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. A decent growth rate in combination with a cheap valuation! Better keep an eye on SBNY.
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 comparable to the rest of the industry.
- SBNY's Return On Equity of 16.54% is amongst the best of 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
- Looking at the Profit Margin, with a value of 49.26%, SBNY belongs to the top 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.
- The Operating Margin and Gross Margin are not available for SBNY so they could not be analyzed.
| 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.
- 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.
- A Debt/Equity ratio of 0.07 indicates that SBNY is not too dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.07, SBNY is doing good in the industry, outperforming 76.06% of the companies in the same industry.
| 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.
- Looking at the last year, SBNY shows a very strong growth in Revenue. The Revenue has grown by 39.46%.
- The Revenue has been growing by 10.96% on average over the past years. This is quite good.
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.
- 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
- SBNY is valuated cheaply with a Price/Earnings ratio of 3.54.
- 94.68% of the companies in the same industry are more expensive than SBNY, based on the Price/Earnings ratio.
- SBNY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.60.
- SBNY is valuated cheaply with a Price/Forward Earnings ratio of 4.69.
- SBNY's Price/Forward Earnings ratio is rather cheap when compared to the industry. SBNY is cheaper than 91.76% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of SBNY to the average of the S&P500 Index (25.83), we can say SBNY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.54 | ||
| Fwd PE | 4.69 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, SBNY is valued cheaply inside the industry as 82.18% of the companies are valued more expensively.
| 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
- With a Yearly Dividend Yield of 2.19%, SBNY has a reasonable but not impressive dividend return.
- 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 2.60.
- Compared to an average S&P500 Dividend Yield of 1.82, 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.