Sandy Spring Bancorp (SASR) Financials

$27.95

$0.35 (1.27%)

As on 31-Mar-2025 16:01EDT

Market cap

$1,262 Mln

Revenue (TTM)

$672 Mln

P/E Ratio

63.5

P/B Ratio

0.8

Div. Yield

4.9 %

Annual
Quarterly

Income Statement ($ Mln)	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14
Operating Revenue	672.27	419.34	497.51	526.57	465.88	336.63
Cost of Revenue	--	--	--	--	--	--
Gross Profit	672.27	419.34	497.51	526.57	465.88	336.63
Operating Expenses	26.57	419.34	14.37	-214.91	-341.45	-183.77
Operating Profit (EBIT)	645.70	164.14	291.02	311.66	124.42	152.86
Other Income	--	--	--	--	--	--
Profit before Tax	48.96	164.14	222.36	311.66	124.42	152.86
Provision for Tax	29.03	41.29	56.06	76.55	27.47	36.43
Profit after Tax (Net Income)	19.94	122.84	166.30	235.11	96.95	116.43
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	166.30	233.60	96.95	116.43

Liabilities ($ Mln)	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14
Shareholder's Funds	1,558.01	1,588.14	1,483.77	1,519.68	1,469.96	1,132.97
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	621.40	12,409.66	153.76	172.71	606.16	723.18
Current Liabilities	--	30.37	153.76	132.52	146.09	118.92
Total Liabilities	14,127.48	14,028.17	13,833.12	12,590.73	12,798.43	8,629.00

Assets ($ Mln)	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14
Non-Current Assets	395.79	13,435.69	450.36	1,962.89	1,874.25	1,538.74
Current Assets	126.33	592.48	1,447.75	1,919.95	1,691.16	1,242.51
Total Assets	14,127.48	14,028.17	13,833.12	12,590.73	12,798.43	8,629.00
Total Debt*	621.40	920.80	1,925.68	466.38	1,935.21	723.18
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14
Cash From Operating Activities	38.29	137.82	216.32	216.40	141.98	99.94
Cash Flow from Investing Activities	--	--	-1,619.20	308.26	-1,200.20	-241.28
Cash from Financing Activities	79.67	36.91	1,175.09	-401.64	1,209.12	185.96
Net Cash Inflow / Outflow	--	--	-227.79	123.02	150.90	44.62

Financials Ratios	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14
Adjusted EPS ($)	0.44	2.73	3.71	5.13	2.04	3.25
Cash EPS ($)	1.02	3.22	3.84	5.27	2.45	3.63
Adjusted Book Value ($)	34.44	35.28	33.10	33.14	30.87	31.67
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	0.85	3.06	4.83	4.72	2.98	2.79
Free Cash Flow per Share ($)	1.49	2.75	4.50	4.47	2.88	2.65

Profitability Ratios	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14
ROCE (%)	0.85	4.15	6.16	8.72	3.69	5.95
ROE (%)	1.27	8.00	11.07	15.73	7.45	10.58
ROA (%)	0.14	0.88	1.26	1.85	0.90	1.38
EBIT Margin (%)	--	39.14	44.69	59.19	27.81	46.67
Net Margin (%)	2.97	29.29	33.43	44.65	20.81	34.59
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14
Revenue Growth (%)	0.60	-0.16	-0.06	0.13	0.38	0.05
EBIT Growth (%)	--	-26.18	-28.66	140.54	-17.53	15.66
Net Profit Growth (%)	-83.77	-26.13	-29.27	142.50	-16.73	15.44
EPS Growth (%)	-0.84	-0.26	-0.28	1.52	-0.37	0.15
Book Value Growth (%)	--	--	--	--	--	--

Valuation Ratios	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14
Price / Earnings	76.51	9.98	9.50	9.38	15.81	11.64
Price / Book Value	0.98	0.77	1.06	1.45	1.04	1.20
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	--	4.98	8.96	2.41	12.64	5.17
Close Price ($)	33.71	27.24	35.23	48.08	32.19	37.88
High Price ($)	39.55	35.90	52.04	51.31	38.45	38.33
Low Price ($)	19.52	19.27	32.33	31.25	18.00	29.83
Market Cap ($ Cr)	--	--	--	--	--	--

Solvency Ratios	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14
Debt to Equity	0.40	0.58	1.30	0.31	1.32	0.64
Short term debt to equity ratio	--	0.05	0.46	0.10	0.53	0.32
Current Ratio	--	19.51	9.42	14.49	11.58	10.45
Quick Ratio	--	23.75	10.94	17.92	13.94	11.89
Interest Coverage	--	0.58	3.24	12.10	2.15	1.90

Operating Efficiency Ratios	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14
Debtors to sales (%)	6.79	11.11	8.28	6.52	9.97	6.92
Asset Turnover	0.05	0.03	0.04	0.04	0.04	0.04
Receivable days	25.05	38.22	27.72	28.02	27.33	25.98
Inventory Days	--	--	--	--	--	--
Payable days	--	--	--	--	--	--
Cash Conversion Cycle	--	--	--	--	--	--