Signature Bank (SBNY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Signature Bank (SBNY) trades at $0.34 with AI Score 60/100 (Grade B+). Signature Bank provides commercial banking products and services, including deposit and lending products, wealth management, and insurance. Market cap: $37.32M, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for SBNY: SBNY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SBNY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
SBNY: 3/4 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Signature Bank (SBNY) Financial Services Profile
Signature Bank, a regional bank incorporated in 2000, offers commercial banking products and services, including deposit accounts, loans, and wealth management. Operating 37 private client offices across the metropolitan New York area, Connecticut, California, and North Carolina, Signature Bank focuses on serving high-net-worth individuals and businesses, distinguishing itself through personalized service.
What Is the Investment Thesis for SBNY?
Signature Bank presents a mixed investment case. The bank's high beta of 9.39 indicates significant volatility, while a low P/E ratio of 0.04 might suggest undervaluation, although this needs to be carefully assessed in light of the bank's OTC status and potential risks. The profit margin of 36.0% and gross margin of 70.5% demonstrate strong profitability, but the absence of a dividend yield may deter income-focused investors. Potential growth catalysts include expansion of its private client office network and increased adoption of its wealth management services. However, investors should carefully consider the risks associated with OTC trading, including liquidity constraints and disclosure requirements. The bank's ability to navigate regulatory changes and maintain asset quality will be crucial for sustained performance.
Based on FMP financials and quantitative analysis
SBNY Key Highlights
- Market capitalization of $37.32M reflects its current valuation in the OTC market.
- A P/E ratio of 0.04 suggests potential undervaluation, but requires careful analysis due to OTC trading risks.
- Profit margin of 36.0% indicates strong profitability compared to some regional banking peers.
- Gross margin of 70.5% highlights efficient operations and revenue generation.
- Beta of 9.39 indicates high volatility, reflecting sensitivity to market fluctuations.
Who Are SBNY's Competitors?
SBNY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CULL Cullman Bancorp, Inc. | $15.60 | +0.00% | $89.65M | 49 |
| CZBT Citizens Bancorp of Virginia, Inc. | $39.75 | +3.01% | $83.79M | 53 |
| DWNX Delhi Bank Corp. | $20.90 | -0.00% | $70.86M | 53 |
| JUVF Juniata Valley Financial Corp. | $15.30 | -0.55% | $77.00M | 53 |
| MBOF Marine Bancorp of Florida, Inc. | $43.75 | +0.00% | $79.99M | 45 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SBNY's Key Strengths?
- Strong presence in key metropolitan areas
- Comprehensive range of banking products and services
- Focus on high-net-worth clients
- Experienced management team
What Are SBNY's Weaknesses?
- OTC market trading limits liquidity
- High beta indicates significant volatility
- Reliance on specific geographic markets
- Potential exposure to regulatory changes
What Could Drive SBNY Stock Higher?
- Potential expansion into new geographic markets to increase client base.
- Continued focus on wealth management services to drive fee income.
- Strategic partnerships with fintech companies to enhance digital banking capabilities.
What Are the Key Risks for SBNY?
- Financial-distress signal — its Altman Z-Score of -0.57 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger banks and fintech companies.
- Economic downturn impacting loan quality and profitability.
- Regulatory changes increasing compliance costs.
- OTC market trading limitations and volatility.
- Liquidity risks associated with OTC trading.
What Are the Growth Opportunities for SBNY?
- Expansion of Private Client Offices: Signature Bank can expand its network of private client offices beyond its current locations in the metropolitan New York area, Connecticut, California, and North Carolina. Entering new markets with high concentrations of high-net-worth individuals and businesses could drive significant growth in deposits, loans, and wealth management assets. This expansion could target major metropolitan areas in the Southeast and Southwest, with a potential market size of $500 billion in deposits and loans over the next 5 years.
- Increased Adoption of Wealth Management Services: Signature Bank can further promote its wealth management services to its existing client base and attract new high-net-worth clients. By offering personalized financial planning, investment management, and estate planning services, the bank can increase its assets under management and generate recurring fee income. The wealth management market is projected to grow at a rate of 8% annually, reaching $100 trillion globally by 2030, providing a substantial opportunity for Signature Bank.
- Strategic Partnerships with Fintech Companies: Signature Bank can partner with fintech companies to enhance its digital banking capabilities and offer innovative financial products and services. Collaborating with fintech firms specializing in areas such as online lending, mobile payments, and robo-advisory could attract younger, tech-savvy clients and improve operational efficiency. The fintech market is expected to reach $500 billion by 2028, offering numerous partnership opportunities for Signature Bank.
