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Sandy Spring Bancorp (SASR) Financials

Sandy Spring Bancorp logo
$27.87 +0.27 (+0.98%)
Closing price 03/31/2025
Extended Trading
$27.87 0.00 (0.00%)
As of 03/31/2025 04:36 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Annual Income Statements for Sandy Spring Bancorp

Annual Income Statements for Sandy Spring Bancorp

This table shows Sandy Spring Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders
38 45 48 53 101 116 97 235 166 123 20
Consolidated Net Income / (Loss)
38 45 48 53 101 116 97 235 166 123 20
Net Income / (Loss) Continuing Operations
38 45 48 53 101 116 97 235 166 123 20
Total Pre-Tax Income
56 67 72 88 133 153 124 312 222 164 49
Total Revenue
176 188 201 220 321 337 466 527 514 422 406
Net Interest Income / (Expense)
130 138 150 169 260 265 363 425 427 355 327
Total Interest Income
148 158 171 195 324 348 424 450 496 638 672
Loans and Leases Interest Income
124 136 151 172 294 318 395 425 463 581 611
Investment Securities Interest Income
25 22 19 22 28 28 28 25 30 34 36
Deposits and Money Market Investments Interest Income
0.09 0.10 0.21 0.41 1.30 2.13 0.45 0.73 2.67 22 25
Federal Funds Sold and Securities Borrowed Interest Income
0.00 0.00 0.01 0.03 0.03 0.01 0.00 0.00 0.01 0.02 0.01
Total Interest Expense
19 20 21 26 64 83 60 26 69 283 345
Deposits Interest Expense
4.79 5.88 8.16 13 39 62 42 15 44 225 303
Long-Term Debt Interest Expense
14 14 13 12 23 20 17 11 22 43 37
Federal Funds Purchased and Securities Sold Interest Expense
0.16 0.26 0.29 0.34 1.17 1.16 1.97 0.18 2.93 14 5.26
Total Non-Interest Income
47 50 51 51 61 71 103 102 87 67 79
Other Service Charges
42 44 47 48 57 68 99 99 68 63 72
Net Realized & Unrealized Capital Gains on Investments
0.01 0.04 1.93 1.27 0.19 0.08 0.47 0.21 16 0.00 0.00
Other Non-Interest Income
4.44 5.69 2.46 2.40 4.33 3.17 2.87 3.02 3.14 4.21 7.50
Provision for Credit Losses
-0.16 5.37 5.55 2.98 9.02 4.68 86 -46 34 -18 14
Total Non-Interest Expense
121 115 123 129 180 179 256 260 257 275 343
Salaries and Employee Benefits
66 71 71 73 97 104 134 156 159 160 160
Net Occupancy & Equipment Expense
24 24 25 26 34 38 42 44 44 46 48
Marketing Expense
2.93 2.90 2.85 3.12 3.92 4.46 4.28 4.73 5.20 5.10 5.36
Property & Liability Insurance Claims
2.30 2.49 2.74 3.31 5.10 2.26 4.73 4.29 4.79 9.46 11
Other Operating Expenses
25 15 21 20 26 27 39 45 38 49 51
Amortization Expense
0.82 0.37 0.13 0.10 2.16 1.95 6.22 6.60 5.81 5.22 9.13
Impairment Charge
- - - - - - - - 0.00 0.00 54
Restructuring Charge
- 0.00 0.00 4.25 12 1.31 25 0.05 1.07 0.00 4.16
Income Tax Expense
18 22 24 35 32 36 27 77 56 41 29
Basic Earnings per Share
$1.53 $1.84 $2.00 $2.20 $2.82 $3.25 $2.19 $5.00 $3.69 $2.74 $0.44
Weighted Average Basic Shares Outstanding
25.14M 24.70M 24.15M 24.21M 35.80M 35.80M 47.10M 45.13M 44.67M 44.94M 45.14M
Diluted Earnings per Share
$1.52 $1.84 $2.00 $2.20 $2.82 $3.25 $2.18 $4.98 $3.68 $2.73 $0.44
Weighted Average Diluted Shares Outstanding
25.14M 24.70M 24.15M 24.21M 35.80M 35.80M 47.10M 45.13M 44.67M 44.94M 45.14M
Weighted Average Basic & Diluted Shares Outstanding
25.14M 24.70M 24.15M 24.21M 35.80M 35.80M 47.10M 45.13M 44.67M 44.94M 45.14M
Cash Dividends to Common per Share
$0.76 $0.90 $0.98 $1.04 $1.10 $1.18 $1.20 $1.28 $1.36 $1.36 $1.36

