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Market Price

32.09 

0.37 1.2%

as of Jan 22 '19

52 Week Range:

29.87 43.87


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Sandy Spring Bancorp, Inc. operates as the bank holding company for Sandy Spring Bank that provides commercial banking services to individuals and businesses in central Maryland, Northern Virginia, and Washington D.C. markets. It operates through three segments: Community Banking, Insurance, and Investment Management. The Community Banking segment provides financial products and services, including various loan and deposit products to individuals and businesses. Its deposit products include demand, money market savings, regular savings, and time deposits. This segment's loan portfolio comprises residential real estate loans; commercial real estate loans, commercial construction loans, and other commercial loans; and consumer loans comprising home equity loans and lines, installment loans, and personal lines of credit. The Insurance segment provides general insurance agency services and annuities. The Investment Management segment provides comprehensive investment management and financial planning to individuals, families, small businesses, and associations, including cash flow analysis, investment review, tax planning, retirement planning, insurance analysis, and estate planning. The company also provides mortgage banking, equipment leasing, personal trust, and wealth management services. As of December 31, 2017, it operated 42 community offices and 6 financial centers. The company was founded in 1868 and is headquartered in Olney, Maryland.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 19.31
19.01
17.80
16.95
18.30
19.41
19.76
20.86
21.55
22.45
23.52
growth rate -1.6% -6.4% -4.8% 8.0% 6.1% 1.8% 5.6% 3.3% 4.2% 4.8%
Earnings BIT 45.23
19.42
-30.85
32.57
49.95
54.60
66.99
69.81
81.62
84.83
100.71
growth rate -57.1% -100.0% 100.0% 53.4% 9.3% 22.7% 4.2% 16.9% 3.9% 18.7%
Avg.PE 13.83
22.68
-11.50
23.75
12.42
13.11
15.92
17.20
16.61
21.25
17.77
growth rate 64.0% -100.0% 100.0% -47.7% 5.6% 21.4% 8.0% -3.4% 27.9% -16.4%
ROA 1.14
0.50
-0.57
0.49
0.94
0.95
1.10
0.90
1.00
0.99
1.01
growth rate -56.1% -100.0% 100.0% 91.8% 1.1% 15.8% -18.2% 11.1% -1.0% 2.0%
ROE 11.66
5.02
-6.49
4.96
7.99
7.86
9.04
7.48
8.67
9.12
9.70
growth rate -57.0% -100.0% 100.0% 61.1% -1.6% 15.0% -17.3% 15.9% 5.2% 6.4%
ROIC 13.00
8.22
2.40
5.16
6.02
5.71
5.53
4.33
growth rate -36.8% -70.8% 115.0% 16.7% -5.2% -3.2% -21.7%
Leverage 9.64
10.61
12.37
8.64
8.32
8.18
8.22
8.43
8.88
9.54
9.66
growth rate 10.1% 16.6% -30.2% -3.7% -1.7% 0.5% 2.6% 5.3% 7.4% 1.3%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 12.90
12.39
12.53
12.63
13.44
14.59
15.48
growth rate -3.9% 1.1% 0.8% 6.4% 8.5% 6.1%
Acct.Payable 24.72
31.67
25.67
3,066.51
3,263.73
3,577.54
3,963.66
growth rate 28.1% -19.0% 11,845.9% 6.4% 9.6% 10.8%
Cur.Assets 124.06
105.84
164.86
140.79
growth rate -14.7% 55.8% -14.6%
Total Assets 3,313.60
3,630.50
3,519.40
3,711.37
3,955.21
4,106.10
4,397.13
4,655.38
5,091.38
5,446.68
growth rate 9.6% -3.1% 5.5% 6.6% 3.8% 7.1% 5.9% 9.4% 7.0%
Cash 104.10
57.90
61.30
1,237.01
1,161.44
1,091.04
62.72
35.68
93.63
75.10
growth rate -44.4% 5.9% 1,918.0% -6.1% -6.1% -94.3% -43.1% 162.4% -19.8%
Inventory 3.20
2.74
1.91
2.25
growth rate -14.2% -30.3% 17.9%
Cur.Liabilities 3,435.38
3,690.95
3,737.81
4,692.03
growth rate 7.4% 1.3% 25.5%
Liabilities 2,921.80
3,256.90
3,111.80
3,265.26
3,471.69
3,606.74
3,875.38
4,130.95
4,557.81
4,882.86
growth rate 11.5% -4.5% 4.9% 6.3% 3.9% 7.5% 6.6% 10.3% 7.1%
LT Debt 35.00
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
440.00
440.00
820.00
190.83
growth rate 5,637.1% 0.1% 0.1% 0.1% 0.1% 0.1% -78.1% 0.0% 86.4% -76.7%
Equity 315.64
391.90
373.60
407.60
446.11
483.51
499.36
521.75
524.43
533.57
563.82
growth rate 24.2% -4.7% 9.1% 9.5% 8.4% 3.3% 4.5% 0.5% 1.7% 5.7%
Common Shares 16.00
16.00
16.00
22.00
24.00
25.00
25.00
25.00
25.00
24.00
24.00
growth rate 0.0% 0.0% 37.5% 9.1% 4.2% 0.0% 0.0% 0.0% -4.0% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 4.78
