SIGNATURE BANK (SBNY) Stock Fundamental Analysis
USA - NASDAQ:SBNY - US82669G1040 - Common Stock
70 USD
-20.76 (-22.87%)
69.62 USD
-0.38 (-0.54%)
SBNY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 388 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 is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
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'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
The Profit Margin of SBNY (49.26%) is better 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
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.
The Debt to FCF ratio of SBNY (0.58) is better than 88.03% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that SBNY is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.07, SBNY is in the better half of 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
The Earnings Per Share has grown by an impressive 41.94% over the past year.
The Earnings Per Share has been growing by 15.26% on average over the past years. This is quite good.
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
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.
SBNY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.98% yearly.
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 25.89.
SBNY is valuated cheaply with a Price/Forward Earnings ratio of 4.69.
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 34.59. SBNY is valued rather cheaply when compared to this.
| 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 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
SBNY's 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 3.39.
SBNY's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| 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.