Quarterly Income Statements for Sandy Spring Bancorp

This table shows Sandy Spring Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders
34 34 51 25 21 26 20 23 16 -39
Consolidated Net Income / (Loss)
34 34 51 25 21 26 20 23 16 -39
Net Income / (Loss) Continuing Operations
34 34 51 25 21 26 20 23 16 -39
Total Pre-Tax Income
45 46 68 33 28 35 27 31 22 -31
Total Revenue
130 121 113 108 102 98 98 100 101 108
Net Interest Income / (Expense)
113 107 97 90 85 82 79 80 81 86
Total Interest Income
130 145 151 158 162 166 166 165 170 171
Loans and Leases Interest Income
121 135 140 145 148 149 151 152 155 154
Investment Securities Interest Income
8.16 8.56 8.78 8.64 8.49 8.30 8.46 9.04 9.20 9.52
Deposits and Money Market Investments Interest Income
0.77 1.43 2.69 4.92 6.37 8.46 6.79 4.42 6.19 8.00
Total Interest Expense
17 39 54 68 77 84 87 85 89 85
Deposits Interest Expense
9.49 28 41 51 63 70 73 74 79 76
Long-Term Debt Interest Expense
7.00 8.68 11 12 10 10 9.92 9.37 8.95 8.48
Federal Funds Purchased and Securities Sold Interest Expense
0.98 1.70 2.10 4.19 4.08 4.08 3.39 1.05 0.45 0.37
Total Non-Interest Income
17 14 16 17 17 17 18 20 20 22
Other Service Charges
16 14 15 16 17 15 17 18 18 18
Other Non-Interest Income
0.69 0.95 0.91 1.25 0.85 1.21 1.16 1.82 1.31 3.21
Provision for Credit Losses
19 11 -22 5.06 2.37 -3.45 2.39 1.02 6.32 4.47
Total Non-Interest Expense
66 64 66 69 72 67 68 68 73 134
Salaries and Employee Benefits
40 39 39 41 45 35 37 38 41 44
Net Occupancy & Equipment Expense
11 11 11 11 11 12 12 12 12 12
Marketing Expense
1.37 1.35 1.54 1.59 0.73 1.24 0.74 1.29 1.32 2.01
Property & Liability Insurance Claims
1.27 1.46 2.14 2.38 2.33 2.62 2.91 2.95 2.77 2.76
Other Operating Expenses
10 9.40 11 12 12 15 14 12 14 12
Amortization Expense
1.43 1.41 1.31 1.27 1.25 1.40 2.07 2.14 2.32 2.60
Income Tax Expense
12 12 17 8.71 6.89 8.46 6.94 7.94 5.67 8.48
Basic Earnings per Share
$0.75 $0.76 $1.14 $0.55 $0.46 $0.59 $0.45 $0.51 $0.36 ($0.88)
Weighted Average Basic Shares Outstanding
44.64M 44.67M 44.84M 44.86M 44.90M 44.94M 45.06M 45.11M 45.14M 45.14M
Diluted Earnings per Share
$0.75 $0.76 $1.14 $0.55 $0.46 $0.58 $0.45 $0.51 $0.36 ($0.88)
Weighted Average Diluted Shares Outstanding
44.64M 44.67M 44.84M 44.86M 44.90M 44.94M 45.06M 45.11M 45.14M 45.14M
Weighted Average Basic & Diluted Shares Outstanding
44.64M 44.67M 44.84M 44.86M 44.90M 44.94M 45.06M 45.11M 45.14M 45.14M
Cash Dividends to Common per Share
$0.34 $0.34 $0.34 $0.34 $0.34 $0.34 $0.34 $0.34 $0.34 $0.34

Annual Cash Flow Statements for Sandy Spring Bancorp

This table details how cash moves in and out of Sandy Spring Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents
22 -23 61 -22 -11 45 151 123 -228 354 -27
Net Cash From Operating Activities
54 51 91 69 148 100 142 216 216 138 84
Net Cash From Continuing Operating Activities
54 51 91 69 148 100 142 216 216 138 84
Net Income / (Loss) Continuing Operations
38 45 48 53 101 116 97 235 166 123 20
Consolidated Net Income / (Loss)
38 45 48 53 101 116 97 235 166 123 20
Provision For Loan Losses
-0.16 5.37 5.55 2.98 9.02 4.68 86 -46 34 -18 14
Depreciation Expense
7.16 7.31 7.96 7.98 13 13 20 15 12 22 26
Non-Cash Adjustments to Reconcile Net Income
0.27 -2.39 40 12 22 -26 -51 55 9.37 15 51
Changes in Operating Assets and Liabilities, net
8.20 -4.46 -11 -6.55 3.65 -8.86 -9.64 -42 -5.62 -4.10 -28
Net Cash From Investing Activities
-262 -292 -423 -392 -505 -241 -1,200 308 -1,619 179 -190
Net Cash From Continuing Investing Activities
-262 -292 -423 -392 -505 -241 -1,200 308 -1,619 179 -190
Purchase of Property, Leasehold Improvements and Equipment
-8.56 -8.57 -5.80 -7.44 -10 -5.15 -5.04 -11 -15 -14 -16
Purchase of Investment Securities
-347 -420 -763 -553 -812 -327 -664 -933 -498 6.90 -259
Divestitures
- - - - 32 0.00 0.00 0.00 24 0.00 0.00
Sale and/or Maturity of Investments
93 137 346 168 285 90 -611 1,253 -1,131 186 85
Net Cash From Financing Activities
230 217 394 301 346 186 1,209 -402 1,175 37 80
Net Cash From Continuing Financing Activities
230 217 394 301 346 186 1,209 -402 1,175 37 80
Net Change in Deposits
189 197 314 386 340 525 1,270 596 331 44 750
Issuance of Debt
1,805 2,274 2,665 3,965 5,477 2,298 400 0.00 2,727 2,030 0.00
Issuance of Common Equity
0.39 1.17 1.58 1.20 1.40 1.43 2.00 5.76 2.19 2.42 1.36
Repayment of Debt
-1,765 -2,244 -2,565 -4,019 -5,634 -2,458 -713 -432 -1,977 -2,030 -300
Repurchase of Common Equity
-0.91 -23 -13 0.00 0.00 -24 -26 -107 -25 0.00 0.00
Payment of Dividends
-19 -22 -24 -25 -39 -42 -53 -60 -61 -61 -62
Other Financing Activities, Net
21 34 15 -6.71 200 -115 329 -404 179 51 -310
Cash Interest Paid
19 20 21 26 61 84 63 38 62 263 359
Cash Income Taxes Paid
15 21 22 32 26 34 56 72 62 36 25

Quarterly Cash Flow Statements for Sandy Spring Bancorp

This table details how cash moves in and out of Sandy Spring Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents
38 -67 303 -66 287 -172 -136 -3.68 344 -231
Net Cash From Operating Activities
69 46 31 23 53 31 7.08 14 33 31
Net Cash From Continuing Operating Activities
69 46 31 23 53 31 7.08 14 33 31
Net Income / (Loss) Continuing Operations
34 34 51 25 21 26 20 23 16 -39
Consolidated Net Income / (Loss)
34 34 51 25 21 26 20 23 16 -39
Provision For Loan Losses
19 11 -22 5.06 2.37 -3.45 2.39 1.02 6.32 4.47
Depreciation Expense
2.92 2.98 5.69 5.26 5.37 5.69 6.34 6.33 6.52 7.09
Non-Cash Adjustments to Reconcile Net Income
6.38 -1.12 5.11 -2.79 1.84 10 -2.24 0.78 -2.46 55
Changes in Operating Assets and Liabilities, net
7.14 -0.75 -9.09 -9.40 23 -8.15 -20 -17 6.00 3.64
Net Cash From Investing Activities
-483 -128 34 72 115 -42 -5.03 -117 -17 -51
Net Cash From Continuing Investing Activities
-483 -128 34 72 115 -42 -5.03 -117 -17 -51
Purchase of Property, Leasehold Improvements and Equipment
-2.95 -4.02 -3.83 -3.50 -2.58 -4.07 -5.73 -2.56 -4.51 -3.35
Purchase of Investment Securities
-546 1,230 -9.17 33 66 -84 -47 -170 -70 28
Sale and/or Maturity of Investments
67 -1,353 47 42 51 46 47 56 57 -75
Net Cash From Financing Activities
451 15 238 -161 120 -161 -138 100 328 -211
Net Cash From Continuing Financing Activities
451 15 238 -161 120 -161 -138 100 328 -211
Net Change in Deposits
-219 204 123 -117 192 -154 231 113 398 8.02
Issuance of Common Equity
0.44 0.41 0.72 0.80 0.53 0.37 0.46 0.49 0.30 0.11
Repayment of Debt
-705 -1,100 -1,280 -700 -50 - -50 - -50 -200
Payment of Dividends
-15 -15 -15 -15 -15 -15 -15 -16 -15 -15
Other Financing Activities, Net
21 116 -70 121 -7.93 8.45 -304 2.05 -4.27 -3.85
Cash Interest Paid
14 35 53 68 50 93 95 93 84 87
Cash Income Taxes Paid
17 20 - - 4.60 8.60 - - 7.10 6.46

