70 USD
-20.76 (-22.87%)
69.62 USD
-0.38 (-0.54%)
We assign a fundamental rating of 5 out of 10 to SBNY. SBNY was compared to 387 industry peers in the Banks industry. While SBNY is still in line with the averages on profitability rating, there are concerns on its financial health. SBNY may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
SBNY had positive earnings in the past year.
SBNY had a positive operating cash flow in the past year.
SBNY had positive earnings in 4 of the past 5 years.
Of the past 5 years SBNY 4 years had a positive operating cash flow.
1.2 Ratios
SBNY has a Return On Assets (1.11%) which is comparable to the rest of the industry.
SBNY has a Return On Equity of 16.54%. This is amongst the best in the industry. SBNY outperforms 84.57% of its industry peers.
| 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
With an excellent Profit Margin value of 49.26%, SBNY belongs to the best of the industry, outperforming 98.94% of the companies in the same industry.
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.
SBNY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
The Debt to FCF ratio of SBNY is 0.58, which is an excellent value as it means it would take SBNY, only 0.58 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.58, SBNY belongs to the top of the industry, outperforming 88.03% of the companies in the same industry.
SBNY has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
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
SBNY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.94%, which is quite impressive.
SBNY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.26% yearly.
SBNY shows a strong growth in Revenue. In the last year, the Revenue has grown by 39.46%.
SBNY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.96% yearly.
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
SBNY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.56% yearly.
The Revenue is expected to grow by 10.98% on average over the next years. This is quite good.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 3.54, which indicates a rather cheap valuation of SBNY.
Based on the Price/Earnings ratio, SBNY is valued cheaper than 94.68% of the companies in the same industry.
SBNY is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
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 cheaper than 91.76% of the companies in the same industry.
SBNY is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.52, which is the current average of the S&P500 Index.
| 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%.
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 3.11.
Compared to an average S&P500 Dividend Yield of 2.31, SBNY has a dividend comparable with the average S&P500 company.
| 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
13.87% of the earnings are spent on dividend by SBNY. This is a low number and sustainable payout ratio.
DP13.87%
EPS Next 2Y-0.32%
EPS Next 3Y2.56%
70
-20.76 (-22.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners0.65%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.40B
Revenue(TTM)2.58B
Net Income(TTM)1.27B
Analysts78.26
Price Target155.04 (121.49%)
Short Float %1.48%
Short Ratio0.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.19% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP13.87%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.55%
Min EPS beat(2)0.89%
Max EPS beat(2)2.2%
EPS beat(4)4
Avg EPS beat(4)3.99%
Min EPS beat(4)0.89%
Max EPS beat(4)7.83%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-3.29%
Min Revenue beat(2)-4.88%
Max Revenue beat(2)-1.7%
Revenue beat(4)1
Avg Revenue beat(4)-1.8%
Min Revenue beat(4)-4.88%
Max Revenue beat(4)1.59%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-0.22%
PT rev (3m)-27.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.58%
EPS NY rev (1m)-1.16%
EPS NY rev (3m)-1.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.93%
Revenue NY rev (1m)-0.76%
Revenue NY rev (3m)-0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.54 | ||
| Fwd PE | 4.69 | ||
| P/S | 1.71 | ||
| P/FCF | 3.56 | ||
| P/OCF | 3.43 | ||
| P/B | 0.57 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)19.8
EY28.29%
EPS(NY)14.93
Fwd EY21.34%
FCF(TTM)19.67
FCFY28.1%
OCF(TTM)20.43
OCFY29.18%
SpS41.03
BVpS122.21
TBVpS122.21
PEG (NY)0.08
PEG (5Y)0.23
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 16.54% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 49.26% | ||
| GM | N/A | ||
| FCFM | 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score6
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.58 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 203.47% | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 97.33% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.92%
ROIC/WACCN/A
Cap/Depr(3y)162.03%
Cap/Depr(5y)151.52%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)129.62%
Profit Quality(5y)130.1%
High Growth Momentum
Growth
EPS 1Y (TTM)41.94%
EPS 3Y17.61%
EPS 5Y15.26%
EPS Q2Q%43.56%
EPS Next Y42.69%
EPS Next 2Y-0.32%
EPS Next 3Y2.56%
EPS Next 5YN/A
Revenue 1Y (TTM)39.46%
Revenue growth 3Y14.04%
Revenue growth 5Y10.96%
Sales Q2Q%40.1%
Revenue Next Year36.38%
Revenue Next 2Y12.21%
Revenue Next 3Y10.98%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y42.55%
FCF growth 3Y9.8%
FCF growth 5Y9.09%
OCF growth 1Y40.94%
OCF growth 3Y10.52%
OCF growth 5Y9.26%
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.
Can you provide the valuation status for SIGNATURE BANK?
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 valuation of SIGNATURE BANK based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SIGNATURE BANK (SBNY) is 3.54 and the Price/Book (PB) ratio is 0.57.
How financially healthy is SIGNATURE BANK?
The financial health rating of SIGNATURE BANK (SBNY) is 3 / 10.