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Market Price

122.71 

1.78 1.5%

as of Oct 18 '19

52 Week Range:

98.54 137.94


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Signature Bank provides various business and personal banking products and services. It accepts various deposit products, including commercial checking accounts, money market accounts, escrow deposit accounts, cash concentration accounts, interest-bearing and non-interest-bearing checking accounts, certificates of deposit, time deposits, and other cash management products. The company also offers loan products comprising commercial and industrial loans; real estate loans, such as loans secured by commercial and residential properties, and construction and land loans; temporary financing for commercial and residential properties; letters of credit; and personal lines of credit and loans to acquire personal assets, as well as asset-based lending, mortgages, home equity loans, and credit card accounts. In addition, it provides investment, brokerage, and asset management products and services; retirement products, such as individual retirement accounts and administrative services for retirement vehicles, which include pension, profit sharing, and 401(k) plans to its clients, as well as business retirement accounts; and a range of financing and leasing products consisting of equipment, transportation, taxi medallion, commercial marine, and municipal and national franchise financing services. Further, the company offers wealth management services to its high net worth personal clients; and a range of individual and group insurance products that comprise health, life, disability, and long-term care insurance products as an agent. Additionally, it purchases, securitizes, and sells guaranteed portions of the U.S. small business administration loans. As of December 31, 2017, the company operated 30 private client offices located in the New York metropolitan area, which included Manhattan, Brooklyn, Westchester, Long Island, Queens, the Bronx, Staten Island, and Connecticut. Signature Bank was incorporated in 2000 and is headquartered in New York, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 16.71
19.79
22.84
29.56
34.94
37.23
47.73
55.43
65.22
71.52
77.00
growth rate 18.4% 15.4% 29.4% 18.2% 6.6% 28.2% 16.1% 17.7% 9.7% 7.7%
Earnings BIT 72.21
104.43
176.24
267.23
326.38
391.53
growth rate 44.6% 68.8% 51.6% 22.1% 20.0%
Avg.PE 21.23
24.21
20.08
17.83
18.21
22.57
21.11
19.55
20.98
20.62
13.64
growth rate 14.0% -17.1% -11.2% 2.1% 23.9% -6.5% -7.4% 7.3% -1.7% -33.9%
ROA 0.66
0.62
0.98
1.14
1.15
1.15
1.19
1.23
1.09
0.94
1.12
growth rate -6.1% 58.1% 16.3% 0.9% 0.0% 3.5% 3.4% -11.4% -13.8% 19.2%
ROE 8.47
7.26
11.67
12.71
12.13
13.26
13.81
13.85
12.19
10.13
11.95
growth rate -14.3% 60.7% 8.9% -4.6% 9.3% 4.2% 0.3% -12.0% -16.9% 18.0%
ROIC 16.16
12.68
13.80
12.70
11.91
9.40
9.49
growth rate -21.5% 8.8% -8.0% -6.2% -21.1% 1.0%
Leverage 12.21
11.38
12.36
10.42
10.58
12.43
10.94
11.57
10.81
10.69
10.75
growth rate -6.8% 8.6% -15.7% 1.5% 17.5% -12.0% 5.8% -6.6% -1.1% 0.6%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable
growth rate
Acct.Payable 22,620.28
26,773.92
31,861.26
33,439.83
36,378.77
growth rate 18.4% 19.0% 5.0% 8.8%
Cur.Assets 927.31
894.24
1,221.08
916.02
999.62
growth rate -3.6% 36.6% -25.0% 9.1%
Total Assets 7,192.20
9,146.10
11,673.10
14,666.10
17,456.10
22,376.70
27,318.64
33,450.55
39,047.61
43,117.72
47,364.82
growth rate 27.2% 27.6% 25.6% 19.0% 28.2% 22.1% 22.5% 16.7% 10.4% 9.9%
Cash 111.90
95.70
46.30
40.20
94.00
144.00
89.88
27.05
150.65
335.47
317.26
growth rate -14.5% -51.6% -13.2% 133.8% 53.2% -37.6% -69.9% 457.0% 122.7% -5.4%
Inventory 0.25
2.33
19.63
28.83
51.60
growth rate 849.4% 744.1% 46.9% 79.0%
Cur.Liabilities 22,866.49
27,888.04
33,096.76
34,632.88
41,353.57
growth rate 22.0% 18.7% 4.6% 19.4%
Liabilities 6,494.10
8,342.50
10,728.50
13,258.00
15,805.70
20,576.70
24,822.40
30,558.71
35,435.35
39,086.03
42,957.68
growth rate 28.5% 28.6% 23.6% 19.2% 30.2% 20.6% 23.1% 16.0% 10.3% 9.9%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
1,955.16
2,670.16
2,337.49
4,452.38
1,603.17
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -2.9% 36.6% -12.5% 90.5% -64.0%
Equity 698.10
803.70
944.50
1,408.10
1,650.30
1,799.90
2,496.24
