ScoreComparison
Why is Sandy Spring Bancorp, Inc. ?
1
Flat results in Dec 24
- OPERATING CASH FLOW(Y) Lowest at USD 83.71 MM
- NET PROFIT(HY) At USD 35.31 MM has Grown at -24.53%
- CREDIT DEPOSIT RATIO(HY) Lowest at 98.23%
2
With ROE of 5, it has a very expensive valuation with a 0.8 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have fallen by -36%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Sandy Spring Bancorp, Inc. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Sandy Spring Bancorp, Inc.
20.58%
0.58
35.78%
S&P 500
13.22%
0.61
20.23%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.08%
EBIT Growth (5y)
-4.89%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
55.29%
Pledged Shares
0
Institutional Holding
89.81%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
0.81
EV to EBIT
15.68
EV to EBITDA
12.50
EV to Capital Employed
0.82
EV to Sales
2.00
PEG Ratio
NA
Dividend Yield
3.63%
ROCE (Latest)
5.23%
ROE (Latest)
5.04%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Bearish
Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Sandy Spring Bancorp, Inc.
NII
Highest at USD 86.09 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 171.05 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
CASA
Highest at 11.36%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Sandy Spring Bancorp, Inc.
Operating Cash Flow
Lowest at USD 83.71 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Profit
At USD 35.31 MM has Grown at -24.53%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
Credit Deposit Ratio
Lowest at 98.23% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
EPS
Lowest at USD -0.87
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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