| Company Name: | Sandy Spring Bancorp, Inc. | | Ticker Symbol: | SASR | | | WWW Address: | www.sandyspringbank.com | | CEO: | Daniel J. Schrider | | No. of Employees: | 717 | | Common Issue Type: | CS | | Business Description: | A bank holding company, which through its subsidiary, Sandy Spring Bank conducts a full-service commercial banking, mortgage banking and trust business.
|
| | | Industry Information: | BANKING - Regional - Mid-Atlantic Banks [more like this] |
|
| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 10.035 |  0.535 | 9.99 | 10.06 | 9.66 | 9.57 | 9.33 | 45552 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 165.6 | 16.5 | 1.09 | 0.96 | 0.96 | 0.0 | 5.1 | 22.95 - 6.50 |
|
| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 9.50 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 156.5 | mil |
| Latest Shares Outstanding | 16.5 | mil |
| Earnings pS (EPS) | 0.96 | $ |
| Dividend pS (DPS) | 0.96 | ¢ |
| Dividend Yield | 5.1 | % |
| Dividend Payout Ratio | 100 | % |
| Revenue per Employee | 299,983 | $ |
| Effective Tax Rate | 18.8 | % |
| Float | 15.9 | mil |
| Float as % of Shares Outstanding | 96.8 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 10.7 | % |
| Pre-Tax Profit Margin | -15.4 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -0.4 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -3.6 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 12.1 | |
| Interest Cover | 0.4 | |
| Total Debt/Equity (Gearing Ratio) | 1.77 | |
| LT Debt/Total Capital | 9.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 18.25 | $ |
| Tangible Book-Value pS | 13.04 | $ |
| Cash Flow pS | -1.13 | $ |
| Free Cash Flow pS | -1.14 | $ |
 |
| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.52 | |
| Price/Tangible Book Ratio | 0.73 | |
| Price/Cash Flow | -8.4 | |
| Price/Free Cash Flow | -8.3 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 08/27/2009 |
| Dividend Ex-Date | 09/01/2009 |
| Dividend Record Date | 09/06/2009 |
| Dividend Pay Date | 09/16/2009 |
| Dividend Amount | 120 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.48 |
| Current Dividend Yield | 5.1 |
| 5-Y Average Dividend Yield | 2.9 |
| Payout Ratio | 100.0 |
| 5-Y Average Payout Ratio | 61.0 |
|  | | Share price performance previous 3 years |
|
 | | | Share price performance intraday |
|
 | |
| |
| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 4.5 | 105 | 683 | 3,846 |
| 4 Weeks | 12.56 | 9.01 | 12.00 | -20.8 | 78 | 570 | 11,402 |
| 13 Weeks | 17.36 | 9.01 | 17.24 | -44.9 | 52 | 441 | 28,253 |
| 26 Weeks | 17.92 | 9.01 | 13.17 | -27.9 | 59 | 455 | 57,815 |
| 52 Weeks | 22.95 | 6.50 | 15.92 | -40.3 | 44 | 520 | 130,636 |
| YTD | 22.48 | 6.50 | - | -56.5 | 36 | 500 | 112,426 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 9.61 | 9.61 | 13.14 | 14.69 | 14.01 | 1.09 | 1.15 |
|
| |
| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 9.21 | 75.8 | 2.32 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | -0.89 | 1.2 | -7.50 |
| Capital Spending | -8.66 | NA | -31.38 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -7.9 | -5.8 | -4.5 |
| Earnings % | -100.0 | -100.0 | -51.1 |
| EPS % | -100.0 | -100.0 | -52.2 |
| EPS $ | -1.88 | -1.16 | -1.05 |
|
| |
| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 14.38 |
| Free Cash Flow Margin 5YEAR AVG | 9.44 |
| Cash-Flow pS | 2.57 |
| Free Cash-Flow pS | 1.48 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 8.46 |
| Debt Ratio | 88.17 |
| Total Debt/Equity (Gearing Ratio) | 1.33 |
| LT Debt/Equity | 0.26 |
| LT Debt/Capital Invested | 20.59 |
| LT Debt/Total Liabilities | 3.48 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.05 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | 0.25 |
| Enterprise Value (EV)/Free Cash Flow | 2.48 |
| Dividend Yield | 5.1 |
| Price/Tangible Book Ratio - LTM | 0.73 |
| Price/Book Ratio - LTM | 0.52 |
| Price/Cash Flow Ratio | -8.4 |
| Price/Free Cash Flow Ratio - LTM | -8.3 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 25.3 |
| P/E Ratio (52 weeks ago) - LTM | 9.5 |
| 5-Y High P/E Ratio | 41.0 |
| 5-Y Low P/E Ratio | 12.7 |
| 5-Y Average P/E Ratio | 21.7 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 13.04 |
| Book Value pS - LTM | 18.25 |
| Capital Invested pS | 29.96 |
| Cash Flow pS - LTM | -1.13 |
| Free Cash Flow pS - LTM | -1.14 |
| Earnings pS (EPS) | 0.96 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 5.05 |
| Return on Equity (ROE) - 5YEAR AVRG. | 10.0 |
| Return on Capital Invested (ROCI) | 3.20 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 7.5 |
| Return on Assets (ROA) | 0.48 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.9 |
| EBIT Margin - LTM | 11.8 |
| EBITDA Margin - LTM | 10.7 |
| Pre-Tax Profit Margin | 17.91 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 35.54 |
| Net Profit Margin | 14.55 |
| Net Profit Margin - 5YEAR AVRG. | 27.36 |
| Effective Tax Rate | 18.75 |
| Effective Tax Rate - 5YEAR AVRG. | 17.86 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 282,078 |
| Net Income per Employee - LTM | -21,022 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,919.61 |
|
|  
|