Annual Balance Sheets for Sandy Spring Bancorp

This table presents Sandy Spring Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets
4,397 4,655 5,091 5,447 8,243 8,629 12,798 12,591 13,833 14,028 14,127
Cash and Due from Banks
53 47 53 56 67 82 94 66 88 82 81
Federal Funds Sold
0.47 0.47 1.95 2.85 0.61 0.21 0.29 0.31 0.19 0.25 0.00
Interest Bearing Deposits at Other Banks
43 25 79 54 34 63 203 354 104 463 438
Trading Account Securities
892 800 734 730 937 1,073 1,348 1,507 69 312 277
Loans and Leases, Net of Allowance
3,090 3,454 3,884 4,269 6,518 -56 -165 9,858 11,260 11,246 11,404
Loans and Leases
3,127 3,495 3,928 4,314 6,572 - - 9,967 11,397 11,367 11,538
Allowance for Loan and Lease Losses
38 41 44 45 53 56 165 109 136 121 134
Premises and Equipment, Net
49 53 54 55 62 59 58 60 60 59 56
Goodwill
84 84 86 86 347 347 370 370 363 363 309
Intangible Assets
0.51 0.14 0.68 0.58 9.79 7.84 33 26 27 28 31
Other Assets
185 190 200 195 267 7,052 10,780 350 1,861 1,473 1,532
Total Liabilities & Shareholders' Equity
4,397 4,655 5,091 5,447 8,243 8,629 12,798 12,591 13,833 14,028 14,127
Total Liabilities
3,875 4,131 4,558 4,883 7,175 7,496 11,328 11,071 12,349 12,440 12,569
Non-Interest Bearing Deposits
994 1,002 1,138 1,264 1,750 1,892 3,326 3,780 3,673 2,914 2,805
Interest Bearing Deposits
2,073 2,262 2,439 2,699 4,165 4,548 6,708 6,845 7,280 8,082 8,941
Short-Term Debt
- - - - - - - - 62 75 69
Accrued Interest Payable
44 38 35 34 47 119 146 133 154 148 133
Long-Term Debt
690 720 820 766 886 723 606 173 920 1,221 621
Total Equity & Noncontrolling Interests
522 524 534 564 1,068 1,133 1,470 1,520 1,484 1,588 1,558
Total Preferred & Common Equity
522 524 534 564 1,068 1,133 1,470 1,520 1,484 1,588 1,558
Total Common Equity
522 524 534 564 1,068 1,133 1,470 1,520 1,484 1,588 1,558
Common Stock
220 200 190 192 642 622 894 796 779 787 794
Retained Earnings
303 326 350 378 442 516 557 732 837 898 857
Accumulated Other Comprehensive Income / (Loss)
-0.82 -1.30 -6.61 -6.86 -16 -4.33 19 -8.54 -132 -97 -93

Quarterly Balance Sheets for Sandy Spring Bancorp

This table presents Sandy Spring Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets
13,766 14,129 13,995 14,135 13,888 14,008 14,383
Cash and Due from Banks
89 93 96 80 79 84 110
Federal Funds Sold
0.21 0.24 0.24 0.25 0.24 0.00 0.00
Interest Bearing Deposits at Other Banks
170 403 333 637 331 322 641
Trading Account Securities
77 1,274 320 76 73 300 71
Loans and Leases, Net of Allowance
11,091 11,278 11,249 11,177 11,241 11,358 11,360
Loans and Leases
11,219 11,395 11,370 11,300 11,364 11,484 11,492
Allowance for Loan and Lease Losses
128 118 120 123 123 126 131
Premises and Equipment, Net
65 69 71 72 60 58 57
Goodwill
363 363 363 363 363 363 363
Intangible Assets
21 19 17 16 30 30 31
Other Assets
1,890 630 1,543 1,713 1,710 1,492 1,728
Total Liabilities & Shareholders' Equity
13,766 14,129 13,995 14,135 13,888 14,008 14,383
Total Liabilities
12,314 12,592 12,456 12,597 12,299 12,409 12,754
Non-Interest Bearing Deposits
3,993 3,229 3,080 3,014 2,818 2,931 2,903
Interest Bearing Deposits
6,756 7,847 7,879 8,137 8,409 8,409 8,835
Short-Term Debt
- - 75 67 72 75 71
Accrued Interest Payable
148 143 152 159 129 123 125
Long-Term Debt
1,210 1,120 1,271 1,221 871 871 821
Total Equity & Noncontrolling Interests
1,452 1,537 1,539 1,538 1,589 1,599 1,629
Total Preferred & Common Equity
1,452 1,537 1,539 1,538 1,589 1,599 1,629
Total Common Equity
1,452 1,537 1,539 1,538 1,589 1,599 1,629
Common Stock
777 780 783 786 789 790 793
Retained Earnings
818 873 882 888 903 911 911
Accumulated Other Comprehensive Income / (Loss)
-143 -116 -126 -135 -103 -102 -76

