Financials Sandy Spring Bancorp, Inc.

Equities

SASR

US8003631038

Banks

Market Closed - Nasdaq 01:30:00 27/04/2024 am IST 5-day change 1st Jan Change
21.49 USD +0.56% Intraday chart for Sandy Spring Bancorp, Inc. +3.52% -21.11%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,350 1,514 2,193 1,573 1,223 965.8 -
Enterprise Value (EV) 1 1,350 1,514 2,193 1,573 1,223 965.8 965.8
P/E ratio 11.7 x 14.8 x 9.65 x 9.57 x 9.98 x 11.4 x 7.84 x
Yield 3.12% 3.73% 2.66% 3.86% 4.99% 6.4% 6.61%
Capitalization / Revenue 4.01 x 3.25 x 4.14 x 3.04 x 2.87 x 2.38 x 2.01 x
EV / Revenue 4.01 x 3.25 x 4.14 x 3.04 x 2.87 x 2.38 x 2.01 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.17 x 1.03 x 1.43 x 1.06 x 0.77 x 0.6 x 0.57 x
Nbr of stocks (in thousands) 35,631 47,040 45,619 44,644 44,895 44,940 -
Reference price 2 37.88 32.19 48.08 35.23 27.24 21.49 21.49
Announcement Date 23/01/20 21/01/21 20/01/22 26/01/23 23/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 336.6 465.9 530.3 517.9 425.8 406.6 481.7
EBITDA - - - - - - -
EBIT 1 158.9 235.3 269.8 246.7 150.8 133 204.7
Operating Margin 47.19% 50.5% 50.88% 47.64% 35.41% 32.71% 42.49%
Earnings before Tax (EBT) 1 152.9 124.4 311.7 222.4 164.1 115.1 168.1
Net income 1 116.4 96.95 233.6 165.6 122.6 84.66 123.3
Net margin 34.59% 20.81% 44.05% 31.98% 28.8% 20.82% 25.61%
EPS 2 3.250 2.180 4.980 3.680 2.730 1.880 2.740
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.180 1.200 1.280 1.360 1.360 1.375 1.420
Announcement Date 23/01/20 21/01/21 20/01/22 26/01/23 23/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 131.9 128.7 122 141.2 129.8 122 113.3 108.7 102.5 99.37 97.71 98.92 102.5 106.4 112.6
EBITDA - - - - - - - - - - - - - - -
EBIT 1 68.7 62.52 59.9 - 65.2 57.6 46.95 38.51 30 32.23 29.7 30.8 34.1 37.3 46.29
Operating Margin 52.09% 48.59% 49.08% - 50.21% 47.22% 41.45% 35.44% 29.28% 32.43% 30.4% 31.13% 33.27% 35.06% 41.11%
Earnings before Tax (EBT) 1 76.05 60.08 58.26 73.16 45.17 45.76 68.48 33.46 27.64 34.56 27.32 26.28 29.14 31.96 36.59
Net income 1 56.98 45.11 43.94 54.8 33.47 33.87 51.08 24.71 20.75 26.07 20.35 19.33 21.43 23.58 26.63
Net margin 43.2% 35.06% 36% 38.81% 25.78% 27.77% 45.11% 22.74% 20.25% 26.23% 20.82% 19.54% 20.91% 22.17% 23.64%
EPS 2 1.200 0.9900 0.9600 1.210 0.7500 0.7600 1.140 0.5500 0.4600 0.5800 0.4500 0.4267 0.4733 0.5233 0.5760
Dividend per Share 2 0.3200 0.3200 0.3400 0.3400 0.3400 0.3400 0.3400 0.3400 0.3400 0.3400 0.3475 0.3450 0.3450 0.3450 0.3560
Announcement Date 21/10/21 20/01/22 21/04/22 21/07/22 20/10/22 26/01/23 20/04/23 25/07/23 24/10/23 23/01/24 23/04/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 10.5% 7.24% 15.5% 11.2% 8.04% 5.31% 7.51%
ROA (Net income/ Total Assets) 1.39% 0.82% 1.83% 1.26% 0.87% 0.6% 0.85%
Assets 1 8,376 11,824 12,765 13,144 14,094 14,033 14,578
Book Value Per Share 2 32.40 31.20 33.70 33.20 35.40 36.00 38.00
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 23/01/20 21/01/21 20/01/22 26/01/23 23/01/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings
Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
5
Last Close Price
21.49 USD
Average target price
25.2 USD
Spread / Average Target
+17.26%
Consensus
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