SunTrust Banks Inc.

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STI : NYSE : Finance
$70.81 up 0.14 | 0.2%
Today's Range: 70.19 - 71.04
Avg. Daily Volume: 3332300.0
03/21/18 - 1:23 PM ET

Financial Analysis

SUNTRUST BANKS INC's gross profit margin for the fourth quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. The company has grown its sales and net income during the past quarter when compared with the same quarter a year ago, and although its growth in net income has outpaced the industry average, its revenue growth has not.

During the same period, stockholders' equity ("net worth") has increased by 6.53% from the same quarter last year.

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Income Statement Q4 FY17 Q4 FY16
Net Sales ($mil)2367.02307.0
EBITDA ($mil)1166.01158.0
EBIT ($mil)1166.01158.0
Net Income ($mil)740.0465.0

Balance Sheet Q4 FY17 Q4 FY16
Cash & Equiv. ($mil)6614.06153.0
Total Assets ($mil)205962.0204875.0
Total Debt ($mil)14566.016512.0
Equity ($mil)25051.023515.0

Profitability Q4 FY17 Q4 FY16
Gross Profit Margin87.9689.16
EBITDA Margin49.2650.19
Operating Margin49.2650.2
Sales Turnover0.050.04
Return on Assets1.10.91
Return on Equity8.697.7
Debt Q4 FY17 Q4 FY16
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q4 FY17 Q4 FY16
Shares outstanding (mil)470.93491.19
Div / share0.40.26
Book value / share53.1947.87
Institutional Own % n/a n/a
Avg Daily Volume3475697.03511295.0


BUY. This stock's P/E ratio indicates a discount compared to an average of 17.29 for the Commercial Banks industry and a discount compared to the S&P 500 average of 25.66. Conducting a second comparison, its price-to-book ratio of 1.34 indicates a significant discount versus the S&P 500 average of 3.28 and a discount versus the industry average of 1.40. 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 15.88 Peers 17.29   STI 6.08 Peers 14.83

Average. An average P/E ratio can signify an industry neutral price for a stock and an average growth expectation.

STI is trading at a valuation on par with its peers.


Discount. 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 discount to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
STI 13.04 Peers 12.87   STI 1.34 Peers 0.82

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

STI is trading at a premium to its peers.


Premium. 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 trades at a significant premium to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
STI 1.34 Peers 1.40   STI 24.79 Peers 69.52

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.


Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, STI is expected to significantly trail its peers on the basis of its earnings growth rate.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
STI 3.48 Peers 2.99   STI 5.76 Peers 9.11

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.

STI is trading at a premium to its industry on this measurement.


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

STI significantly trails its peers on the basis of sales growth



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