Signature Bank Logo

Signature Bank

SBNY

(2.8)
Stock Price

2,15 USD

0.6% ROA

8.4% ROE

0.19x PER

Market Cap.

125.948.000,00 USD

151.46% DER

35% Yield

47.04% NPM

Signature Bank Stock Analysis

Signature Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Signature Bank Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

ROE in an average range (8.4%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.6%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (0) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 DER

The stock is burdened with a heavy load of debt (151%), making it financially unstable and potentially risky for investors.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Signature Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Signature Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Sell
4 Stoch RSI Hold

Signature Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Signature Bank Revenue
Year Revenue Growth
2001 2.599.000
2002 8.340.000 68.84%
2003 37.381.000 77.69%
2004 89.914.000 58.43%
2005 117.820.000 23.69%
2006 143.376.000 17.82%
2007 21.062.000 -580.73%
2008 239.459.000 91.2%
2009 298.349.000 19.74%
2010 387.506.000 23.01%
2011 501.825.000 22.78%
2012 586.045.000 14.37%
2013 680.354.000 13.86%
2014 836.133.000 18.63%
2015 1.014.205.000 17.56%
2016 1.189.992.000 14.77%
2017 1.273.627.000 6.57%
2018 1.322.265.000 3.68%
2019 1.339.541.000 1.29%
2020 1.594.340.000 15.98%
2021 2.001.416.000 20.34%
2022 2.735.596.000 26.84%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Signature Bank Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Signature Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 34.597.000 100%
2005 52.127.000 33.63%
2006 49.231.000 -5.88%
2007 59.464.000 17.21%
2008 110.516.000 46.19%
2009 135.843.000 18.64%
2010 150.035.000 9.46%
2011 166.421.000 9.85%
2012 200.949.000 17.18%
2013 227.496.000 11.67%
2014 270.754.000 15.98%
2015 305.730.000 11.44%
2016 337.960.000 9.54%
2017 390.904.000 13.54%
2018 438.269.000 10.81%
2019 471.747.000 7.1%
2020 551.397.000 14.45%
2021 626.138.000 11.94%
2022 839.672.000 25.43%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Signature Bank EBITDA
Year EBITDA Growth
2001 -21.137.000
2002 -5.727.000 -269.08%
2003 13.088.000 143.76%
2004 68.067.000 80.77%
2005 109.713.000 37.96%
2006 189.912.000 42.23%
2007 210.380.000 9.73%
2008 204.979.000 -2.63%
2009 233.562.000 12.24%
2010 303.693.000 23.09%
2011 394.065.000 22.93%
2012 444.056.000 11.26%
2013 506.561.000 12.34%
2014 643.805.000 21.32%
2015 766.968.000 16.06%
2016 837.442.000 8.42%
2017 820.040.000 -2.12%
2018 1.097.403.000 25.27%
2019 807.783.000 -35.85%
2020 752.876.000 -7.29%
2021 1.268.779.000 40.66%
2022 3.728.852.000 65.97%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Signature Bank Gross Profit
Year Gross Profit Growth
2001 2.599.000
2002 8.340.000 68.84%
2003 37.381.000 77.69%
2004 89.914.000 58.43%
2005 117.820.000 23.69%
2006 143.376.000 17.82%
2007 21.062.000 -580.73%
2008 239.459.000 91.2%
2009 298.349.000 19.74%
2010 387.506.000 23.01%
2011 501.825.000 22.78%
2012 586.045.000 14.37%
2013 680.354.000 13.86%
2014 836.133.000 18.63%
2015 1.014.205.000 17.56%
2016 1.189.992.000 14.77%
2017 1.273.627.000 6.57%
2018 1.322.265.000 3.68%
2019 1.339.541.000 1.29%
2020 1.594.340.000 15.98%
2021 2.001.416.000 20.34%
2022 2.735.596.000 26.84%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Signature Bank Net Profit
Year Net Profit Growth
2001 -22.821.000
2002 -12.117.000 -88.34%
2003 2.537.000 577.61%
2004 29.798.000 91.49%
2005 15.869.000 -87.77%
2006 33.360.000 52.43%
2007 27.279.000 -22.29%
2008 43.359.000 37.09%
2009 62.726.000 30.88%
2010 102.051.000 38.53%
2011 149.526.000 31.75%
2012 185.483.000 19.39%
2013 228.744.000 18.91%
2014 296.704.000 22.9%
2015 373.065.000 20.47%
2016 396.324.000 5.87%
2017 387.209.000 -2.35%
2018 505.342.000 23.38%
2019 588.926.000 14.19%
2020 528.359.000 -11.46%