2.30
2.10
3.60
4.00
4.38
2.37
8.56
8.57
5.80
7.44
growth rate -51.9% -8.7% 71.4% 11.2% 9.4% -46.0% 262.0% 0.1% -32.4% 28.3%
Cash Dividends 14.99
15.80
10.00
4.60
8.26
11.89
16.13
19.22
22.40
23.68
25.13
growth rate 5.4% -36.7% -54.0% 79.5% 44.0% 35.7% 19.1% 16.6% 5.7% 6.2%
Cash From OA 47.92
49.80
26.90
56.60
67.71
52.79
96.14
53.66
51.18
90.50
69.42
growth rate 3.9% -46.0% 110.4% 19.6% -22.0% 82.1% -44.2% -4.6% 76.8% -23.3%
FCF per Share 2.47
2.45
1.45
2.37
2.58
1.96
3.98
2.05
1.80
2.33
3.51
growth rate -0.8% -40.8% 63.5% 8.9% -24.0% 103.1% -48.5% -12.2% 29.4% 50.6%
Sale Purchase of Stock -4.14
0.10
0.15
0.39
1.17
1.58
1.20
growth rate 100.0% 56.1% 157.5% 198.0% 34.6% -24.1%
FCF 40.00
40.00
24.00
53.00
64.00
48.00
94.00
45.00
42.00
85.00
62.00
growth rate 0.0% -40.0% 120.8% 20.8% -25.0% 95.8% -52.1% -6.7% 102.4% -27.1%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 149.12
154.70
149.00
159.40
182.97
190.83
196.86
176.58
182.73
193.85
217.03
growth rate 3.7% -3.7% 7.0% 14.8% 4.3% 3.2% -10.3% 3.5% 6.1% 12.0%
Op.Income 19.40
-30.90
32.60
34.10
36.55
44.42
65.42
66.38
76.83
96.87
growth rate -100.0% 100.0% 4.6% 7.2% 21.5% 47.3% 1.5% 15.8% 26.1%
IBT 19.42
-30.85
32.57
49.95
54.60
66.99
55.78
67.38
71.99
87.94
growth rate -100.0% 100.0% 53.4% 9.3% 22.7% -16.7% 20.8% 6.8% 22.2%
Net Income 15.80
-14.90
23.50
34.10
36.55
44.42
38.20
45.36
48.25
53.21
growth rate -100.0% 100.0% 45.1% 7.2% 21.5% -14.0% 18.7% 6.4% 10.3%
EPS 2.01
0.94
-0.90
0.78
1.41
1.48
1.77
1.52
1.84
2.00
2.20
growth rate -53.2% -100.0% 100.0% 80.8% 5.0% 19.6% -14.1% 21.1% 8.7% 10.0%
Gross Profit 176.58
182.73
193.85
217.03
growth rate 3.5% 6.1% 12.0%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 26.51
23.34
34.03
growth rate -12.0% 45.8%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 16.05
15.48
22.38
growth rate -3.5% 44.6%
Acct.Payable 3,955.79
3,963.66
5,627.21
5,837.83
5,898.39
growth rate 0.2% 42.0% 3.7% 1.0%
Cur.Assets 126.76
140.79
273.05
360.33
136.33
growth rate 11.1% 93.9% 32.0% -62.2%
Total Assets 5,334.79
5,446.68
7,894.92
8,152.60
8,034.57
growth rate 2.1% 45.0% 3.3% -1.5%
Cash 102.18
75.10
219.42
294.77
78.58
growth rate -26.5% 192.2% 34.3% -73.3%
Inventory 1.45
2.25
2.76
2.36
2.12
growth rate 55.6% 22.6% -14.5% -10.3%
Cur.Liabilities 4,137.39
4,692.03
5,831.67
6,024.98
6,087.94
growth rate 13.4% 24.3% 3.3% 1.1%
Liabilities 4,770.31
4,882.86
6,880.31
7,126.25
6,991.85
growth rate 2.4% 40.9% 3.6% -1.9%
LT Debt 632.92
190.83
1,048.64
1,101.27
903.91
growth rate -69.9% 449.5% 5.0% -17.9%
Equity 564.48
563.82
1,014.61
1,026.35
1,042.72
growth rate -0.1% 80.0% 1.2% 1.6%
Common Shares 23.99
24.00
35.46
35.51
35.52
growth rate 0.0% 47.8% 0.1% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 2.19
2.85
2.84
3.95
1.76
growth rate 30.0% -0.4% 38.9% -55.5%
Cash Dividends 6.28
6.29
9.27
10.00
10.01
growth rate 0.1% 47.3% 7.9% 0.0%
Cash From OA 16.80
12.35
44.26
10.12
49.51
growth rate -26.5% 258.4% -77.1% 389.3%
Sale Purchase of Stock 0.20
0.19
0.46
0.37
growth rate -6.1% 145.2% -18.2%
FCF 14.61
9.50
41.42
6.17
47.75
growth rate -35.0% 336.1% -85.1% 673.6%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 54.51
56.46
76.41
76.95
80.73
growth rate 3.6% 35.3% 0.7% 4.9%
Op.Income 24.54
25.17
37.46
36.03
40.72
growth rate 2.6% 48.8% -3.8% 13.0%
IBT 23.32
20.20
28.37
31.87
38.34
growth rate -13.4% 40.5% 12.3% 20.3%
Net Income 15.09
8.27
21.67
24.40
29.23
growth rate -45.2% 162.1% 12.6% 19.8%
EPS
growth rate
Gross Profit 54.51
56.46
76.41
76.95
80.73
growth rate 3.6% 35.3% 0.7% 4.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (43.90)

YOY Growth Grade:

E (29.33)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.38 11.38 9.47
EPS / Growth 9.3% 2.82 12.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 4.2% 8.7% 8.7%
Future PE 8.46 12.78 12.78
Future EPS 4.27 6.52 6.52
Value Price
MOS %
8.92
-72.2%
20.58
-35.9%
20.58
-35.9%
MOS Price 4.46 10.29 10.29
IRT 9.16 7.74 7.74

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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