10
SASR's 3-Year Average Share Buyback Ratio is ranked higher than
84% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. SASR: 1.10 )
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: -14.7  Med: -0.8 Max: 1.1
Current: 1.1
-14.7
1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.13
SASR's Price/Tangible Book is ranked lower than
79% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. SASR: 2.13 )
Ranked among companies with meaningful Price/Tangible Book only.
SASR' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.7  Med: 2.09 Max: 3.65
Current: 2.13
0.7
3.65
Earnings Yield (Greenblatt) (%) 5.00
SASR's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. SASR: 5.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SASR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.4  Med: 5.6 Max: 7.7
Current: 5
1.4
7.7
Forward Rate of Return (Yacktman) (%) 10.44
SASR's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. SASR: 10.44 )
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: 6.4  Med: 12.1 Max: 31.8
Current: 10.44
6.4
31.8

More Statistics

Revenue (TTM) (Mil) $200.6
EPS (TTM) $ 2.00
Beta0.85
Short Percentage of Float1.02%
52-Week Range $24.17 - 40.86
Shares Outstanding (Mil)23.90

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.25 2.37
EPS w/o NRI ($) 2.25 2.37
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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. :SASR-US: Earnings Analysis: Q4, 2016 By the Numbers : January 20, 2017 Jan 20 2017
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