STERLING BANCORP's gross profit margin for the first quarter of its fiscal year 2015 is essentially unchanged when compared to the same period a year ago. The company grew its sales and net income significantly quarter versus same quarter a year prior, and was able to outpace the average competitor in the industry when comparing revenue growth, but not when comparing net income growth.
During the same period, stockholders' equity ("net worth") has increased by 5.41% from the same quarter last year.
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|Income Statement||Q1 FY15||Q1 FY14|
|Net Sales ($mil)||82.04||61.86|
|Net Income ($mil)||17.0||-14.0|
|Balance Sheet||Q1 FY15||Q1 FY14|
|Cash & Equiv. ($mil)||121.52||152.66|
|Total Assets ($mil)||7424.82||6667.44|
|Total Debt ($mil)||1111.55||696.27|
|Profitability||Q1 FY15||Q1 FY14|
|Gross Profit Margin||86.78||84.1|
|Return on Assets||0.79||0.06|
|Return on Equity||6.01||0.45|
|Debt||Q1 FY15||Q1 FY14|
|Share Data||Q1 FY15||Q1 FY14|
|Shares outstanding (mil)||83.93||83.96|
|Div / share||0.07||0.06|
|Book value / share||11.62||11.02|
|Institutional Own %||n/a||n/a|
|Avg Daily Volume||589472.0||404513.0|
BUY. The current P/E ratio indicates a premium compared to an average of 15.93 for the Commercial Banks industry and a value on par with the S&P 500 average of 19.41. Conducting a second comparison, its price-to-book ratio of 1.15 indicates a significant discount versus the S&P 500 average of 2.74 and a discount versus the industry average of 1.17. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium. The valuation analysis reveals that, STERLING BANCORP seems to be trading at a premium to investment alternatives within the industry.
|STL 19.39||Peers 15.93||STL 11.54||Peers 8.84|
Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.
STL is trading at a premium to its peers.
Premium. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.
STL is trading at a significant premium to its peers.
|STL 13.05||Peers 36.04||STL 0.12||Peers 1.12|
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.
STL is trading at a significant discount to its peers.
Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.
STL trades at a significant discount to its peers.
|STL 1.15||Peers 1.17||STL 213.63||Peers 14.90|
Average. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.
STL is trading at a valuation on par with its peers.
Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.
STL is expected to have an earnings growth rate that significantly exceeds its peers.
|STL 3.57||Peers 2.36||STL 73.91||Peers 0.03|
Premium. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.
STL is trading at a significant premium to its industry.
Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.
STL has a sales growth rate that significantly exceeds its peers.
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