SunTrust Banks Inc

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STI : NYSE : Financial
$53.88 -2.09 | -3.73%
Today's Range: 53.8213 - 55.46
Avg. Daily Volume: 4070600.0
01/17/17 - 4:02 PM ET

Financial Analysis

SUNTRUST BANKS INC's gross profit margin for the third quarter of its fiscal year 2016 is essentially unchanged 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 3.31% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)2340.02144.0
EBITDA ($mil)1190.01138.0
EBIT ($mil)1190.01138.0
Net Income ($mil)474.0537.0

Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)9473.04695.0
Total Assets ($mil)205091.0187036.0
Total Debt ($mil)16765.012386.0
Equity ($mil)24449.023664.0

Profitability Q3 FY16 Q3 FY15
Gross Profit Margin89.7492.82
EBITDA Margin50.8553.07
Operating Margin50.8553.08
Sales Turnover0.040.05
Return on Assets0.920.98
Return on Equity7.487.5
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)495.94514.11
Div / share0.260.24
Book value / share49.346.03
Institutional Own % n/a n/a
Avg Daily Volume4086074.03130351.0


BUY. This stock's P/E ratio indicates a discount compared to an average of 17.70 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 25.49. Conducting a second comparison, its price-to-book ratio of 1.13 indicates a significant discount versus the S&P 500 average of 2.84 and a discount versus the industry average of 1.22. The current price-to-sales ratio is well above the S&P 500 average and above the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, SUNTRUST BANKS INC proves to trade at a discount to investment alternatives within the industry.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
STI 15.41 Peers 17.70   STI 30.85 Peers 12.28

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

STI is trading at a discount 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.

STI is trading at a significant premium to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
STI 15.00 Peers 14.86   STI NM Peers 2.66

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

STI is trading at a valuation on par with 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.

STI's negative PEG ratio makes this valuation measure meaningless.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
STI 1.13 Peers 1.22   STI 6.19 Peers -39.58

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.

STI 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.

STI is expected to have an earnings growth rate that significantly exceeds its peers.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
STI 3.08 Peers 2.95   STI 4.46 Peers 5.47

Average. 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.

STI is trading at a valuation on par with its industry on this measurement.


Lower. A sales growth rate that trails the industry implies that a company is losing market share.

STI trails its peers on the basis of sales growth



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