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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.15
SASR's Cash-to-Debt is ranked lower than
90% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SASR: 0.15 )
Ranked among companies with meaningful Cash-to-Debt only.
SASR' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.17 Max: N/A
Current: 0.15
Equity-to-Asset 0.11
SASR's Equity-to-Asset is ranked higher than
61% of the 1628 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: 0.13
Current: 0.11
0.07
0.13
Interest Coverage 3.72
SASR's Interest Coverage is ranked higher than
73% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. SASR: 3.72 )
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: 3.72
Current: 3.72
0.32
3.72
Beneish M-Score: -2.46
WACC vs ROIC
4.86%
4.93%
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 % 38.61
SASR's Operating Margin % is ranked higher than
66% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. SASR: 38.61 )
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: 38.61
Current: 38.61
-20.71
38.61
Net Margin % 25.76
SASR's Net Margin % is ranked higher than
60% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. SASR: 25.76 )
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: 25.76
Current: 25.76
-9.97
25.76
ROE % 9.85
SASR's ROE % is ranked higher than
60% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. SASR: 9.85 )
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: 9.85
-5.14
11.66
ROA % 1.07
SASR's ROA % is ranked higher than
63% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. SASR: 1.07 )
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: 1.07
-0.43
1.14
3-Year Revenue Growth Rate 5.50
SASR's 3-Year Revenue Growth Rate is ranked higher than
57% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. SASR: 5.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SASR' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -11.7  Med: 5.65 Max: 116
Current: 5.5
-11.7
116
3-Year EBITDA Growth Rate 3.40
SASR's 3-Year EBITDA Growth Rate is ranked lower than
60% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SASR: 3.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SASR' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -19.8  Med: 8.9 Max: 33.1
Current: 3.4
-19.8
33.1
3-Year EPS without NRI Growth Rate 4.20
SASR's 3-Year EPS without NRI Growth Rate is ranked lower than
58% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. SASR: 4.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SASR' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -27.1  Med: 12.45 Max: 31.4
Current: 4.2
-27.1
31.4
GuruFocus has detected 2 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 30-Y Financials

Financials (Next Earnings Date: 2017-10-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NYSE:CPF, NAS:EFSC, NAS:SBSI, OTCPK:FMBL, NAS:CFNL, NAS:STBZ, NAS:CHCO, NAS:HAFC, NAS:SBCF, NYSE:FBK, NAS:LBAI, NAS:WASH, NYSE:NBHC, NYSE:BANC, NYSE:CUBI, NAS:SYBT, NAS:NFBK, NAS:MSFG, NAS:BRKL, NAS:BUSE » details
Headquarter Location:USA
Sandy Spring Bancorp Inc through its subsidiary, provides commercial banking, mortgage banking and trust services. It also offers investment and wealth management services through its subsidiary.

Sandy Spring Bancorp Inc is the bank holding company for Sandy Spring Bank (the bank). It is an independent, community oriented banking organization that conducts a full-service commercial banking business in Central Maryland, Northern Virginia, and Washington D. C. It focuses on lending and other services to businesses and consumers in the local market area. Through its subsidiaries, Sandy Spring Insurance Corporation and West Financial Services, Inc., Sandy Spring Bank offers a comprehensive menu of insurance and investment management services.

