Sterling Bancorp

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STL : NYSE : Financial
$21.95 -0.65 | -2.88%
Today's Range: 21.9 - 22.7
Avg. Daily Volume: 1226400.0
08/17/17 - 4:02 PM ET

Financial Analysis


STERLING BANCORP's gross profit margin for the second quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. Sales and net income have grown, and although the growth in revenues has outpaced the average competitor within the industry, the net income growth has not.

During the same period, stockholders' equity ("net worth") has increased by 11.25% from the same quarter last year.

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Income Statement Q2 FY17 Q2 FY16
Net Sales ($mil)147.88134.75
EBITDA ($mil)80.2573.93
EBIT ($mil)75.8368.6
Net Income ($mil)42.437.77


Balance Sheet Q2 FY17 Q2 FY16
Cash & Equiv. ($mil)282.17258.33
Total Assets ($mil)15376.6813065.25
Total Debt ($mil)2661.841309.95
Equity ($mil)1931.381735.99


Profitability Q2 FY17 Q2 FY16
Gross Profit Margin82.7585.95
EBITDA Margin54.2654.86
Operating Margin51.2850.91
Sales Turnover0.040.04
Return on Assets1.030.9
Return on Equity8.276.82
Debt Q2 FY17 Q2 FY16
Current Ratio0.00.0
Debt/Capital0.580.43
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY17 Q2 FY16
Shares outstanding (mil)135.66130.62
Div / share0.070.07
EPS0.310.29
Book value / share14.2413.29
Institutional Own % n/a n/a
Avg Daily Volume1203627.01673578.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 22.47 for the Commercial Banks industry and a discount compared to the S&P 500 average of 24.31. Conducting a second comparison, its price-to-book ratio of 1.56 indicates a discount versus the S&P 500 average of 3.03 and a premium versus the industry average of 1.26. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
STL 18.50 Peers 22.47   STL 13.57 Peers 13.99

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

STL is trading at a discount to 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.

STL is trading at a valuation on par 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 12.69 Peers 13.74   STL 0.69 Peers 1.73

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 premium to its peers.

 

Discount. 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.

STL trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
STL 1.56 Peers 1.26   STL 31.86 Peers 7.65

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 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 5.37 Peers 2.77   STL 12.03 Peers 5.03

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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