Annual Metrics and Ratios for Sandy Spring Bancorp

This table displays calculated financial ratios and metrics derived from Sandy Spring Bancorp's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics
- - - - - - - - - - -
Revenue Growth
-0.57% 6.62% 6.64% 9.68% 46.13% 4.71% 38.39% 13.03% -2.38% -17.97% -3.60%
EBITDA Growth
-16.09% 18.67% 7.04% 19.97% 51.39% 14.50% -13.21% 126.05% -28.18% -20.54% -59.58%
EBIT Growth
-16.72% 20.80% 6.84% 22.15% 50.89% 15.20% -18.60% 150.48% -28.65% -26.18% -70.17%
NOPAT Growth
-14.01% 18.73% 6.38% 10.28% 89.56% 15.44% -16.73% 142.50% -29.27% -26.13% -83.77%
Net Income Growth
-14.01% 18.73% 6.38% 10.28% 89.56% 15.44% -16.73% 142.50% -29.27% -26.13% -83.77%
EPS Growth
-14.12% 21.05% 8.70% 10.00% 28.18% 15.25% -32.92% 128.44% -26.10% -25.82% -83.88%
Operating Cash Flow Growth
-44.18% -4.63% 76.83% -23.30% 112.69% -32.31% 42.06% 52.41% -0.04% -36.29% -39.26%
Free Cash Flow Firm Growth
86.66% 152.42% -580.28% 226.66% -778.61% 140.93% -157.42% 603.08% -198.13% 51.39% 322.09%
Invested Capital Growth
5.43% 2.70% 8.77% -1.77% 46.95% -5.00% 11.85% -18.48% 45.71% 16.95% -22.04%
Revenue Q/Q Growth
0.32% 1.87% 1.67% 2.08% 8.21% 1.40% 11.29% -0.80% -1.32% -5.11% 2.39%
EBITDA Q/Q Growth
-1.76% 8.86% 1.47% 0.03% 11.62% 1.90% 37.54% -4.68% -6.05% -4.36% -46.01%
EBIT Q/Q Growth
-1.56% 9.67% 1.44% 0.01% 11.71% 1.98% 43.67% -4.54% -6.05% -6.39% -57.24%
NOPAT Q/Q Growth
-1.20% 8.76% 1.08% -8.67% 20.70% 2.55% 41.03% -4.57% -6.43% -6.03% -76.68%
Net Income Q/Q Growth
-1.20% 8.76% 1.08% -8.67% 20.70% 2.55% 41.03% -4.57% -6.43% -6.03% -76.68%
EPS Q/Q Growth
-0.65% 8.88% 1.52% -8.71% 15.10% 2.52% 28.24% -4.96% -6.36% -6.19% -76.84%
Operating Cash Flow Q/Q Growth
-3.28% -9.51% 43.21% -23.93% 27.03% 15.31% 1.90% 1.45% -7.24% -9.95% -0.19%
Free Cash Flow Firm Q/Q Growth
13.17% 210.36% -161.09% 443.05% 21.37% -41.36% 63.36% -1.29% 20.67% -808.12% 68.19%
Invested Capital Q/Q Growth
8.64% 6.49% 21.22% 11.05% 0.38% 9.52% -1.10% -1.53% -7.36% 2.08% -10.81%
Profitability Metrics
- - - - - - - - - - -
EBITDA Margin
35.68% 39.71% 39.86% 43.59% 45.17% 49.39% 30.97% 61.94% 45.57% 44.15% 18.51%
EBIT Margin
31.62% 35.82% 35.89% 39.97% 41.27% 45.41% 26.71% 59.19% 43.26% 38.93% 12.05%
Profit (Net Income) Margin
21.65% 24.11% 24.05% 24.18% 31.37% 34.59% 20.81% 44.65% 32.35% 29.14% 4.90%
Tax Burden Percent
68.48% 67.31% 67.02% 60.51% 76.02% 76.17% 77.92% 75.44% 74.79% 74.84% 40.72%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
31.52% 32.69% 32.98% 39.49% 23.98% 23.83% 22.08% 24.56% 25.21% 25.16% 59.28%
Return on Invested Capital (ROIC)
3.24% 3.69% 3.71% 3.97% 6.14% 6.11% 4.93% 12.48% 8.00% 4.59% 0.78%
ROIC Less NNEP Spread (ROIC-NNEP)
3.24% 3.69% 3.71% 3.97% 6.14% 6.11% 4.93% 12.48% 8.00% 4.59% 0.78%
Return on Net Nonoperating Assets (RNNOA)
4.25% 4.98% 5.41% 5.73% 6.22% 4.47% 2.52% 3.25% 3.08% 3.41% 0.49%
Return on Equity (ROE)
7.48% 8.67% 9.12% 9.70% 12.36% 10.58% 7.45% 15.73% 11.07% 8.00% 1.27%
Cash Return on Invested Capital (CROIC)
-2.05% 1.03% -4.69% 5.75% -31.88% 11.24% -6.26% 32.84% -29.21% -11.04% 25.55%
Operating Return on Assets (OROA)
1.31% 1.49% 1.48% 1.67% 1.94% 1.81% 1.16% 2.46% 1.68% 1.18% 0.35%
Return on Assets (ROA)
0.90% 1.00% 0.99% 1.01% 1.47% 1.38% 0.90% 1.85% 1.26% 0.88% 0.14%
Return on Common Equity (ROCE)
7.48% 8.67% 9.12% 9.70% 12.36% 10.58% 7.45% 15.73% 11.07% 8.00% 1.27%
Return on Equity Simple (ROE_SIMPLE)
7.32% 8.65% 9.04% 9.44% 9.45% 10.28% 6.60% 15.47% 11.21% 7.74% 1.28%
Net Operating Profit after Tax (NOPAT)
38 45 48 53 101 116 97 235 166 123 20
NOPAT Margin
21.65% 24.11% 24.05% 24.18% 31.37% 34.59% 20.81% 44.65% 32.35% 29.14% 4.90%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue
52.79% 51.99% 49.57% 46.27% 42.06% 43.42% 38.88% 38.90% 40.45% 50.03% 52.36%
Operating Expenses to Revenue
68.47% 61.32% 61.35% 58.68% 55.92% 53.20% 54.90% 49.47% 50.05% 65.24% 84.46%
Earnings before Interest and Taxes (EBIT)
56 67 72 88 133 153 124 312 222 164 49
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
63 75 80 96 145 166 144 326 234 186 75
Valuation Ratios
- - - - - - - - - - -
Price to Book Value (P/BV)
0.87 0.90 1.33 1.27 0.82 0.97 0.88 1.27 0.94 0.72 0.97
Price to Tangible Book Value (P/TBV)
1.04 1.07 1.59 1.50 1.23 1.41 1.21 1.71 1.28 0.96 1.24
Price to Revenue (P/Rev)
2.58 2.51 3.55 3.25 2.72 3.26 2.77 3.65 2.73 2.73 3.71
Price to Earnings (P/E)
11.90 10.42 14.75 13.43 8.68 9.43 13.30 8.18 8.42 9.37 75.58
Dividend Yield
4.19% 4.64% 3.29% 3.49% 4.46% 3.83% 4.38% 3.04% 4.33% 5.31% 4.07%
Earnings Yield
8.41% 9.60% 6.78% 7.45% 11.52% 10.60% 7.52% 12.22% 11.87% 10.67% 1.32%
Enterprise Value to Invested Capital (EV/IC)
0.87 0.90 1.03 1.03 0.85 0.90 0.77 0.99 0.89 0.66 0.75
Enterprise Value to Revenue (EV/Rev)
5.94 5.95 6.97 6.22 5.16 4.98 3.43 3.18 4.26 4.51 4.13
Enterprise Value to EBITDA (EV/EBITDA)
16.65 14.99 17.48 14.26 11.43 10.08 11.08 5.14 9.35 10.21 22.30
Enterprise Value to EBIT (EV/EBIT)
18.79 16.62 19.41 15.56 12.51 10.96 12.85 5.38 9.85 11.58 34.27
Enterprise Value to NOPAT (EV/NOPAT)
27.44 24.69 28.96 25.71 16.46 14.39 16.49 7.13 13.17 15.47 84.17