Ratios

vs
industry
vs
history
PE Ratio 18.01
SASR's PE Ratio is ranked lower than
66% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. SASR: 18.01 )
Ranked among companies with meaningful PE Ratio only.
SASR' s PE Ratio Range Over the Past 10 Years
Min: 7.97  Med: 15.29 Max: 295.5
Current: 18.01
7.97
295.5
Forward PE Ratio 16.64
SASR's Forward PE Ratio is ranked lower than
60% of the 384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.67 vs. SASR: 16.64 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.01
SASR's PE Ratio without NRI is ranked lower than
66% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. SASR: 18.01 )
Ranked among companies with meaningful PE Ratio without NRI only.
SASR' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.97  Med: 15.29 Max: 295.5
Current: 18.01
7.97
295.5
Price-to-Owner-Earnings 16.83
SASR's Price-to-Owner-Earnings is ranked lower than
62% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. SASR: 16.83 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SASR' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.3  Med: 12.45 Max: 41.32
Current: 16.83
5.3
41.32
PB Ratio 1.73
SASR's PB Ratio is ranked lower than
79% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SASR: 1.73 )
Ranked among companies with meaningful PB Ratio only.
SASR' s PB Ratio Range Over the Past 10 Years
Min: 0.38  Med: 1.17 Max: 2.39
Current: 1.73
0.38
2.39
PS Ratio 4.65
SASR's PS Ratio is ranked lower than
72% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. SASR: 4.65 )
Ranked among companies with meaningful PS Ratio only.
SASR' s PS Ratio Range Over the Past 10 Years
Min: 0.77  Med: 3.11 Max: 5.23
Current: 4.65
0.77
5.23
Price-to-Free-Cash-Flow 9.18
SASR's Price-to-Free-Cash-Flow is ranked higher than
60% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. SASR: 9.18 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SASR' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.39  Med: 9.79 Max: 21.17
Current: 9.18
2.39
21.17
Price-to-Operating-Cash-Flow 8.71
SASR's Price-to-Operating-Cash-Flow is ranked higher than
59% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. SASR: 8.71 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SASR' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.28  Med: 9.03 Max: 15.82
Current: 8.71
2.28
15.82
EV-to-EBIT 19.34
SASR's EV-to-EBIT is ranked lower than
71% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. SASR: 19.34 )
Ranked among companies with meaningful EV-to-EBIT only.
SASR' s EV-to-EBIT Range Over the Past 10 Years
Min: -9324.9  Med: 17.55 Max: 70.2
Current: 19.34
-9324.9
70.2
EV-to-EBITDA 17.55
SASR's EV-to-EBITDA is ranked lower than
72% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. SASR: 17.55 )
Ranked among companies with meaningful EV-to-EBITDA only.
SASR' s EV-to-EBITDA Range Over the Past 10 Years
Min: -49.7  Med: 15.3 Max: 73.6
Current: 17.55
-49.7
73.6
PEG Ratio 3.05
SASR's PEG Ratio is ranked lower than
76% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. SASR: 3.05 )
Ranked among companies with meaningful PEG Ratio only.
SASR' s PEG Ratio Range Over the Past 10 Years
Min: 1.18  Med: 3.51 Max: 18.47
Current: 3.05
1.18
18.47
Shiller PE Ratio 28.55
SASR's Shiller PE Ratio is ranked lower than
74% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. SASR: 28.55 )
Ranked among companies with meaningful Shiller PE Ratio only.
SASR' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.87  Med: 15.07 Max: 32.44
Current: 28.55
3.87
32.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.60
SASR's Dividend Yield % is ranked lower than
51% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. SASR: 2.60 )
Ranked among companies with meaningful Dividend Yield % only.
SASR' s Dividend Yield % Range Over the Past 10 Years
Min: 0.2  Med: 2.73 Max: 11.73
Current: 2.6
0.2
11.73
Dividend Payout Ratio 0.46
SASR's Dividend Payout Ratio is ranked lower than
70% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. SASR: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SASR' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.46 Max: 1.02
Current: 0.46
0.05
1.02
3-Year Dividend Growth Rate 15.30
SASR's 3-Year Dividend Growth Rate is ranked higher than
73% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SASR: 15.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SASR' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 10.1 Max: 152
Current: 15.3
0
152
Forward Dividend Yield % 2.65
SASR's Forward Dividend Yield % is ranked lower than
54% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. SASR: 2.65 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 7.44
SASR's 5-Year Yield-on-Cost % is ranked higher than
80% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. SASR: 7.44 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SASR' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.57  Med: 7.81 Max: 33.56
Current: 7.44
0.57
33.56
3-Year Average Share Buyback Ratio 1.50
SASR's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SASR: 1.50 )
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: -1.05 Max: 1.5
Current: 1.5
-14.7
1.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.05
SASR's Price-to-Tangible-Book is ranked lower than
81% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SASR: 2.05 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SASR' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.7  Med: 2.08 Max: 3.68
Current: 2.05
0.7
3.68
Price-to-Intrinsic-Value-Projected-FCF 0.86
SASR's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
57% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SASR: 0.86 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SASR' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.77 Max: 2.31
Current: 0.86
0.24
2.31
Price-to-Median-PS-Value 1.49
SASR's Price-to-Median-PS-Value is ranked lower than
80% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SASR: 1.49 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SASR' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.32  Med: 1.24 Max: 2.25
Current: 1.49
0.32
2.25
Price-to-Peter-Lynch-Fair-Value 3.24
SASR's Price-to-Peter-Lynch-Fair-Value is ranked lower than
91% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SASR: 3.24 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
SASR' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.68  Med: 1.66 Max: 5.63
Current: 3.24
0.68
5.63
Price-to-Graham-Number 1.28
SASR's Price-to-Graham-Number is ranked lower than
74% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. SASR: 1.28 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SASR' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.68  Med: 1.25 Max: 3.43
Current: 1.28
0.68
3.43
Earnings Yield (Greenblatt) % 5.17
SASR's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. SASR: 5.17 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SASR' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -6.2  Med: 5.4 Max: 7.7
Current: 5.17
-6.2
7.7
Forward Rate of Return (Yacktman) % 12.41
SASR's Forward Rate of Return (Yacktman) % is ranked higher than
54% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. SASR: 12.41 )
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: 12.2 Max: 31.7
Current: 12.41
6.4
31.7

More Statistics

Revenue (TTM) (Mil) $203.99
EPS (TTM) $ 2.18
Beta0.86
Short Percentage of Float2.25%
52-Week Range $27.06 - 45.64
Shares Outstanding (Mil)24.15

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.36 2.75
EPS without NRI ($) 2.36 2.75
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for SASR

Headlines

Articles On GuruFocus.com
Sandy Spring Bancorp Acquisition of WashingtonFirst Bankshares to Create Region’s Largest, Loca May 16 2017 
Sandy Spring Bancorp Declares Quarterly Dividend Apr 27 2017 
Sandy Spring Bancorp, Inc. to Webcast First Quarter Earnings Conference Call on April 20, 2017 Apr 06 2017 
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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Sandy Spring Bancorp posts 1Q profit Apr 20 2017
Sandy Spring Bancorp Reports Record Net Income of $15.1 Million for the First Quarter Apr 20 2017
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