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Sterling Bancorp
STL : NYSE : Financial
$14.05 | %
Today's Range: 0.00 - 0.00
Avg. Daily Volume: 396,300
12/18/14 - 4:03 PM ET

Financial Analysis


STERLING BANCORP/NY's gross profit margin for the second quarter of its fiscal year 2013 has increased when compared to the same period a year ago. Even though sales increased, the net income has decreased.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 2.60% from the same quarter last year.

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Income Statement Q2 FY13 Q2 FY12
Net Sales ($mil)36.7536.16
EBITDA ($mil)13.8612.33
EBIT ($mil)12.9511.42
Net Income ($mil)4.524.87


Balance Sheet Q2 FY13 Q2 FY12
Cash & Equiv. ($mil)125.183.66
Total Assets ($mil)2732.32551.7
Total Debt ($mil)175.43208.43
Equity ($mil)233.48227.55


Profitability Q2 FY13 Q2 FY12
Gross Profit Margin89.1384.7
EBITDA Margin37.7234.1
Operating Margin35.2331.58
Sales Turnover0.050.06
Return on Assets0.740.75
Return on Equity8.698.43
Debt Q2 FY13 Q2 FY12
Current Ratio0.00.0
Debt/Capital0.430.48
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY13 Q2 FY12
Shares outstanding (mil)30.9530.92
Div / share0.090.09
EPS0.150.16
Book value / share7.547.36
Institutional Own % n/a n/a
Avg Daily Volume120808.0101005.0

Valuation


BUY. STERLING BANCORP/NY's P/E ratio indicates a premium compared to an average of 16.83 for the Commercial Banks industry and a premium compared to the S&P 500 average of 19.31. Conducting a second comparison, its price-to-book ratio of 1.96 indicates a discount versus the S&P 500 average of 2.55 and a premium versus the industry average of 1.25. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, STERLING BANCORP/NY proves to trade at a premium to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
STL 22.35 Peers 16.83   STL 56.73 Peers 16.62

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

STL is trading at a significant 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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
STL 19.93 Peers 11.12   STL NA Peers 0.60

Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.

STL is trading at a significant premium to its peers.

 

Neutral. 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.

Ratio not available.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
STL 1.96 Peers 1.25   STL 6.45 Peers 1.05

Premium. A higher price-to-book ratio makes a stock less attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

STL is trading at a significant premium to 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.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
STL 3.09 Peers 2.20   STL 3.29 Peers 0.14

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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