Enterprise Value to Operating Cash Flow (EV/OCF)
19.53 21.88 15.44 19.71 11.24 16.76 11.26 7.75 10.13 13.79 20.05
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 88.32 0.00 17.74 0.00 7.82 0.00 2.71 0.00 0.00 2.56
Leverage & Solvency
- - - - - - - - - - -
Debt to Equity
1.32 1.37 1.54 1.36 0.83 0.64 0.41 0.11 0.66 0.82 0.44
Long-Term Debt to Equity
1.32 1.37 1.54 1.36 0.83 0.64 0.41 0.11 0.62 0.77 0.40
Financial Leverage
1.31 1.35 1.46 1.45 1.01 0.73 0.51 0.26 0.38 0.74 0.63
Leverage Ratio
8.33 8.65 9.21 9.60 8.39 7.67 8.23 8.49 8.80 9.07 8.95
Compound Leverage Factor
8.33 8.65 9.21 9.60 8.39 7.67 8.23 8.49 8.80 9.07 8.95
Debt to Total Capital
56.94% 57.86% 60.58% 57.60% 45.35% 38.96% 29.20% 10.21% 39.83% 44.93% 30.70%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2.51% 2.60% 3.07%
Long-Term Debt to Total Capital
56.94% 57.86% 60.58% 57.60% 45.35% 38.96% 29.20% 10.21% 37.32% 42.33% 27.64%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
43.06% 42.14% 39.42% 42.40% 54.65% 61.04% 70.80% 89.79% 60.17% 55.07% 69.30%
Debt to EBITDA
10.96 9.64 10.26 7.98 6.10 4.35 4.20 0.53 4.19 6.96 9.17
Net Debt to EBITDA
9.43 8.66 8.58 6.81 5.40 3.47 2.14 -0.76 3.37 4.03 2.28
Long-Term Debt to EBITDA
10.96 9.64 10.26 7.98 6.10 4.35 4.20 0.53 3.93 6.56 8.26
Debt to NOPAT
18.06 15.87 16.99 14.39 8.78 6.21 6.25 0.73 5.91 10.55 34.63
Net Debt to NOPAT
15.54 14.27 14.22 12.28 7.78 4.96 3.19 -1.05 4.75 6.10 8.60
Long-Term Debt to NOPAT
18.06 15.87 16.99 14.39 8.78 6.21 6.25 0.73 5.53 9.94 31.17
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - - -
Free Cash Flow to Firm (FCFF)
-24 13 -61 77 -523 214 -123 619 -607 -295 656
Operating Cash Flow to CapEx
626.62% 597.06% 1,560.88% 932.90% 1,419.54% 1,941.39% 2,816.52% 1,883.20% 1,482.77% 985.66% 518.21%
Free Cash Flow to Firm to Interest Expense
-1.29 0.63 -2.90 2.96 -8.23 2.59 -2.04 24.02 -8.84 -1.04 1.90
Operating Cash Flow to Interest Expense
2.85 2.54 4.31 2.67 2.32 1.21 2.35 8.40 3.15 0.49 0.24
Operating Cash Flow Less CapEx to Interest Expense
2.40 2.12 4.03 2.38 2.16 1.15 2.27 7.95 2.94 0.44 0.20
Efficiency Ratios
- - - - - - - - - - -
Asset Turnover
0.04 0.04 0.04 0.04 0.05 0.04 0.04 0.04 0.04 0.03 0.03
Fixed Asset Turnover
3.70 3.67 3.76 4.06 5.51 5.58 8.01 8.97 8.59 7.05 7.04
Capital & Investment Metrics
- - - - - - - - - - -
Invested Capital
1,212 1,244 1,354 1,330 1,954 1,856 2,076 1,692 2,466 2,884 2,248
Invested Capital Turnover
0.15 0.15 0.15 0.16 0.20 0.18 0.24 0.28 0.25 0.16 0.16
Increase / (Decrease) in Invested Capital
62 33 109 -24 624 -98 220 -384 774 418 -636
Enterprise Value (EV)
1,048 1,120 1,397 1,368 1,660 1,675 1,599 1,677 2,191 1,901 1,678
Market Capitalization
454 473 712 715 875 1,098 1,290 1,924 1,401 1,151 1,507
Book Value per Share
$20.84 $21.53 $22.33 $23.52 $30.06 $31.80 $31.25 $33.31 $33.24 $35.37 $34.52
Tangible Book Value per Share
$17.45 $18.07 $18.72 $19.92 $20.01 $21.83 $22.69 $24.63 $24.49 $26.65 $26.99
Total Capital
1,212 1,244 1,354 1,330 1,954 1,856 2,076 1,692 2,466 2,884 2,248
Total Debt
690 720 820 766 886 723 606 173 982 1,296 690
Total Long-Term Debt
690 720 820 766 886 723 606 173 920 1,221 621
Net Debt
594 647 686 653 785 577 309 -247 790 750 171
Capital Expenditures (CapEx)
8.56 8.57 5.80 7.44 10 5.15 5.04 11 15 14 16
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)
690 720 820 766 886 723 606 173 982 1,296 690
Total Depreciation and Amortization (D&A)
7.16 7.31 7.96 7.98 13 13 20 15 12 22 26
Earnings Adjustments
- - - - - - - - - - -
Adjusted Basic Earnings per Share
$1.53 $1.84 $2.00 $2.20 $2.82 $3.25 $2.19 $5.00 $3.69 $2.74 $0.44
Adjusted Weighted Average Basic Shares Outstanding
24.89M 23.82M 23.92M 35.45M 35.54M 34.93M 47.10M 45.13M 44.67M 44.94M 45.14M
Adjusted Diluted Earnings per Share
$1.52 $1.84 $2.00 $2.20 $2.82 $3.25 $2.18 $4.98 $3.68 $2.73 $0.44
Adjusted Weighted Average Diluted Shares Outstanding
24.89M 23.82M 23.92M 35.45M 35.54M 34.93M 47.10M 45.13M 44.67M 44.94M 45.14M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $3.25 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
24.89M 23.82M 23.92M 35.45M 35.54M 34.93M 47.10M 45.13M 44.67M 44.94M 45.14M
Normalized Net Operating Profit after Tax (NOPAT)
38 45 48 56 110 117 117 235 167 123 75
Normalized NOPAT Margin
21.65% 24.11% 24.05% 25.35% 34.16% 34.88% 25.02% 44.66% 32.51% 29.14% 18.52%
Pre Tax Income Margin
31.62% 35.82% 35.89% 39.97% 41.27% 45.41% 26.71% 59.19% 43.26% 38.93% 12.05%
Debt Service Ratios
- - - - - - - - - - -
EBIT to Interest Expense
2.96 3.35 3.43 3.38 2.09 1.85 2.06 12.10 3.24 0.58 0.14
NOPAT to Interest Expense
2.03 2.26 2.30 2.04 1.59 1.41 1.61 9.12 2.42 0.43 0.06
EBIT Less CapEx to Interest Expense
2.51 2.92 3.15 3.09 1.92 1.79 1.98 11.65 3.03 0.53 0.10
NOPAT Less CapEx to Interest Expense
1.57 1.83 2.02 1.76 1.42 1.35 1.52 8.68 2.21 0.38 0.01
Payout Ratios
- - - - - - - - - - -
Dividend Payout Ratio
50.30% 49.38% 49.07% 47.24% 38.94% 36.31% 54.85% 25.67% 36.90% 49.79% 309.19%
Augmented Payout Ratio
52.69% 99.26% 76.58% 47.24% 38.94% 57.16% 81.36% 71.29% 51.93% 49.79% 309.19%

