SANDY SPRING BANCORP INC
SASRFinancials · National Commercial Banks · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $19.9M | $122.8M | $166.3M | $235.1M | $97.0M | $116.4M |
| Total assets | $14.13B | $14.03B | $13.83B | $12.59B | $12.80B | $8.63B |
| Total liabilities | $12.57B | $12.44B | $12.35B | $11.07B | $11.33B | $7.50B |
| Equity | $1.56B | $1.59B | $1.48B | $1.52B | $1.47B | $1.13B |
| EPS (diluted) | $0.44 | $2.73 | $3.68 | $4.98 | $2.18 | $3.25 |
| Shares out. | 44.9M | 44.7M | 45.1M | 47.1M | 34.9M | 35.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.3%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.0%
- Debt / equity
- 8.07×
- Book value / share
- $34.67
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −83.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- −0.5%clean
- Piotroski F-Score
- 3/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Dimensional Fund Advisors LpPassive (13G)Jul 15, 2025
- Blackrock, Inc.Passive (13G)Apr 17, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Mar 31, 2025 | 800,632 | 1.9 | -10.4% |
| Mar 14, 2025 | 893,640 | 3.4 | +7.4% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsApr 1, 2025
- Shareholder vote · Other material eventFeb 5, 2025
- Results of operationsJan 28, 2025
- Other material eventJan 24, 2025
- Other material eventJan 14, 2025
- Director / officer changeJan 2, 2025
- Results of operationsOct 21, 2024
- Entered a material agreement · Regulation FD disclosureOct 21, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13G/AJul 15, 2025
- 13F-NTMay 13, 2025
- SCHEDULE 13G/AApr 17, 2025
- 15-12GApr 10, 2025
- 4/AFORM 4/AApr 3, 2025
- 4FORM 4Apr 3, 2025
- 4FORM 4Apr 3, 2025
- 4FORM 4Apr 3, 2025
- 4FORM 4Apr 3, 2025
- 4FORM 4Apr 3, 2025
- 4FORM 4Apr 3, 2025
- 4FORM 4Apr 3, 2025
- 4FORM 4Apr 2, 2025
- 4FORM 4Apr 2, 2025
- 4FORM 4Apr 2, 2025
Event-driven situations (1)
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