SunTrust Banks Inc

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STI : NYSE : Financial
$55.04 -0.06 | -0.11%
Today's Range: 54.65 - 55.24
Avg. Daily Volume: 3621400.0
03/29/17 - 10:40 AM ET

Financial Analysis


SUNTRUST BANKS INC's gross profit margin for the fourth 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.

During the same period, stockholders' equity ("net worth") has remained unchanged from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)2307.02128.0
EBITDA ($mil)1158.01143.0
EBIT ($mil)1158.01143.0
Net Income ($mil)465.0484.0


Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)6153.05322.0
Total Assets ($mil)204875.0190817.0
Total Debt ($mil)16512.013089.0
Equity ($mil)23515.023329.0


Profitability Q4 FY16 Q4 FY15
Gross Profit Margin89.1692.11
EBITDA Margin50.1953.71
Operating Margin50.253.71
Sales Turnover0.040.04
Return on Assets0.911.01
Return on Equity7.77.98
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Debt/Capital0.410.36
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)491.19508.71
Div / share0.260.24
EPS0.90.91
Book value / share47.8745.86
Institutional Own % n/a n/a
Avg Daily Volume3488250.04149456.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 23.73 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 26.33. Conducting a second comparison, its price-to-book ratio of 1.15 indicates a significant discount versus the S&P 500 average of 2.93 and a discount versus the industry average of 1.26. 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.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
STI 15.28 Peers 23.73   STI NM Peers 183.61

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

STI is trading at a significant discount to its peers.

 

Neutral. 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's P/CF is negative making the measure meaningless.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
STI 12.82 Peers 85.79   STI 2.29 Peers 1.60

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

STI is trading at a significant discount 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.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
STI 1.15 Peers 1.26   STI 0.27 Peers 4.16

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.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
STI 2.96 Peers 2.73   STI 6.75 Peers 3.69

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.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

STI has a sales growth rate that significantly exceeds its peers.

 

 

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