2,891.83
3,612.26
4,031.69
4,407.14
growth rate 15.1% 17.5% 49.1% 17.2% 9.1% 38.7% 15.9% 24.9% 11.6% 9.3%
Common Shares 32.00
39.00
42.00
44.00
47.00
48.00
50.00
51.00
54.00
54.00
55.00
growth rate 21.9% 7.7% 4.8% 6.8% 2.1% 4.2% 2.0% 5.9% 0.0% 1.9%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 10.70
4.00
3.40
7.30
8.50
12.40
13.57
12.21
16.62
23.07
11.49
growth rate -62.6% -15.0% 114.7% 16.4% 45.9% 9.4% -10.0% 36.2% 38.8% -50.2%
Cash Dividends 0.00
1.80
0.00
0.00
0.00
0.00
62.01
62.01
62.01
62.01
growth rate -100.0% 0.0% 0.0% 0.0%
Cash From OA 57.80
1.60
47.80
169.20
380.90
202.50
420.87
538.93
565.00
546.01
651.56
growth rate -97.2% 2,887.5% 254.0% 125.1% -46.8% 107.8% 28.1% 4.8% -3.4% 19.3%
FCF per Share 1.48
-0.06
1.08
3.24
7.86
2.36
11.63
5.70
10.62
15.61
5.16
growth rate -100.0% 100.0% 200.0% 142.6% -70.0% 392.8% -51.0% 86.3% 47.0% -66.9%
Sale Purchase of Stock 296.03
0.34
318.79
growth rate -99.9% 92,840.5%
FCF 47.00
-2.00
45.00
162.00
372.00
190.00
407.00
551.00
523.00
468.00
640.00
growth rate -100.0% 100.0% 260.0% 129.6% -48.9% 114.2% 35.4% -5.1% -10.5% 36.8%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 222.90
297.00
387.50
501.80
586.00
680.40
805.02
969.29
1,034.22
1,010.33
1,159.74
growth rate 33.2% 30.5% 29.5% 16.8% 16.1% 18.3% 20.4% 6.7% -2.3% 14.8%
Op.Income 72.20
104.40
176.20
267.20
326.40
391.50
524.23
643.96
678.71
602.26
698.72
growth rate 44.6% 68.8% 51.7% 22.2% 19.9% 33.9% 22.8% 5.4% -11.3% 16.0%
IBT 72.21
104.43
176.24
267.23
326.38
511.78
628.08
657.45
575.26
673.46
growth rate 44.6% 68.8% 51.6% 22.1% 25.2% 22.7% 4.7% -12.5% 17.1%
Net Income 43.40
62.70
102.10
149.50
185.50
228.70
296.70
373.07
396.32
387.21
505.34
growth rate 44.5% 62.8% 46.4% 24.1% 23.3% 29.7% 25.7% 6.2% -2.3% 30.5%
EPS 1.35
1.30
2.46
3.37
3.91
4.76
5.95
7.27
7.37
7.12
9.23
growth rate -3.7% 89.2% 37.0% 16.0% 21.7% 25.0% 22.2% 1.4% -3.4% 29.6%
Gross Profit 805.02
969.29
1,034.22
1,010.33
1,159.74
growth rate 20.4% 6.7% -2.3% 14.8%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable
growth rate
Acct.Payable 34,993.74
36,091.23
36,378.77
36,622.59
37,540.46
growth rate 3.1% 0.8% 0.7% 2.5%
Cur.Assets 1,370.22
877.66
999.62
791.54
834.32
growth rate -36.0% 13.9% -20.8% 5.4%
Total Assets 45,215.48
45,870.71
47,364.82
48,546.45
48,876.88
growth rate 1.5% 3.3% 2.5% 0.7%
Cash 543.92
195.40
317.26
479.39
324.37
growth rate -64.1% 62.4% 51.1% -32.3%
Inventory 35.31
43.64
51.60
47.87
48.68
growth rate 23.6% 18.2% -7.2% 1.7%
Cur.Liabilities 36,014.34
37,148.62
41,353.57
38,263.39
38,349.24
growth rate 3.2% 11.3% -7.5% 0.2%
Liabilities 41,067.86
41,632.71
42,957.68
43,994.41
44,215.15
growth rate 1.4% 3.2% 2.4% 0.5%
LT Debt 5,052.77
4,467.97
1,603.17
5,485.73
5,620.93
growth rate -11.6% -64.1% 242.2% 2.5%
Equity 4,147.62
4,238.00
4,407.14
4,552.04
4,661.72
growth rate 2.2% 4.0% 3.3% 2.4%
Common Shares 0.55
0.55
0.55
0.55
0.55
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 7.87
6.39
-6.66
5.22
7.12
growth rate -18.9% -100.0% 100.0% 36.6%
Cash Dividends 30.99
30.99
31.01
30.84
30.93
growth rate 0.0% 0.1% -0.6% 0.3%
Cash From OA 145.68
206.27
206.06
487.63
164.12
growth rate 41.6% -0.1% 136.7% -66.3%
Sale Purchase of Stock
growth rate
FCF 137.81
199.88
199.40
482.41
157.00
growth rate 45.0% -0.2% 141.9% -67.5%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 318.66
321.99
334.51
318.77
329.48
growth rate 1.1% 3.9% -4.7% 3.4%
Op.Income 213.51
211.85
219.12
196.89
200.75
growth rate -0.8% 3.4% -10.1% 2.0%
IBT 206.06
204.78
215.37
193.71
197.59
growth rate -0.6% 5.2% -10.1% 2.0%
Net Income 154.59
155.45
160.84
144.07
147.91
growth rate 0.6% 3.5% -10.4% 2.7%
EPS
growth rate
Gross Profit 318.66
321.99
334.51
318.77
329.48
growth rate 1.1% 3.9% -4.7% 3.4%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (91.40)

YOY Growth Grade:

B (68.63)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.57 11.04 10.20
EPS / Growth 15.7% 11.12 12.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 16.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 12.0% 14.8% 14.8%
Future PE 10.20 10.45 16.80
Future EPS 34.53 44.24 44.24
Value Price
MOS %
87.04
-29.1%
114.22
-6.9%
183.66
49.7%
MOS Price 43.52 57.11 91.83
IRT 6.88 6.39 6.39

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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