- Focus on Small Business Administration (SBA) Loans: Signature Bank can expand its SBA lending program to support small businesses and generate attractive returns. By purchasing, selling, and assembling SBA loans and pools, the bank can diversify its loan portfolio and capitalize on government-guaranteed lending opportunities. The SBA loan market is projected to grow at a rate of 5% annually, reaching $50 billion by 2027, providing a stable source of revenue for Signature Bank.
- Development of Specialized Banking Solutions for Specific Industries: Signature Bank can develop specialized banking solutions tailored to the unique needs of specific industries, such as healthcare, technology, and real estate. By offering industry-specific lending products, deposit accounts, and cash management services, the bank can attract clients in these sectors and establish a competitive advantage. The market for specialized banking solutions is estimated at $200 billion, offering a significant growth opportunity for Signature Bank.
What Opportunities Does SBNY Have?
- Expansion into new geographic markets
- Increased adoption of wealth management services
- Strategic partnerships with fintech companies
- Growth in SBA lending
What Threats Does SBNY Face?
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan quality
- Rising interest rates affecting profitability
- Regulatory changes increasing compliance costs
What Are SBNY's Competitive Advantages?
- Established presence in the metropolitan New York area
- Strong relationships with high-net-worth clients
- Expertise in commercial and industrial lending
- Comprehensive suite of financial products and services
What Does SBNY Do?
Signature Bank, established in 2000 and headquartered in New York City, operates as a commercial bank providing a range of financial products and services. The bank's core offerings include deposit products such as checking, money market, and certificate of deposit accounts, alongside lending solutions encompassing commercial and industrial loans, real estate loans, and letters of credit. Signature Bank also provides asset management and investment products, retirement solutions, and wealth management services tailored to high-net-worth clients. Signature Bank has strategically expanded its presence, operating 37 private client offices located in the metropolitan New York area, Connecticut, California, and North Carolina as of December 31, 2021. This geographic footprint enables the bank to serve a diverse clientele and capitalize on regional economic opportunities. The bank's focus on personalized service and comprehensive financial solutions has positioned it as a key player in the regional banking sector, catering to the specific needs of businesses and high-net-worth individuals.
What Products and Services Does SBNY Offer?
- Provides checking and money market accounts
- Offers commercial and industrial loans
- Provides real estate loans
- Issues letters of credit
- Offers asset management and investment products
- Provides retirement products like IRAs
- Offers wealth management services to high-net-worth clients
- Provides individual and group insurance products
How Does SBNY Make Money?
- Generates revenue from interest income on loans
- Earns fees from wealth management and investment products
- Collects service charges on deposit accounts
- Profits from the sale of SBA loans and pools
What Industry Does SBNY Operate In?
Signature Bank operates within the regional banking sector, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by factors such as interest rate fluctuations, economic growth, and technological advancements. Signature Bank's focus on serving high-net-worth individuals and businesses positions it within a niche segment of the market. Competitors include other regional banks such as CULL, CZBT, DWNX, JUVF, and MBOF, as well as larger national banks and wealth management firms. The industry is also experiencing disruption from fintech companies, which are introducing innovative financial products and services.
Who Are SBNY's Key Customers?
- Commercial and industrial businesses
- High-net-worth individuals
- Small business owners
- Real estate developers
6/7 beatsEarnings Track Record
Signature Bank has beaten Wall Street's EPS estimate in 6 of its last 7 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 5.4% above estimates on average.
F-Score 6/9Financial Health
Signature Bank's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.57 places it in the distress zone, a signal of elevated financial risk.
ROE 17%Key Financial Metrics
Return on equity for Signature Bank stands at 16.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. SBNY trades at a trailing price-to-earnings ratio of 0.02, below the Financial Services sector average of ~18x. A current ratio of 0.28 means current liabilities exceed short-term assets, a liquidity point worth watching.
Signature Bank (SBNY) Valuation Context
Valued at $37.32M, SBNY is classified as a micro-cap stock. Relative to its peer group, SBNY's quantitative score of 60/100 is roughly in line with the peer average of 51/100.
Company Profile
Signature Bank operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in New York City, US. The company is led by CEO Joseph John DePaolo. SBNY has traded publicly since 2004.