2021 918.441.000 42.47%
2022 1.203.384.000 23.68%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Signature Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 -1
2002 0 0%
2003 0 0%
2004 1 100%
2005 1 0%
2006 1 100%
2007 1 0%
2008 1 100%
2009 1 0%
2010 2 50%
2011 3 33.33%
2012 4 0%
2013 5 25%
2014 6 33.33%
2015 7 14.29%
2016 7 0%
2017 7 0%
2018 9 22.22%
2019 11 10%
2020 10 0%
2021 15 33.33%
2022 19 21.05%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Signature Bank Free Cashflow
Year Free Cashflow Growth
2004 55.928.000
2005 -83.414.000 167.05%
2006 63.259.000 231.86%
2007 -31.629.000 300%
2008 47.101.000 167.15%
2009 -2.446.000 2025.63%
2010 44.872.000 105.45%
2011 161.888.000 72.28%
2012 372.397.000 56.53%
2013 190.147.000 -95.85%
2014 407.305.000 53.32%
2015 551.112.000 26.09%
2016 522.603.000 -5.46%
2017 467.910.000 -11.69%
2018 640.076.000 26.9%
2019 745.487.000 14.14%
2020 869.321.000 14.24%
2021 847.446.000 -2.58%
2022 75.121.000 -1028.11%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Signature Bank Operating Cashflow
Year Operating Cashflow Growth
2004 60.754.000
2005 -77.787.000 178.1%
2006 70.629.000 210.13%
2007 -22.809.000 409.65%
2008 57.793.000 139.47%
2009 1.530.000 -3677.32%
2010 48.238.000 96.83%
2011 169.188.000 71.49%
2012 380.946.000 55.59%
2013 202.506.000 -88.12%
2014 420.874.000 51.88%
2015 563.321.000 25.29%
2016 539.226.000 -4.47%
2017 490.976.000 -9.83%
2018 651.563.000 24.65%
2019 778.424.000 16.3%
2020 904.363.000 13.93%
2021 879.642.000 -2.81%
2022 85.731.000 -926.05%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Signature Bank Capital Expenditure
Year Capital Expenditure Growth
2004 4.826.000
2005 5.627.000 14.23%
2006 7.370.000 23.65%
2007 8.820.000 16.44%
2008 10.692.000 17.51%
2009 3.976.000 -168.91%
2010 3.366.000 -18.12%
2011 7.300.000 53.89%
2012 8.549.000 14.61%
2013 12.359.000 30.83%
2014 13.569.000 8.92%
2015 12.209.000 -11.14%
2016 16.623.000 26.55%
2017 23.066.000 27.93%
2018 11.487.000 -100.8%
2019 32.937.000 65.12%
2020 35.042.000 6.01%
2021 32.196.000 -8.84%
2022 10.610.000 -203.45%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Signature Bank Equity
Year Equity Growth
2002 95.973.000
2003 153.773.000 37.59%
2004 338.919.000 54.63%
2005 350.982.000 3.44%
2006 392.598.000 10.6%
2007 425.756.000 7.79%
2008 698.135.000 39.02%
2009 803.659.000 13.13%
2010 944.547.000 14.92%
2011 1.408.116.000 32.92%
2012 1.650.327.000 14.68%
2013 1.799.939.000 8.31%
2014 2.496.238.000 27.89%
2015 2.891.834.000 13.68%
2016 3.612.264.000 19.94%
2017 4.031.691.000 10.4%
2018 4.407.140.000 8.52%
2019 4.769.823.000 7.6%
2020 5.826.909.000 18.14%
2021 7.840.618.000 25.68%
2022 8.013.101.000 2.15%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Signature Bank Assets
Year Assets Growth
2002 1.088.812.000
2003 1.935.984.000 43.76%
2004 3.356.356.000 42.32%
2005 4.384.938.000 23.46%
2006 5.399.425.000 18.79%
2007 5.845.172.000 7.63%
2008 7.192.199.000 18.73%
2009 9.146.112.000 21.36%
2010 11.673.089.000 21.65%
2011 14.666.120.000 20.41%
2012 17.456.057.000 15.98%
2013 22.376.663.000 21.99%
2014 27.318.640.000 18.09%
2015 33.450.545.000 18.33%
2016 39.047.611.000 14.33%
2017 43.117.720.000 9.44%
2018 47.364.816.000 8.97%
2019 50.616.434.000 6.42%
2020 73.888.344.000 31.5%
2021 118.445.427.000 37.62%
2022 110.363.651.000 -7.32%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Signature Bank Liabilities
Year Liabilities Growth
2002 0
2003 0 0%
2004 3.017.437.000 100%
2005 4.033.956.000 25.2%
2006 5.006.827.000 19.43%
2007 5.419.416.000 7.61%
2008 6.494.064.000 16.55%
2009 8.342.453.000 22.16%
2010 10.728.542.000 22.24%
2011 675.000.000 -1489.41%
2012 590.000.000 -14.41%
2013 2.305.313.000 74.41%
2014 1.335.163.000 -72.66%
2015 2.720.163.000 50.92%
2016 2.307.488.000 -17.88%
2017 4.452.381.000 48.17%
2018 42.957.676.000 89.64%
2019 4.840.850.000 -787.4%
2020 3.933.187.000 -23.08%
2021 3.464.133.000 -13.54%
2022 102.350.550.000 96.62%

