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.

Sandy Spring Bancorp, Inc.

Sandy Spring Bank provides personal and business banking services in Maryland, Washington D.C., and Virginia. Self-described services include online banking, lending, and wealth management.

Metric
Company Name	Sandy Spring Bancorp, Inc.
Symbol	SASR
MSH ID	COM:SANDYSPRINGBANK
Market	STOCKS
Sector	Financial Services
Industry	Banks - Regional
Country	US
Stage
Employee Count	1.08K
Website	sandyspringbank.com
LinkedIn
Founders

Metric
Market Cap	1.12B
Enterprise Value
Monthly Web Traffic	227.99K
Web Traffic Growth	-0.17
Valuation
Raised Capital	200M

Metric
Revenue	704.60M
Revenue (LTM)
Revenue (NTM)
Gross Profit	704.60M
EBITDA	5.22M
Operating Income
Net Income	122.84M
EPS	2.74
Diluted EPS	2.73
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1
Operating Profit Margin	0.36
EBITDA Margin	0.01
Net Profit Margin	0.24
Return on Equity	0.08
Return on Assets	0.01
Return on Capital Employed	0.02

COM:SANDYSPRINGBANK

Sandy Spring Bank

Last Close

37.17

22/11 21:00

Market Cap

1.12B

Beta: -

Volume Today

281.53K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	8.14
P/B Ratio	0.69
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	2.43
EV Multiple	33.82

Metric
Days Sales Outstanding	37.05
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.05

Metric
Operating Cash Flow	137.81M
Free Cash Flow	123.83M
Cash Flow to Debt	0.13
Operating Cash Flow/Sales	0.27
Free Cash Flow Yield	0.13

Metric
Cash & Equivalents	545.65M
Accounts Receivable	-5.41M
Inventory	-128.84M
Goodwill	363.44M
Debt to Capitalization	0.45
Debt to Assets	0.07
Current Ratio	11.56
Quick Ratio	0.57

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.02
R&D to Revenue
SG&A to Revenue	0.39