SBNY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong presence in key metropolitan areas
- Comprehensive range of banking products and services
- Focus on high-net-worth clients
- Experienced management team
Bear Case
- OTC market trading limits liquidity
- High beta indicates significant volatility
- Reliance on specific geographic markets
- Potential exposure to regulatory changes
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
SBNY Latest News
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SBNY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SBNY.
Price Targets
Wall Street price target analysis for SBNY.
SBNY MoonshotScore
What does this score mean?
The MoonshotScore rates SBNY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Joseph John DePaolo
CEO
Joseph John DePaolo serves as the CEO of Signature Bank, managing a workforce of 2243 employees. His career reflects extensive experience in the banking sector. He has been instrumental in guiding Signature Bank's strategic direction and growth initiatives. DePaolo's leadership is characterized by a focus on client service and prudent risk management. His expertise spans commercial banking, wealth management, and financial services, making him a key figure in the bank's operations.
Track Record: Under Joseph John DePaolo's leadership, Signature Bank has expanded its private client office network and enhanced its wealth management services. He has overseen the bank's growth in key metropolitan areas and navigated evolving regulatory landscapes. His strategic decisions have contributed to the bank's profitability and market position, despite recent challenges. DePaolo's focus on client relationships has been a key driver of the bank's success.
SBNY OTC Market Information
The OTC Other tier represents the lowest tier of the OTC Markets, indicating that Signature Bank (SBNY) may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited financial disclosure and may not be subject to the same regulatory oversight as exchange-listed companies. Investing in OTC Other stocks carries higher risks due to the potential for less transparency and greater price volatility. This tier is often populated by shell companies, bankrupt entities, or companies with regulatory issues.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Financial Disclosure: OTC companies may not be required to provide the same level of detailed financial reporting as exchange-listed companies, making it harder to assess their financial health.
- Lower Liquidity: Trading volumes on the OTC market are generally lower, leading to wider bid-ask spreads and potential difficulties in buying or selling shares.
- Increased Volatility: OTC stocks are often more volatile due to lower trading volumes and less regulatory oversight.
- Potential for Fraud: The OTC market has a higher risk of fraud and scams due to less stringent listing requirements.
- Regulatory Scrutiny: OTC companies may face increased regulatory scrutiny, which could negatively impact their operations and stock price.
- Verify the company's legal standing and registration.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Check for any regulatory actions or legal issues.
- Understand the risks associated with OTC trading.
- Consult with a financial advisor before investing.
- Established history of operations (incorporated in 2000)
- Presence of physical office locations (37 private client offices)
- Provision of regulated financial services (commercial banking)
- Existence of a management team (CEO Joseph John DePaolo)
- Employee base of 2243 indicates operational scale
Common Questions About SBNY (Financial Services)
What does Signature Bank do?
Signature Bank operates as a commercial bank, offering a range of financial products and services to businesses and high-net-worth individuals. Its core business includes accepting deposits through checking, money market, and certificate of deposit accounts. The bank also provides lending solutions, such as commercial and industrial loans, real estate loans, and letters of credit. Additionally, Signature Bank offers wealth management services, investment products, and retirement solutions, tailoring its offerings to meet the specific needs of its clientele. The bank operates 37 private client offices across the metropolitan New York area, Connecticut, California, and North Carolina.
What are the main risks for SBNY?
Signature Bank faces several risks, including increased competition from larger banks and fintech companies, which could erode its market share. An economic downturn could negatively impact loan quality and profitability, leading to increased loan losses. Regulatory changes could increase compliance costs and restrict the bank's operations. Trading on the OTC market poses liquidity risks and increased volatility. Additionally, the bank's reliance on specific geographic markets makes it vulnerable to regional economic conditions. Investors should carefully consider these risks before investing in SBNY.
What are the key factors to evaluate for SBNY?
Signature Bank (SBNY) holds an AI score of 60/100 (moderate). Not financial advice.
How frequently does SBNY data refresh on this page?
SBNY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven SBNY's recent stock price performance?
Signature Bank (SBNY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in key metropolitan areas. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SBNY overvalued or undervalued right now?
Valuing Signature Bank (SBNY) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying SBNY?
Before investing in Signature Bank (SBNY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding SBNY to a portfolio?
Key strength of Signature Bank (SBNY): Strong presence in key metropolitan areas. Its MoonshotScore of 60/100 reflects solid quantitative fundamentals. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.
- AI analysis is pending and may provide additional insights.