Sandy Spring Bancorp, Inc. SASR

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
50/100
Developing

Ranked against 399 peers in Banks - Regional

Key strengths

  • Industry-Leading Efficiency Operational efficiency is excellent (score 0.99).
  • Strong Net Interest Margin Net interest margin proxy is strong (score 0.99).

Key risks

  • Credit Quality Concerns Credit quality is concerning (asset quality score 0.00).
  • Revenue Concentration Risk Revenue concentration is concerning (growth stability 0.18).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
40
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where SASR ranks in Banks - Regional

Sandy Spring Bancorp, Inc. ranks #194 of 393 scored companies in Banks - Regional by moat score — the top 49%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
190 Lloyds Banking Group Plc LYG 50/100 Moderate
191 Civista Bancshares, Inc. CIVB 50/100 Moderate
192 Camden National Corporation CAC 50/100 Developing
193 CF Bankshares Inc. CFBK 50/100 Developing
194 Sandy Spring Bancorp, Inc. SASR 50/100 Developing
195 Bank of Marin Bancorp BMRC 50/100 Developing
196 C&F Financial Corporation CFFI 50/100 Developing
197 Community West Bancshares CWBC 50/100 Developing
198 Franklin Financial Services Cor FRAF 49/100 Developing

See every Banks & Lenders company ranked by moat score →

How SASR scores on the Bank Specialized defenses

Deposit Franchise

Score 40 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 63 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 33 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 99 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 29 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 8 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding SASR's moat

What is Sandy Spring Bancorp, Inc.'s moat score?

Sandy Spring Bancorp, Inc. (SASR) scores 50 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #194 of 393 scored companies in Banks - Regional, the top 49%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Cost Discipline (99/100) and its weakest is Risk Management (8/100).

How does Sandy Spring Bancorp, Inc. compare with other Banks - Regional companies?

Sandy Spring Bancorp, Inc. ranks #194 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are CF Bankshares Inc. (CFBK) at 50 just above it and Bank of Marin Bancorp (BMRC) at 50 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Sandy Spring Bancorp, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Sandy Spring Bancorp, Inc.?

The Bank Specialized template measures 6 defenses, and SASR scores: Deposit Franchise (40), Lending Advantage (63), Capital Strength (33), Cost Discipline (99), Revenue Diversification (29), Risk Management (8). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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