Market cap
$1,262 Mln
Revenue (TTM)
$672 Mln
P/E Ratio
63.5
P/B Ratio
0.8
Div. Yield
4.9 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 99.81 | 10.92 | 32.98 | 8.48 | 14.84 |
| EBIT | -- | -- | -36.86 | -36.09 | -13.02 |
| Net Profit | -343.40 | -251.16 | -83.77 | -56.07 | -29.74 |
| EPS | -343.40 | -250.38 | -83.79 | -55.40 | -32.88 |
| Book Value | -- | -- | -2.40 | 1.29 | 1.69 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | Dec-24 | Dec-23 | Dec-22 |
| EBIT-Margin
| 41.92 | 42.71 | -- | 39.14 | 44.69 |
| Net Margin
| -- | -- | -- | -- | -- |
| Return on equity
| 6.78 | 8.70 | 1.27 | 8.00 | 11.07 |
| Return on Capital
| 3.72 | 4.71 | 0.85 | 4.15 | 6.16 |
| Return on Assets
| 0.76 | 1.01 | 0.14 | 0.88 | 1.26 |
| Debt to Equity (x)
| -- | -- | 0.40 | 0.58 | 1.30 |
Profitability
ROCE
0.85
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
0.85
|
4.15
|
6.16
|
8.72
|
3.69
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
1.27
--
Profit after tax / Average Net worth * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
1.27
|
8.00
|
11.07
|
15.73
|
7.45
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROA
0.14
--
Profit after tax / Average Total assets * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
0.14
|
0.88
|
1.26
|
1.85
|
0.90
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EBIT Margin
--
--
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
--
|
39.14
|
44.69
|
59.19
|
27.81
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Net Margin
2.97
--
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
2.97
|
29.29
|
33.43
|
44.65
|
20.81
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Revenue Growth
0.60
--
Year on year growth in net sales
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
0.60
|
-0.16
|
-0.06
|
0.13
|
0.38
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EBIT Growth
--
--
Year on year growth in operating profit (EBIT)
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
--
|
-26.18
|
-28.66
|
140.54
|
-17.53
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Net Profit Growth
-83.77
--
Year on year growth in profit after tax
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
-83.77
|
-26.13
|
-29.27
|
142.50
|
-16.73
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EPS Growth
-0.84
--
Year on year growth in earnings per share
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
-0.84
|
-0.26
|
-0.28
|
1.52
|
-0.37
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.40
--
Total debt / Net worth
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
0.40
|
0.58
|
1.30
|
0.31
|
1.32
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
--
--
(Short term borrowings / Net worth)
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
--
|
0.05
|
0.46
|
0.10
|
0.53
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
--
--
Current Assets / Current Liabilities and Provisions
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
--
|
19.51
|
9.42
|
14.49
|
11.58
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Quick Ratio
--
--
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
--
|
23.75
|
10.94
|
17.92
|
13.94
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Interest Coverage
--
--
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
--
|
0.58
|
3.24
|
12.10
|
2.15
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
6.79
--
Debtors outstanding / Net Sales * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
6.79
|
11.11
|
8.28
|
6.52
|
9.97
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Asset Turnover
0.05
--
Sales / Average Total Assets
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
0.05
|
0.03
|
0.04
|
0.04
|
0.04
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Receivable days
25.05
--
Average Debtors / Sales * 365
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
25.05
|
38.22
|
27.72
|
28.02
|
27.33
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
76.51
--
Current share price divided by earning per share in the last twelve months
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
76.51
|
9.98
|
9.50
|
9.38
|
15.81
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Price / Book Value
0.98
--
Current share price divided by book value per share in the latest financial year
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
0.98
|
0.77
|
1.06
|
1.45
|
1.04
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Sandy Spring Bancorp (SASR)
|
--
|
4.98
|
8.96
|
2.41
|
12.64
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|