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

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 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 -39 16 23 20 26 21 25 51 34 34
Consolidated Net Income / (Loss)		 -39 16 23 20 26 21 25 51 34 34
Net Income / (Loss) Continuing Operations		 -39 16 23 20 26 21 25 51 34 34
Total Pre-Tax Income 		-31 22 31 27 35 28 33 68 46 45
Total Revenue		 108 101 100 98 98 102 108 113 121 130
Net Interest Income / (Expense)		 86 81 80 79 82 85 90 97 107 113
Total Interest Income		 171 170 165 166 166 162 158 151 145 130
Loans and Leases Interest Income		 154 155 152 151 149 148 145 140 135 121
Investment Securities Interest Income		 9.52 9.20 9.04 8.46 8.30 8.49 8.64 8.78 8.56 8.16
Deposits and Money Market Investments Interest Income		 8.00 6.19 4.42 6.79 8.46 6.37 4.92 2.69 1.43 0.77
Total Interest Expense		 85 89 85 87 84 77 68 54 39 17
Deposits Interest Expense		 76 79 74 73 70 63 51 41 28 9.49
Long-Term Debt Interest Expense		 8.48 8.95 9.37 9.92 10 10 12 11 8.68 7.00
Federal Funds Purchased and Securities Sold Interest Expense		 0.37 0.45 1.05 3.39 4.08 4.08 4.19 2.10 1.70 0.98
Total Non-Interest Income		 22 20 20 18 17 17 17 16 14 17
Other Service Charges		 18 18 18 17 15 17 16 15 14 16
Other Non-Interest Income		 3.21 1.31 1.82 1.16 1.21 0.85 1.25 0.91 0.95 0.69
Provision for Credit Losses		 4.47 6.32 1.02 2.39 -3.45 2.37 5.06 -22 11 19
Total Non-Interest Expense		 134 73 68 68 67 72 69 66 64 66
Salaries and Employee Benefits		 44 41 38 37 35 45 41 39 39 40
Net Occupancy & Equipment Expense		 12 12 12 12 12 11 11 11 11 11
Marketing Expense		 2.01 1.32 1.29 0.74 1.24 0.73 1.59 1.54 1.35 1.37
Property & Liability Insurance Claims		 2.76 2.77 2.95 2.91 2.62 2.33 2.38 2.14 1.46 1.27
Other Operating Expenses		 12 14 12 14 15 12 12 11 9.40 10
Amortization Expense		 2.60 2.32 2.14 2.07 1.40 1.25 1.27 1.31 1.41 1.43
Income Tax Expense		 8.48 5.67 7.94 6.94 8.46 6.89 8.71 17 12 12
Basic Earnings per Share		 ($0.88) $0.36 $0.51 $0.45 $0.59 $0.46 $0.55 $1.14 $0.76 $0.75
Weighted Average Basic Shares Outstanding		 45.14M 45.14M 45.11M 45.06M 44.94M 44.90M 44.86M 44.84M 44.67M 44.64M
Diluted Earnings per Share		 ($0.88) $0.36 $0.51 $0.45 $0.58 $0.46 $0.55 $1.14 $0.76 $0.75
Weighted Average Diluted Shares Outstanding		 45.14M 45.14M 45.11M 45.06M 44.94M 44.90M 44.86M 44.84M 44.67M 44.64M
Weighted Average Basic & Diluted Shares Outstanding		 45.14M 45.14M 45.11M 45.06M 44.94M 44.90M 44.86M 44.84M 44.67M 44.64M
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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 -27 354 -228 123 151 45 -11 -22 61 -23 22
Net Cash From Operating Activities		 84 138 216 216 142 100 148 69 91 51 54
Net Cash From Continuing Operating Activities		 84 138 216 216 142 100 148 69 91 51 54
Net Income / (Loss) Continuing Operations		 20 123 166 235 97 116 101 53 48 45 38
Consolidated Net Income / (Loss)		 20 123 166 235 97 116 101 53 48 45 38
Provision For Loan Losses		 14 -18 34 -46 86 4.68 9.02 2.98 5.55 5.37 -0.16
Depreciation Expense		 26 22 12 15 20 13 13 7.98 7.96 7.31 7.16
Non-Cash Adjustments to Reconcile Net Income		 51 15 9.37 55 -51 -26 22 12 40 -2.39 0.27
Changes in Operating Assets and Liabilities, net		 -28 -4.10 -5.62 -42 -9.64 -8.86 3.65 -6.55 -11 -4.46 8.20
Net Cash From Investing Activities		 -190 179 -1,619 308 -1,200 -241 -505 -392 -423 -292 -262
Net Cash From Continuing Investing Activities		 -190 179 -1,619 308 -1,200 -241 -505 -392 -423 -292 -262
Purchase of Property, Leasehold Improvements and Equipment		 -16 -14 -15 -11 -5.04 -5.15 -10 -7.44 -5.80 -8.57 -8.56
Purchase of Investment Securities		 -259 6.90 -498 -933 -664 -327 -812 -553 -763 -420 -347
Divestitures		 0.00 0.00 24 0.00 0.00 0.00 32 - - - -
Sale and/or Maturity of Investments		 85 186 -1,131 1,253 -611 90 285 168 346 137 93
Net Cash From Financing Activities		 80 37 1,175 -402 1,209 186 346 301 394 217 230
Net Cash From Continuing Financing Activities		 80 37 1,175 -402 1,209 186 346 301 394 217 230
Net Change in Deposits		 750 44 331 596 1,270 525 340 386 314 197 189
Issuance of Debt		 0.00 2,030 2,727 0.00 400 2,298 5,477 3,965 2,665 2,274 1,805
Issuance of Common Equity		 1.36 2.42 2.19 5.76 2.00 1.43 1.40 1.20 1.58 1.17 0.39
Repayment of Debt		 -300 -2,030 -1,977 -432 -713 -2,458 -5,634 -4,019 -2,565 -2,244 -1,765
Repurchase of Common Equity		 0.00 0.00 -25 -107 -26 -24 0.00 0.00 -13 -23 -0.91
Payment of Dividends		 -62 -61 -61 -60 -53 -42 -39 -25 -24 -22 -19
Other Financing Activities, Net		 -310 51 179 -404 329 -115 200 -6.71 15 34 21
Cash Interest Paid		 359 263 62 38 63 84 61 26 21 20 19
Cash Income Taxes Paid		 25 36 62 72 56 34 26 32 22 21 15

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

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

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

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

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

Frequently Asked Questions About Sandy Spring Bancorp's Financials

When does Sandy Spring Bancorp's fiscal year end?

According to the most recent income statement we have on file, Sandy Spring Bancorp's financial year ends in December. Their financial 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. View Sandy Spring Bancorp's forecast to see where analysts expect Sandy Spring Bancorp to go next.

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%.


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This page (NASDAQ:SASR) was last updated on 5/29/2025 by MarketBeat.com Staff
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