Sandy Spring Bancorp Inc - Understand $sasr stock

$SASR Market Cap: $1.73 Billion

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Financial Snapshot

Revenue

$501.2M

TTM

Gross Margin

Net Earnings

$85.45M

TTM

Current Assets

Current Liabilities

$195.3M

Q3 2024

Current Ratio

Total Assets

$14.38B

Q3 2024

Total Liabilities

$12.75B

Q3 2024

Book Value

$1.629B

Q3 2024

Cash

$750.3M

Q3 2024

P/E

20.24

Nov 13, 2024 EST

Free Cash Flow

$38.97M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Revenue	$637.5M	$495.7M	$450.3M	$423.6M	$347.9M	$324.1M	$194.8M	$170.6M	$158.3M	$148.4M	$149.3M	$143.9M	$139.5M
YoY Change	28.62%	10.08%	6.31%	21.76%	7.34%	66.37%	14.21%	7.73%	6.7%	-0.66%	3.81%	3.15%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$637.5M	$495.7M	$450.3M	$423.6M	$347.9M	$324.1M	$194.8M	$170.6M	$158.3M	$148.4M	$149.3M	$143.9M	$139.5M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$22.01M	$11.91M	$14.50M	$19.90M	$13.40M	$12.50M	$8.000M	$8.000M	$7.300M	$7.200M	$8.000M	$7.800M	$7.500M	$7.700M	$9.800M	$10.80M	$10.60M	$8.900M	$6.800M	$9.000M	$6.700M	$6.100M	$6.200M	$5.700M	$3.200M	$2.700M	$2.200M	$1.800M	$1.700M	$1.500M	$1.100M
YoY Change	84.83%	-17.89%	-27.14%	48.51%	7.2%	56.25%	0.0%	9.59%	1.39%	-10.0%	2.56%	4.0%	-2.6%	-21.43%	-9.26%	1.89%	19.1%	30.88%	-24.44%	34.33%	9.84%	-1.61%	8.77%	78.13%	18.52%	22.73%	22.22%	5.88%	13.33%	36.36%	10.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$283.0M	$68.66M	$25.77M	$60.40M	$82.56M	$63.64M	$26.03M	$21.00M	$20.11M	$18.82M	$19.43M	$22.65M	$26.52M
YoY Change	312.12%	166.49%	-57.34%	-26.84%	29.74%	144.47%	23.93%	4.43%	6.88%	-3.16%	-14.21%	-14.6%
% of Operating Profit
Other Income/Expense, Net	$15.68M	$12.98M	$13.23M	$10.89M	$9.910M	$9.029M	$11.19M	$9.998M	$10.90M	$10.58M	$9.129M	$8.348M	$7.598M
YoY Change	20.81%	-1.87%	21.43%	9.93%	9.76%	-19.3%	11.9%	-8.24%	2.98%	15.91%	9.36%	9.87%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Pretax Income	$164.1M	$222.4M	$311.7M	$124.4M	$152.9M	$132.7M	$87.94M	$71.99M	$67.38M	$55.78M	$66.99M	$54.60M	$49.95M	$32.60M	-$30.90M	$19.40M	$45.20M	$45.80M	$45.30M	$12.70M	$41.50M	$41.50M	$31.40M	$24.40M	$23.80M	$23.00M	$19.80M	$17.30M	$14.60M	$12.60M	$10.90M
YoY Change	-26.18%	-28.65%	150.48%	-18.6%	15.2%	50.89%	22.15%	6.84%	20.8%	-16.72%	22.69%	9.31%	53.21%	-205.5%	-259.28%	-57.08%	-1.31%	1.1%	256.69%	-69.4%	0.0%	32.17%	28.69%	2.52%	3.48%	16.16%	14.45%	18.49%	15.87%	15.6%	0.0%
Income Tax	$41.29M	$56.06M	$76.55M	$27.47M	$36.43M	$31.82M	$34.73M	$23.74M	$22.03M	$17.58M	$22.56M	$18.05M	$15.85M	$9.000M	-$16.00M	$3.600M	$13.00M	$12.90M	$12.20M	-$1.700M	$9.500M	$10.90M	$8.300M	$5.800M	$6.300M	$6.900M	$6.600M	$5.800M	$4.700M	$3.700M	$2.900M
% Of Pretax Income	25.16%	25.21%	24.56%	22.08%	23.83%	23.98%	39.49%	32.98%	32.69%	31.52%	33.68%	33.05%	31.72%	27.61%		18.56%	28.76%	28.17%	26.93%	-13.39%	22.89%	26.27%	26.43%	23.77%	26.47%	30.0%	33.33%	33.53%	32.19%	29.37%	26.61%
