70 USD
-20.76 (-22.87%)
69.62 USD
-0.38 (-0.54%)
Overall SBNY gets a fundamental rating of 4 out of 10. We evaluated SBNY against 383 industry peers in the Banks industry. SBNY may be in some trouble as it scores bad on both profitability and health. SBNY may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- In the past year SBNY was profitable.
- In the past year SBNY had a positive cash flow from operations.
1.2 Ratios
- SBNY has a Return On Assets (1.11%) which is in line with its industry peers.
- With an excellent Return On Equity value of 16.54%, SBNY belongs to the best of the industry, outperforming 84.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 16.54% | ||
| ROIC | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- SBNY has a better Profit Margin (49.26%) than 98.94% of its industry peers.
- SBNY's Profit Margin has improved in the last couple of years.
- SBNY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 49.26% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.51%
PM growth 5Y5.73%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- SBNY does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for SBNY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- SBNY has a debt to FCF ratio of 0.58. This is a very positive value and a sign of high solvency as it would only need 0.58 years to pay back of all of its debts.
- With an excellent Debt to FCF ratio value of 0.58, SBNY belongs to the best of the industry, outperforming 88.03% of the companies in the same industry.
- A Debt/Equity ratio of 0.07 indicates that SBNY is not too dependend on debt financing.
- SBNY has a Debt to Equity ratio of 0.07. This is in the better half of the industry: SBNY outperforms 76.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 41.94% over the past year.
- SBNY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.26% yearly.
- The Revenue has grown by 39.46% in the past year. This is a very strong growth!
- Measured over the past years, SBNY shows a quite strong growth in Revenue. The Revenue has been growing by 10.96% on average per year.
EPS 1Y (TTM)41.94%
EPS 3Y17.61%
EPS 5Y15.26%
EPS Q2Q%43.56%
Revenue 1Y (TTM)39.46%
Revenue growth 3Y14.04%
Revenue growth 5Y10.96%
Sales Q2Q%40.1%
3.2 Future
- Based on estimates for the next years, SBNY will show a small growth in Earnings Per Share. The EPS will grow by 2.56% on average per year.
- Based on estimates for the next years, SBNY will show a quite strong growth in Revenue. The Revenue will grow by 10.98% on average per year.
EPS Next Y42.69%
EPS Next 2Y-0.32%
EPS Next 3Y2.56%
EPS Next 5YN/A
Revenue Next Year36.38%
Revenue Next 2Y12.21%
Revenue Next 3Y10.98%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 3.54, the valuation of SBNY can be described as very cheap.
- Based on the Price/Earnings ratio, SBNY is valued cheaper than 94.68% of the companies in the same industry.
- When comparing the Price/Earnings ratio of SBNY to the average of the S&P500 Index (27.21), we can say SBNY is valued rather cheaply.
- The Price/Forward Earnings ratio is 4.69, which indicates a rather cheap valuation of SBNY.
- Based on the Price/Forward Earnings ratio, SBNY is valued cheaply inside the industry as 91.76% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. SBNY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.54 | ||
| Fwd PE | 4.69 |
4.2 Price Multiples
- 82.18% of the companies in the same industry are more expensive than SBNY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.56 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.08
PEG (5Y)0.23
EPS Next 2Y-0.32%
EPS Next 3Y2.56%
5. Dividend
5.1 Amount
- SBNY has a Yearly Dividend Yield of 2.19%. Purely for dividend investing, there may be better candidates out there.
- The stock price of SBNY dropped by -40.96% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
- SBNY's Dividend Yield is slightly below the industry average, which is at 2.61.
- Compared to an average S&P500 Dividend Yield of 1.81, SBNY pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.19% |
5.2 History
- SBNY has been paying a dividend for over 5 years, so it has already some track record.
- SBNY has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
- SBNY pays out 13.87% of its income as dividend. This is a sustainable payout ratio.
DP13.87%
EPS Next 2Y-0.32%
EPS Next 3Y2.56%
SIGNATURE BANK / SBNY FAQ
What is the ChartMill fundamental rating of SIGNATURE BANK (SBNY) stock?
ChartMill assigns a fundamental rating of 6 / 10 to SBNY.
What is the valuation status of SIGNATURE BANK (SBNY) stock?
ChartMill assigns a valuation rating of 10 / 10 to SIGNATURE BANK (SBNY). This can be considered as Undervalued.
How profitable is SIGNATURE BANK (SBNY) stock?
SIGNATURE BANK (SBNY) has a profitability rating of 6 / 10.
What is the financial health of SIGNATURE BANK (SBNY) stock?
The financial health rating of SIGNATURE BANK (SBNY) is 3 / 10.
What is the expected EPS growth for SIGNATURE BANK (SBNY) stock?
The Earnings per Share (EPS) of SIGNATURE BANK (SBNY) is expected to grow by 42.69% in the next year.