Signature Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
22.45
Net Income per Share
10.56
Price to Earning Ratio
0.19x
Price To Sales Ratio
0.09x
POCF Ratio
0.18
PFCF Ratio
0.18
Price to Book Ratio
0.02
EV to Sales
4.5
EV Over EBITDA
3.7
EV to Operating CashFlow
8.92
EV to FreeCashFlow
9.24
Earnings Yield
5.28
FreeCashFlow Yield
5.42
Market Cap
0,13 Bil.
Enterprise Value
6,31 Bil.
Graham Number
174.61
Graham NetNet
-1240.62

Income Statement Metrics

Net Income per Share
10.56
Income Quality
1.07
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.76
EBT Per Ebit
0.51
Ebit per Revenue
1.21
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.29
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1
Operating Profit Margin
1.21
Pretax Profit Margin
0.62
Net Profit Margin
0.47

Dividends

Dividend Yield
0.35
Dividend Yield %
35
Payout Ratio
0.13
Dividend Per Share
0.7

Operating Metrics

Operating Cashflow per Share
11.33
Free CashFlow per Share
10.94
Capex to Operating CashFlow
-0.03
Capex to Revenue
-0.02
Capex to Depreciation
-2.07
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
117.14
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
3.12
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.39

Balance Sheet

Cash per Share
393,16
Book Value per Share
128,33
Tangible Book Value per Share
128.33
Shareholders Equity per Share
128.33
Interest Debt per Share
207.53
Debt to Equity
1.51
Debt to Assets
0.11
Net Debt to EBITDA
3.63
Current Ratio
0
Tangible Asset Value
8,01 Bil.
Net Current Asset Value
-77,35 Bil.
Invested Capital
1.51
Working Capital
25,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,43 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
96.36

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Signature Bank Dividends
Year Dividends Growth
2018 1
2019 2 50%
2020 2 0%
2021 2 0%
2022 2 0%
2023 1 0%

Signature Bank Profile

About Signature Bank

Signature Bank provides commercial banking products and services. It accepts various deposit products, including checking accounts, money market accounts, escrow deposit accounts, cash concentration accounts, certificates of deposit, and other cash management products. The company provides various lending products comprising commercial and industrial loans, real estate loans, and letters of credit. In addition, it offers asset management and investment products; and retirement products, such as individual retirement accounts and administrative services for retirement vehicles. Further, the company provides wealth management services to its high net worth personal clients; and purchases, sells, and assembles small business administration loans and pools. Additionally, it offers individual and group insurance products, including health, life, disability, and long-term care insurance products for business and private clients. As of December 31, 2021, the company operated 37 private client offices located in the metropolitan New York area, Connecticut, California, and North Carolina. Signature Bank was incorporated in 2000 and is headquartered in New York, New York.

CEO
Mr. Joseph John DePaolo
Employee
2.243
Address
565 Fifth Avenue
New York, 10017

Signature Bank Executives & BODs

Signature Bank Executives & BODs
# Name Age
1 Mr. Stephen Wyremski
Senior Vice President & Chief Financial Officer
70
2 Mr. Scott Aaron Shay
Co-Founder & Executive Chairman
70
3 Mr. Vito Susca
Executive Vice President & Chief Admin. Officer
70
4 Mr. Michael Sharkey
Senior Vice President & Chief Technology Officer
70
5 Ms. Ana M. Harris
Senior Vice President & Chief HR Officer
70
6 Brian Wyremski
Senior Vice President and Director of Investor Relations & Corporation Devel.
70
7 Mr. Kevin T. Hickey
Executive Vice President, Chief Investment Officer & Treasurer
70
8 Mr. John Tamberlane
Co-Founder & Vice Chairman
70
9 Mr. Eric Raymond Howell
Pres, Chief Operating Officer & Director
70

Signature Bank Competitors