Net Earnings	$122.6M	$165.6M	$235.1M	$96.95M	$116.4M	$100.9M	$53.21M	$48.25M	$45.36M	$38.20M	$44.42M	$36.55M	$34.10M	$23.50M	-$14.90M	$15.80M	$32.30M	$32.90M	$33.10M	$14.40M	$32.10M	$30.60M	$23.00M	$18.60M	$17.50M	$16.10M	$13.20M	$11.50M	$10.00M	$8.900M	$8.000M
YoY Change	-25.96%	-29.56%	142.5%	-16.73%	15.44%	89.56%	10.28%	6.38%	18.73%	-14.01%	21.52%	7.19%	45.11%	-257.72%	-194.3%	-51.08%	-1.82%	-0.6%	129.86%	-55.14%	4.9%	33.04%	23.66%	6.29%	8.7%	21.97%	14.78%	15.0%	12.36%	11.25%	-6.98%
Net Earnings / Revenue	19.23%	33.41%	52.21%	22.89%	33.47%	31.12%	27.31%	28.29%	28.65%	25.75%	29.74%	25.41%	24.45%
Basic Earnings Per Share	$2.74	$3.69	$5.00	$2.19	$3.25	$2.82	$2.20	$2.00	$1.84	$1.53	$1.78	$1.49	$1.42
Diluted Earnings Per Share	$2.73	$3.709M	$4.98	$2.18	$3.25	$2.82	$2.20	$2.00	$1.84	$1.52	$1.77	$1.48	$1.41	$1.049M	-$908.5K	$963.4K	$2.006M	$2.208M	$2.236M	$979.6K	$2.184M	$2.082M	$1.575M	$1.292M	$1.207M	$1.110M	$898.0K	$787.7K	$694.4K	$631.2K	$645.2K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$59.49M	$67.07M	$118.0M	$123.0M	$128.0M	$62.00M	$55.00M	$54.00M	$53.00M	$49.00M	$46.00M	$48.00M	$48.00M	$49.00M	$50.00M	$51.00M	$54.00M	$48.00M	$45.00M	$42.00M	$38.00M	$36.00M	$33.00M	$31.00M	$32.00M	$28.00M	$28.00M	$20.00M	$20.00M	$14.00M	$14.00M
YoY Change	-11.3%	-43.16%	-4.07%	-3.91%	106.45%	12.73%	1.85%	1.89%	8.16%	6.52%	-4.17%	0.0%	-2.04%	-2.0%	-1.96%	-5.56%	12.5%	6.67%	7.14%	10.53%	5.56%	9.09%	6.45%	-3.13%	14.29%	0.0%	40.0%	0.0%	42.86%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$14.03B	$13.83B	$12.59B	$12.80B	$8.629B	$8.243B	$5.447B	$5.091B	$4.655B	$4.397B	$4.106B	$3.955B	$3.711B	$3.519B	$3.630B	$3.314B	$3.044B	$2.610B	$2.460B	$2.309B	$2.334B	$2.307B	$2.082B	$1.773B	$1.591B	$1.343B	$1.121B	$979.0M	$876.0M	$764.0M	$722.0M
YoY Change
Accounts Payable	$147.7M	$153.8M	$65.00M	$71.00M	$42.00M	$47.00M	$34.00M	$35.00M	$38.00M	$44.00M	$26.00M	$32.00M	$25.00M	$25.00M	$24.00M	$34.00M	$28.00M	$27.00M	$21.00M	$20.00M	$16.00M	$23.00M	$19.00M	$10.00M	$5.000M	$7.000M	$5.000M	$4.000M	$6.000M	$3.000M	$5.000M
YoY Change	-3.97%	136.55%	-8.45%	69.05%	-10.64%	38.24%	-2.86%	-7.89%	-13.64%	69.23%	-18.75%	28.0%	0.0%	4.17%	-29.41%	21.43%	3.7%	28.57%	5.0%	25.0%	-30.43%	21.05%	90.0%	100.0%	-28.57%	40.0%	25.0%	-33.33%	100.0%	-40.0%
Accrued Expenses	$48.06M	$57.40M	$67.00M	$75.00M	$77.00M
YoY Change	-16.28%	-14.33%	-10.67%	-2.6%
Deferred Revenue
YoY Change
Short-Term Debt	$375.0M	$322.0M	$141.0M	$543.0M	$214.0M	$327.0M	$119.0M	$125.0M	$109.0M	$74.00M	$54.00M	$87.00M	$144.0M	$96.00M	$89.00M	$75.00M	$98.00M	$99.00M	$188.0M	$161.0M	$168.0M	$219.0M	$189.0M	$126.0M	$122.0M	$82.00M	$60.00M	$47.00M	$4.000M	$45.00M	$27.00M
YoY Change	16.48%	128.35%	-74.03%	153.74%	-34.56%	174.79%	-4.8%	14.68%	47.3%	37.04%	-37.93%	-39.58%	50.0%	7.87%	18.67%	-23.47%	-1.01%	-47.34%	16.77%	-4.17%	-23.29%	15.87%	50.0%	3.28%	48.78%	36.67%	27.66%	1075.0%	-91.11%	66.67%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$522.7M	$153.8M	$132.0M	$146.0M	$119.0M	$47.00M	$34.00M	$35.00M	$38.00M	$44.00M	$26.00M	$32.00M	$25.00M	$25.00M	$24.00M	$34.00M	$28.00M	$27.00M	$21.00M	$20.00M	$16.00M	$23.00M	$19.00M	$10.00M	$5.000M	$7.000M	$5.000M	$4.000M	$6.000M	$3.000M	$5.000M
