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SIGNATURE BANK (SBNY) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:SBNY - US82669G1040 - Common Stock

70 USD
-20.76 (-22.87%)
Last: 3/10/2023, 8:00:02 PM
69.62 USD
-0.38 (-0.54%)
Pre-Market: 3/13/2023, 8:49:01 AM
Fundamental Rating

4

SBNY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. SBNY may be in some trouble as it scores bad on both profitability and health. SBNY is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

3

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.
SBNY Yearly Net Income VS EBIT VS OCF VS FCFSBNY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M

1.2 Ratios

  • SBNY's Return On Assets of 1.11% is in line compared to the rest of the industry. SBNY outperforms 51.33% of its industry peers.
  • The Return On Equity of SBNY (16.54%) is better than 84.57% of its industry peers.
Industry RankSector 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
SBNY Yearly ROA, ROE, ROICSBNY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2 4 6 8 10

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.
  • The Operating Margin and Gross Margin are not available for SBNY so they could not be analyzed.
Industry RankSector 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
SBNY Yearly Profit, Operating, Gross MarginsSBNY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 10 20 30 40

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3

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.
SBNY Yearly Shares OutstandingSBNY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M
SBNY Yearly Total Debt VS Total AssetsSBNY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 20B 40B 60B 80B 100B

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.
  • SBNY has a Debt to FCF ratio of 0.58. This is amongst the best in the industry. SBNY outperforms 88.03% of its industry peers.
  • SBNY has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • 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 RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.58
Altman-Z N/A
ROIC/WACCN/A
WACC7.92%
SBNY Yearly LT Debt VS Equity VS FCFSBNY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SBNY Yearly Current Assets VS Current LiabilitesSBNY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M 1B

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6

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.
  • The Earnings Per Share has been growing by 15.26% on average over the past years. This is quite good.
  • SBNY shows a strong growth in Revenue. In the last year, 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.
  • 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

  • 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.
SBNY Yearly Revenue VS EstimatesSBNY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
SBNY Yearly EPS VS EstimatesSBNY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 3.54 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's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
  • With a Price/Forward Earnings ratio of 4.69, the valuation of SBNY can be described as very cheap.
  • 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 24.29. SBNY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 3.54
Fwd PE 4.69
SBNY Price Earnings VS Forward Price EarningsSBNY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 RankSector Rank
P/FCF 3.56
EV/EBITDA N/A
SBNY Per share dataSBNY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

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%

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3

5. Dividend

5.1 Amount

  • SBNY has a Yearly Dividend Yield of 2.19%.
  • 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.
  • SBNY's Dividend Yield is slightly below the industry average, which is at 2.87.
  • Compared to an average S&P500 Dividend Yield of 1.85, SBNY has a dividend comparable with the average S&P500 company.
Industry RankSector 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
SBNY Yearly Dividends per shareSBNY Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 0.5 1 1.5 2

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%
SBNY Yearly Income VS Free CF VS DividendSBNY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M
SBNY Dividend Payout.SBNY Dividend Payout, showing the Payout Ratio.SBNY Dividend Payout.PayoutRetained Earnings

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SIGNATURE BANK

NASDAQ:SBNY (3/10/2023, 8:00:02 PM)

Premarket: 69.62 -0.38 (-0.54%)

70

-20.76 (-22.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-17
Earnings (Next)04-17
Inst Owners0.65%
Inst Owner Change-1.07%
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 %1.45%
Short Ratio0.49
Dividend
Industry RankSector 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 RankSector 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 RankSector 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 RankSector 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.


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.