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TelegramSignature Bank Financial Ratios 2020-2011 | SBNY
Brief overview of Signature Bank's multiples and efficiency
Ratios are assessed across five available annual reports in the 2016–2020 interval.
Key multiples at the end of the period are P/E 16.46x (median 16.46x), P/B 1.49x (median 1.64x), P/CF 10x (median 10.81x). The multiple basket looks neutral against its history, differing from median levels by roughly -7.4%.
The inverse P/E implies an earnings yield of 6.1%. This is not a dividend yield, but current earnings relative to market price.
Capital efficiency is characterized by ROE 9.1%, ROA 0.7%. Efficiency ratios are restrained, with capital and assets producing modest returns.
PEG of 0.74x shows valuation is not outpacing embedded growth. The conclusion depends on earnings durability.
For financial institutions, P/B, ROE and ROA are particularly relevant, while EV/EBITDA and ordinary liquidity ratios have limited comparability.
Overall picture
Signature Bank trades near its familiar ratio range. A new earnings or profitability trend is needed to change the view.
Annual Financial Ratios Signature Bank
| 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E |
16.5 | 13.3 | 13.7 | 21.3 | 21.2 | 19.0 | 19.4 | 25.2 | 18.6 | 17.0 |
P/S |
5.5 | 5.8 | 5.2 | 6.5 | 7.1 | 7.0 | 6.9 | 8.5 | 5.9 | 5.1 |
EV/EBITDA |
- | - | - | - | - | - | - | 19.8 | - | - |
PEG |
-1.95 | 0.74 | 0.47 | -6.32 | 22.26 | 0.88 | 0.77 | 1.16 | 1.16 | 0.45 |
P/B |
1.5 | 1.6 | 1.6 | 2.0 | 2.3 | 2.4 | 2.3 | 3.2 | 2.1 | 1.8 |
P/CF |
10.0 | 10.5 | 10.8 | 17.6 | 16.1 | 12.8 | 14.1 | 30.3 | 9.3 | 15.7 |
ROE % |
9.07 | 12.35 | 11.47 | 9.60 | 10.97 | 12.90 | 11.89 | 12.71 | 11.24 | 10.62 |
ROA % |
0.72 | 1.16 | 1.07 | 0.90 | 1.01 | 1.12 | 1.09 | 1.02 | 1.06 | 1.02 |
DSO |
63.6 | 40.2 | 39.2 | 33.6 | 31.6 | 33.8 | 34.8 | 38.4 | 40.1 | 44.0 |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Signature Bank, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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