Quarterly Metrics and Ratios for Sandy Spring Bancorp

This table displays calculated financial ratios and metrics derived from Sandy Spring Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
-0.88% -5.37% -7.20% -23.76% -21.08% -18.76% -13.72% -7.22% -1.31% 9.64%
EBITDA Growth
-39.81% -23.63% 21.02% -49.15% -31.37% -17.43% -54.62% -4.22% -13.97% -159.35%
EBIT Growth
-40.60% -23.83% 17.54% -54.27% -38.82% -24.48% -60.11% -8.09% -20.85% -189.64%
NOPAT Growth
-41.06% -25.16% 16.66% -54.84% -38.23% -23.19% -60.25% -7.83% -21.87% -183.08%
Net Income Growth
-41.06% -25.16% 16.66% -54.84% -38.23% -23.19% -60.25% -7.83% -21.87% -251.16%
EPS Growth
-37.50% -24.75% 18.75% -54.55% -38.67% -23.68% -60.53% -7.27% -21.74% -251.72%
Operating Cash Flow Growth
-11.76% -26.89% -51.74% -37.20% -23.30% -33.17% -77.47% -40.75% -38.36% -0.53%
Free Cash Flow Firm Growth
-307.90% -272.34% -3,244.03% -370.36% 84.34% 47.00% 119.51% 143.20% 324.94% 256.65%
Invested Capital Growth
54.88% 45.71% 42.94% 42.63% 6.13% 16.95% -4.72% -11.75% -10.77% -22.04%
Revenue Q/Q Growth
-8.04% -6.86% -6.36% -4.95% -4.81% -4.11% -0.56% 2.21% 1.26% 6.53%
EBITDA Q/Q Growth
-36.84% 1.36% 52.17% -47.80% -14.75% 21.95% -16.37% 10.16% -23.42% -184.12%
EBIT Q/Q Growth
-38.25% 1.31% 49.65% -51.15% -17.40% 25.05% -20.96% 12.56% -28.86% -241.62%
NOPAT Q/Q Growth
-38.72% 1.18% 50.83% -51.72% -16.16% 25.81% -21.95% 11.95% -28.93% -233.78%
Net Income Q/Q Growth
-38.72% 1.18% 50.83% -51.72% -16.16% 25.81% -21.95% 11.95% -28.93% -343.40%
EPS Q/Q Growth
-38.02% 1.33% 50.00% -51.75% -16.36% 26.09% -22.41% 13.33% -29.41% -344.44%
Operating Cash Flow Q/Q Growth
89.24% -33.41% -31.53% -27.22% 131.13% -41.98% -76.92% 91.42% 140.46% -6.37%
Free Cash Flow Firm Q/Q Growth
-411.04% 18.70% -1.01% -12.07% 82.98% -175.07% 137.19% 148.18% -11.39% 91.57%
Invested Capital Q/Q Growth
31.64% -7.36% 7.76% 8.54% -2.04% 2.08% -12.21% 0.53% -0.95% -10.81%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
37.04% 40.30% 65.49% 35.96% 32.21% 40.96% 34.45% 37.13% 28.08% -22.17%
EBIT Margin
34.79% 37.84% 60.47% 31.08% 26.97% 35.17% 27.96% 30.79% 21.63% -28.75%
Profit (Net Income) Margin
25.87% 28.10% 45.26% 22.99% 20.25% 26.56% 20.85% 22.84% 16.03% -36.62%
Tax Burden Percent
74.35% 74.25% 74.84% 73.96% 75.07% 75.52% 74.58% 74.17% 74.10% 127.36%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
25.65% 25.75% 25.16% 26.04% 24.93% 24.48% 25.42% 25.83% 25.90% 0.00%
Return on Invested Capital (ROIC)
6.15% 6.95% 10.13% 4.42% 3.28% 4.19% 3.26% 3.35% 2.38% -3.19%
ROIC Less NNEP Spread (ROIC-NNEP)
6.15% 6.95% 10.13% 4.42% 3.28% 4.19% 3.26% 3.35% 2.38% -4.98%
Return on Net Nonoperating Assets (RNNOA)
2.84% 2.67% 4.99% 2.77% 2.74% 3.10% 2.15% 2.45% 1.64% -3.14%
Return on Equity (ROE)
8.99% 9.62% 15.11% 7.19% 6.02% 7.29% 5.42% 5.80% 4.02% -6.33%
Cash Return on Invested Capital (CROIC)
-34.95% -29.21% -27.66% -29.29% -1.18% -11.04% 8.38% 15.80% 14.58% 25.55%
Operating Return on Assets (OROA)
1.35% 1.47% 2.26% 1.07% 0.86% 1.06% 0.81% 0.88% 0.60% -0.83%
Return on Assets (ROA)
1.01% 1.09% 1.69% 0.79% 0.64% 0.80% 0.60% 0.65% 0.45% -1.06%
Return on Common Equity (ROCE)
8.99% 9.62% 15.11% 7.19% 6.02% 7.29% 5.42% 5.80% 4.02% -6.33%
Return on Equity Simple (ROE_SIMPLE)
12.24% 0.00% 11.30% 9.33% 8.50% 0.00% 5.79% 5.63% 5.25% 0.00%
Net Operating Profit after Tax (NOPAT)
34 34 51 25 21 26 20 23 16 -22
NOPAT Margin
25.87% 28.10% 45.26% 22.99% 20.25% 26.56% 20.85% 22.84% 16.03% -20.13%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.79%
SG&A Expenses to Revenue
40.50% 43.08% 45.87% 50.07% 55.45% 49.13% 50.48% 51.13% 53.27% 54.33%
Operating Expenses to Revenue
50.66% 53.23% 58.55% 64.22% 70.72% 68.33% 69.60% 68.19% 72.12% 124.61%
Earnings before Interest and Taxes (EBIT)
45 46 68 33 28 35 27 31 22 -31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
48 49 74 39 33 40 34 37 28 -24
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
0.97 0.94 0.69 0.62 0.59 0.72 0.64 0.68 0.87 0.97
Price to Tangible Book Value (P/TBV)
1.33 1.28 0.92 0.82 0.78 0.96 0.85 0.90 1.15 1.24
Price to Revenue (P/Rev)
2.72 2.73 2.11 2.01 2.04 2.73 2.49 2.72 3.56 3.71
Price to Earnings (P/E)
7.96 8.42 6.13 6.60 6.95 9.37 11.01 12.05 16.55 75.58
Dividend Yield
4.23% 4.33% 7.14% 6.44% 6.72% 5.31% 6.03% 5.65% 4.34% 4.07%
Earnings Yield
12.56% 11.87% 16.32% 15.16% 14.40% 10.67% 9.08% 8.30% 6.04% 1.32%
Enterprise Value to Invested Capital (EV/IC)
0.89 0.89 0.64 0.65 0.52 0.66 0.61 0.64 0.62 0.75
Enterprise Value to Revenue (EV/Rev)
4.54 4.26 3.34 3.95 3.33 4.51 3.80 4.08 3.92 4.13
Enterprise Value to EBITDA (EV/EBITDA)
9.49 9.35 6.83 8.88 7.59 10.21 10.61 11.28 11.17 22.30
Enterprise Value to EBIT (EV/EBIT)
10.00 9.85 7.26 9.65 8.43 11.58 12.56 13.50 13.60 34.27
