SunTrust Banks Inc

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STI : NYSE : Financial
$44.18 | %
Today's Range: 43.90 - 44.55
Avg. Daily Volume: 3,437,800
09/23/16 - 4:02 PM ET

Financial Analysis

SUNTRUST BANKS INC's gross profit margin for the second quarter of its fiscal year 2016 has decreased when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has increased by 5.34% from the same quarter last year.

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Income Statement Q2 FY16 Q2 FY15
Net Sales ($mil)2270.02172.0
EBITDA ($mil)1107.01132.0
EBIT ($mil)1107.01132.0
Net Income ($mil)492.0483.0

Balance Sheet Q2 FY16 Q2 FY15
Cash & Equiv. ($mil)4933.06975.0
Total Assets ($mil)198892.0188858.0
Total Debt ($mil)17121.016226.0
Equity ($mil)24464.023223.0

Profitability Q2 FY16 Q2 FY15
Gross Profit Margin87.6292.77
EBITDA Margin48.7652.11
Operating Margin48.7752.12
Sales Turnover0.040.05
Return on Assets0.980.99
Return on Equity7.737.83
Debt Q2 FY16 Q2 FY15
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q2 FY16 Q2 FY15
Shares outstanding (mil)501.41518.05
Div / share0.240.24
Book value / share48.7944.83
Institutional Own % n/a n/a
Avg Daily Volume3526721.03802755.0


BUY. This stock's P/E ratio indicates a discount compared to an average of 13.07 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 24.84. Conducting a second comparison, its price-to-book ratio of 0.90 indicates a significant discount versus the S&P 500 average of 2.78 and a discount versus the industry average of 1.06. 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 11.95 Peers 13.07   STI 8.23 Peers 9.05

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.


Average. 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 valuation on par to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
STI 12.22 Peers 12.29   STI NM Peers 2.12

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 0.90 Peers 1.06   STI 6.95 Peers -8.61

Discount. 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 discount to 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 2.53 Peers 2.27   STI 2.30 Peers 1.60

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.


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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