Sandy Spring Bancorp, Inc.

Dividend Growth

Min. Div. Growth Past 7 Yrs. ≥ 15%: 12.1
Rolling 4-Yrs Div. Growth Past 7 Yrs ≥ 15%: 5.2%
Years of Div. Growth ≥ 15: 13

Income Generation

Current Yield 6.7≥ 20-Yrs Treasury Yield 5.0
Total Dividends ≥ 20-Yrs Treasury Coupons in 5 Yrs


Debt-To-Equity 0.39 ≤ 0.45 
Last 12Months Cash Payout 0.36 ≤ 0.6 


5-Yr Avg. Return-on-Equity 11.4≥ 15%
Last 12Months Return-on-Equity 9.6≥ 15%
Last 12Months Net Profit Margin 30.4≥ 10% 

Fair Value

Average 5-Yrs High Yield 4.4%
Current Price $20.4 ≤ High Yield Price $30.7
Average 5-Yrs Price-to-Earning (P/E) 11.4
Current Price $20.4 ≤ Average P/E Price $36.4
Current Price $20.4 ≤ Fair Value $36.4 
Company Description
Sandy Spring Bancorp, Inc. operates as the bank holding company for Sandy Spring Bank that provides commercial and retail banking, mortgage, private banking, and trust services to individuals and businesses. It operates through three segments: Community Banking, Insurance, and Investment Management. The Community Banking segment offers financial products and services, including various loan and deposit products. Its loan products include commercial real estate loans, commercial construction loans, and other commercial loans; residential real estate loans; and consumer loans comprising home equity loans and lines, installment loans, and personal lines of credit. The Insurance segment provides general insurance agency services and annuities, such as commercial, personal, and medical liability lines. The Investment Management segment offers investment management and financial planning, including cash flow analysis, investment review, tax and retirement planning, insurance analysis, and estate planning to individuals, families, small businesses, and associations. It also provides personal trust and wealth management services. The company operates a network of approximately 50 locations in Maryland, Northern Virginia, and Washington D.C. Sandy Spring Bancorp, Inc. was founded in 1868 and is headquartered in Olney, Maryland.


Free Cash Flow