Enterprise Value to NOPAT (EV/NOPAT)
13.31 13.17 9.72 12.97 11.30 15.47 16.80 18.04 18.21 84.17
Enterprise Value to Operating Cash Flow (EV/OCF)
10.15 10.13 9.24 11.01 9.65 13.79 13.61 15.59 18.56 20.05
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 0.00 0.00 0.00 7.11 3.79 3.99 2.56
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
0.83 0.66 0.73 0.87 0.84 0.82 0.59 0.59 0.55 0.44
Long-Term Debt to Equity
0.83 0.62 0.73 0.83 0.79 0.77 0.55 0.54 0.50 0.40
Financial Leverage
0.46 0.38 0.49 0.63 0.84 0.74 0.66 0.73 0.69 0.63
Leverage Ratio
8.93 8.80 8.96 9.05 9.33 9.07 8.96 8.92 9.01 8.95
Compound Leverage Factor
8.93 8.80 8.96 9.05 9.33 9.07 8.96 8.92 9.01 8.95
Debt to Total Capital
45.46% 39.83% 42.16% 46.64% 45.56% 44.93% 37.23% 37.17% 35.39% 30.70%
Short-Term Debt to Total Capital
0.00% 2.51% 0.00% 2.58% 2.36% 2.60% 2.83% 2.95% 2.81% 3.07%
Long-Term Debt to Total Capital
45.46% 37.32% 42.16% 44.05% 43.21% 42.33% 34.40% 34.23% 32.58% 27.64%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
54.54% 60.17% 57.84% 53.36% 54.44% 55.07% 62.77% 62.83% 64.61% 69.30%
Debt to EBITDA
4.85 4.19 4.53 6.41 6.61 6.96 6.47 6.57 6.40 9.17
Net Debt to EBITDA
3.82 3.37 2.53 4.36 2.93 4.03 3.65 3.75 1.02 2.28
Long-Term Debt to EBITDA
4.85 3.93 4.53 6.06 6.27 6.56 5.98 6.05 5.89 8.26
Debt to NOPAT
6.81 5.91 6.45 9.37 9.85 10.55 10.25 10.51 10.43 34.63
Net Debt to NOPAT
5.35 4.75 3.60 6.37 4.36 6.10 5.79 5.99 1.66 8.60
Long-Term Debt to NOPAT
6.81 5.53 6.45 8.85 9.34 9.94 9.47 9.68 9.61 31.17
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
-910 -740 -747 -837 -142 -392 146 362 321 614
Operating Cash Flow to CapEx
2,332.84% 1,140.69% 819.78% 653.21% 2,048.72% 753.86% 123.59% 529.05% 721.91% 909.75%
Free Cash Flow to Firm to Interest Expense
-52.09 -19.13 -13.82 -12.37 -1.84 -4.67 1.68 4.26 3.61 7.23
Operating Cash Flow to Interest Expense
3.95 1.19 0.58 0.34 0.68 0.37 0.08 0.16 0.37 0.36
Operating Cash Flow Less CapEx to Interest Expense
3.78 1.08 0.51 0.29 0.65 0.32 0.02 0.13 0.32 0.32
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover
8.47 8.59 7.73 7.02 6.49 7.05 6.29 6.16 6.13 7.04
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
2,662 2,466 2,657 2,884 2,825 2,884 2,532 2,545 2,521 2,248
Invested Capital Turnover
0.24 0.25 0.22 0.19 0.16 0.16 0.16 0.15 0.15 0.16
Increase / (Decrease) in Invested Capital
943 774 798 862 163 418 -125 -339 -304 -636
Enterprise Value (EV)
2,366 2,191 1,688 1,862 1,478 1,901 1,545 1,624 1,557 1,678
Market Capitalization
1,415 1,401 1,064 947 908 1,151 1,012 1,085 1,415 1,507
Book Value per Share
$32.52 $33.24 $34.40 $34.33 $34.28 $35.37 $35.27 $35.49 $36.11 $34.52
Tangible Book Value per Share
$23.90 $24.49 $25.85 $25.83 $25.82 $26.65 $26.54 $26.75 $27.38 $26.99
Total Capital
2,662 2,466 2,657 2,884 2,825 2,884 2,532 2,545 2,521 2,248
Total Debt
1,210 982 1,120 1,345 1,287 1,296 942 946 892 690
Total Long-Term Debt
1,210 920 1,120 1,271 1,221 1,221 871 871 821 621
Net Debt
951 790 625 915 570 750 532 539 142 171
Capital Expenditures (CapEx)
2.95 4.02 3.83 3.50 2.58 4.07 5.73 2.56 4.51 3.35
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18
Net Nonoperating Obligations (NNO)
1,210 982 1,120 1,345 1,287 1,296 942 946 892 690
Total Depreciation and Amortization (D&A)
2.92 2.98 5.69 5.26 5.37 5.69 6.34 6.33 6.52 7.09
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$0.75 $0.76 $1.14 $0.55 $0.46 $0.59 $0.45 $0.51 $0.36 ($0.88)
Adjusted Weighted Average Basic Shares Outstanding
44.64M 44.67M 44.84M 44.86M 44.90M 44.94M 45.06M 45.11M 45.14M 45.14M
Adjusted Diluted Earnings per Share
$0.75 $0.76 $1.14 $0.55 $0.46 $0.58 $0.45 $0.51 $0.36 ($0.88)
Adjusted Weighted Average Diluted Shares Outstanding
44.64M 44.67M 44.84M 44.86M 44.90M 44.94M 45.06M 45.11M 45.14M 45.14M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
44.64M 44.67M 44.84M 44.86M 44.90M 44.94M 45.06M 45.11M 45.14M 45.14M
Normalized Net Operating Profit after Tax (NOPAT)
34 34 51 25 21 26 20 23 16 -22
Normalized NOPAT Margin
25.87% 28.10% 45.26% 22.99% 20.25% 26.56% 20.85% 22.84% 16.03% -20.13%
Pre Tax Income Margin
34.79% 37.84% 60.47% 31.08% 26.97% 35.17% 27.96% 30.79% 21.63% -28.75%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
2.59 1.18 1.27 0.49 0.36 0.41 0.32 0.36 0.25 -0.36
NOPAT to Interest Expense
1.92 0.88 0.95 0.37 0.27 0.31 0.24 0.27 0.18 -0.26
EBIT Less CapEx to Interest Expense
2.42 1.08 1.20 0.44 0.32 0.36 0.25 0.33 0.20 -0.40
NOPAT Less CapEx to Interest Expense
1.75 0.77 0.88 0.31 0.23 0.26 0.17 0.24 0.13 -0.29
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
34.21% 36.90% 35.23% 42.53% 46.74% 49.79% 66.57% 68.35% 72.04% 309.19%
Augmented Payout Ratio
78.07% 51.93% 35.23% 42.53% 46.74% 49.79% 66.57% 68.35% 72.04% 309.19%