YoY Change	239.94%	16.48%	-9.59%	22.69%	153.19%	38.24%	-2.86%	-7.89%	-13.64%	69.23%	-18.75%	28.0%	0.0%	4.17%	-29.41%	21.43%	3.7%	28.57%	5.0%	25.0%	-30.43%	21.05%	90.0%	100.0%	-28.57%	40.0%	25.0%	-33.33%	100.0%	-40.0%
Long-Term Debt	$370.8M	$370.2M	$173.0M	$227.0M	$209.0M	$37.00M	$0.00	$30.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.16%	113.99%	-23.79%	8.61%	464.86%		-100.0%	-14.29%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$370.8M	$370.2M	$173.0M	$227.0M	$209.0M	$37.00M	$0.00	$30.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.16%	113.99%	-23.79%	8.61%	464.86%		-100.0%	-14.29%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Total Liabilities	$12.44B	$12.35B	$11.07B	$11.33B	$7.496B	$7.175B	$4.883B	$4.558B	$4.131B	$3.875B	$3.607B	$3.472B	$3.265B	$3.112B	$3.257B	$2.922B	$2.728B	$2.373B	$2.242B	$2.114B	$2.141B	$2.129B	$1.932B	$1.645B	$1.483B	$1.233B	$1.017B	$882.0M	$789.0M	$697.0M	$656.0M
YoY Change	0.73%	11.55%	-2.27%	51.12%	4.47%	46.94%	7.13%	10.34%	6.61%	7.43%	3.89%	6.34%	4.92%	-4.45%	11.46%	7.11%	14.96%	5.84%	6.05%	-1.26%	0.56%	10.2%	17.45%	10.92%	20.28%	21.24%	15.31%	11.79%	13.2%	6.25%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	44.91M shares	45.05M shares	47.00M shares	44.31M shares	35.80M shares	35.71M shares
Diluted Shares Outstanding					35.85M shares	35.73M shares	24.21M shares	24.15M shares	24.70M shares	25.14M shares	25.08M shares	24.66M shares	24.15K shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $1.7296 Billion

About Sandy Spring Bancorp Inc

Sandy Spring Bancorp, Inc. is a bank holding company, which engages in the provision of commercial banking, retail banking, and trust services to individuals and businesses. The company is headquartered in Olney, Maryland and currently employs 1,084 full-time employees. The firm offers a range of commercial and retail banking, mortgage, private banking and trust services at approximately 50 locations throughout central Maryland, northern Virginia, and Washington D.C. The company offers a menu of loan products, which include commercial loans, residential real estate loans, and consumer loans. Its commercial loans consist of commercial real estate loans, commercial construction loans and commercial business loans. Its consumer loans include primarily home equity loans and lines, installment loans and personal lines of credit. Its consumer loans include installment loans used by customers to purchase automobiles, boats and recreational vehicles. Through its subsidiaries, SSB Wealth Management, Inc. (d/b/a Rembert Pendleton Jackson) and West Financial Services, Inc., Sandy Spring Bank, offers a comprehensive menu of wealth management services.

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