70 USD
-20.76 (-22.87%)
69.62 USD
-0.38 (-0.54%)
Taking everything into account, SBNY scores 5 out of 10 in our fundamental rating. SBNY was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of SBNY while its profitability can be described as average. 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.
In the past year SBNY had a positive cash flow from operations.
Of the past 5 years SBNY 4 years were profitable.
SBNY had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.11%, SBNY perfoms like the industry average, outperforming 51.33% of the companies in the same industry.
SBNY has a better Return On Equity (16.54%) than 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
SBNY has a Profit Margin of 49.26%. This is amongst the best in the industry. SBNY outperforms 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.
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.
SBNY's Debt to FCF ratio of 0.58 is amongst the best of the industry. SBNY outperforms 88.03% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that SBNY is not too dependend on debt financing.
SBNY's Debt to Equity ratio of 0.07 is fine compared to the rest 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%.
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.
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
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.
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.
SBNY's Price/Earnings ratio is rather cheap when compared to the industry. SBNY is cheaper than 94.68% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.15, SBNY is valued rather cheaply.
SBNY is valuated cheaply with a Price/Forward Earnings ratio of 4.69.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SBNY indicates a rather cheap valuation: SBNY is cheaper than 91.76% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.12. SBNY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.54 | ||
| Fwd PE | 4.69 |
4.2 Price Multiples
SBNY's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SBNY is cheaper than 82.18% of the companies in the same industry.
| 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.
In the last 3 months the price of SBNY has falen by -40.96%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.33, SBNY is paying slightly less dividend.
SBNY's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| 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.