Signature Bank (SBNY) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Signature Bank $0.35, price $0.30, upside +15.9%, quality 37 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $0.0022 – $360.05 · fair‑value band $0.3008 – $0.5743 · the $0.3000 price screens below the $0.3477 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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As of March 12, 2023, Signature Bank went out of business. Previously, the company provided digital assets banking services and comprised of certain loan portfolios. The company was incorporated in 2000 and is based in New York, New York. Signature Bank now trades on OTCPK.
Stock analysis
Signature Bank (SBNY) currently trades at $0.3000, while our model-based Fair Value estimate is $0.3477, implying the stock looks roughly 13.7% undervalued today.
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Valuation
How firm this estimate is: it rests on 24 models at a data quality of 88/100, which puts the evidence level at low.
Scenario range: $0.3008 (bear) to $0.5743 (bull), the price of $0.3000 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Signature Bank reported revenue of $3.7B in FY2022 versus $1.8B in FY2018, a compound +20.5%/yr. Reported net income was $1.3B in FY2022, compounding +27.5%/yr from FY2018.
Key figures
Market cap $59.8M · P/E ratio 0.2 · P/S ratio 0.06 · EPS (TTM) $5.78 · Net margin 36.0% · Return on equity 16.9% · Return on assets (EBIT) 1.3% · Operating margin 64.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 22 out of 100 (medium confidence).
What moves the price
The share trades about 80% below its 52-week high and 114% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 16%, SBNY screens cheaper than that median.
Fair Value models
Bear $0.3008Fair Value $0.3477Bull $0.5743
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+60.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.9%
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+41.3%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+23.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.2%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.24% vs 19%, picking up
Profit margin 2017 to 2022 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.63% → 47%
2022 sits 97% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside+16% · Above median
Profitability
Return on equity (TTM)17% · Top 25%
Return on assets1% · Above median
Net margin (TTM)51% · Top 25%
Operating margin (TTM)65% · Top 25%
Growth and dividend
Revenue growth14% · Above median
Balance sheet
Debt / equity1.48× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Signature Bank Fair Value". https://www.fairvalue-calculator.com/stock/SBNY
Frequently asked questions
Is Signature Bank (SBNY) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $0.3477 versus a price of $0.3000, about +16% upside (undervalued).
What is the fair value of SBNY?
Our model-based fair value for Signature Bank is $0.3477 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.3000.
What is the quality score of SBNY?
Signature Bank has a Quality Score of 37/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Signature Bank (SBNY)?
Our model-based price target is the fair value of $0.3477 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $0.3008, optimistic scenario $0.5743. It is a calculation from audited fundamentals, not an analyst target.
What is the Signature Bank stock forecast for 2026?
Our models put fair value at $0.3477, about +16% upside versus a price of $0.3000 (undervalued). Cautious scenario $0.3008, optimistic scenario $0.5743. The calculation is refreshed regularly with new filings.
What is the revenue of Signature Bank (SBNY)?
Signature Bank reported trailing-twelve-month revenue of about $2.6B (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Signature Bank (SBNY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Signature Bank it is $0.3477 per share (as of Sep 23, 2026), against a price of $0.3000. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Signature Bank stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SBNY trades below its calculated fair value: price $0.3000, fair value $0.3477, a gap of about +16% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SBNY?
No. The price is what the market pays today ($0.3000); the fair value is what the company's own numbers justify ($0.3477). For Signature Bank the two are $0.0477 per share apart. That gap is exactly why we show both numbers side by side.
How much is Signature Bank worth?
The market values Signature Bank at about $59.8M (market capitalisation, as of Sep 23, 2026). Per share that is $0.3000; our models calculate a fair value of $0.3477 per share.
What do the bullish and bearish scenarios say about SBNY?
Our models span a range for Signature Bank: cautious scenario $0.3008, base $0.3477, optimistic $0.5743 per share (as of Sep 23, 2026, price $0.3000). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SBNY?
Signature Bank trades at a price-to-earnings ratio of 0.2 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.3477 is built from several models across several years. Other multiples: PEG 0.2, P/S 0.0, EV/EBITDA 3.4.
What is the PEG ratio of SBNY?
The PEG ratio of Signature Bank is 0.20 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Signature Bank (SBNY)?
Balance-sheet figures for Signature Bank (as of Sep 23, 2026): return on equity 16.9%, debt of 1.48 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is SBNY from its 52-week high?
Signature Bank trades at $0.3000, about 80% below its 52-week high of $1.48 and 114% above the low of $0.1400 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $0.3477 is for.
Which stocks are comparable to Signature Bank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Signature Bank stock attractive at the current price?
The data as of Sep 23, 2026: price $0.3000, calculated fair value $0.3477 (+16%), Quality Score 37/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SBNY calculated?
We run Signature Bank through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.3477, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Signature Bank currently trades 16 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Signature Bank (SBNY)?
The closing price on Sep 23, 2026 was $0.3000. Our model-based fair value is $0.3477, about +16% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Signature Bank right now?
A fairly wide model range ($0.3008 to $0.5743) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Signature Bank (SBNY) come from?
Earnings per share at Signature Bank grew +16.5 % a year from 2011 to 2022. Broken into its drivers: revenue per share +13.2 %, EBIT margin −0.1 %, tax rate +3.0 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Signature Bank
How large is the market capitalisation of Signature Bank (SBNY)?
The market capitalisation of Signature Bank is $59.8M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Signature Bank (SBNY)?
The price-to-sales ratio of Signature Bank is 0.06 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Signature Bank (SBNY)?
Earnings per share at Signature Bank are $5.78 (price ÷ EPS = P/E 0.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Signature Bank (SBNY)?
The net margin of Signature Bank is 36.0% (fiscal year 2022). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Signature Bank (SBNY)?
The return on equity (ROE) of Signature Bank is 16.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Signature Bank (SBNY)?
On an EBIT basis the return on assets of Signature Bank is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Signature Bank (SBNY)?
The operating margin of Signature Bank is 64.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Signature Bank (SBNY)?
Revenue at Signature Bank is growing +14.0% versus a year earlier (3y avg +23.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Signature Bank (SBNY)?
Earnings per share at Signature Bank are growing +7.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Signature Bank (SBNY) generate?
The free cash flow of Signature Bank is $897M (fiscal year 2022). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Signature Bank (SBNY) carry?
The net debt of Signature Bank is $6.3B (fiscal year 2022, ≈ 7.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 23, 2026