Sandy Spring Bancorp (SASR) Financials

$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

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

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

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

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

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

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

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%

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. Find out what analysts predict for Sandy Spring Bancorp in the coming months.

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 5/28/2025 by MarketBeat.com Staff

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Sandy Spring Bancorp (SASR) Financials

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Sandy Spring Bancorp (SASR) Financials

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