Frequently Asked Questions About Sandy Spring Bancorp's Financials

When does Sandy Spring Bancorp's financial year end?

According to the most recent income statement we have on file, Sandy Spring Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Sandy Spring Bancorp's net income changed over the last 10 years?

Sandy Spring Bancorp's net income appears to be on an upward trend, with a most recent value of $19.94 million in 2024, falling from $38.20 million in 2014. The previous period was $122.84 million in 2023. Check out Sandy Spring Bancorp's forecast to explore projected trends and price targets.

How has Sandy Spring Bancorp revenue changed over the last 10 years?

Over the last 10 years, Sandy Spring Bancorp's total revenue changed from $176.42 million in 2014 to $406.44 million in 2024, a change of 130.4%.

How much debt does Sandy Spring Bancorp have?

Sandy Spring Bancorp's total liabilities were at $12.57 billion at the end of 2024, a 1.0% increase from 2023, and a 224.3% increase since 2014.

How much cash does Sandy Spring Bancorp have?

In the past 10 years, Sandy Spring Bancorp's cash and equivalents has ranged from $46.96 million in 2015 to $93.65 million in 2020, and is currently $80.70 million as of their latest financial filing in 2024.

How has Sandy Spring Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Sandy Spring Bancorp's book value per share changed from 20.84 in 2014 to 34.52 in 2024, a change of 65.7%.



This page (NASDAQ:SASR) was last updated on 5/5/2025 by MarketBeat.com Staff
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