Sterling Bancorp

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STL : NYSE : Financial
$24.4 up 0.2 | 0.83%
Today's Range: 24.25 - 24.65
Avg. Daily Volume: 986100.0
12/08/16 - 3:59 PM ET

Financial Analysis


STERLING BANCORP'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. 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 6.83% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)137.2122.1
EBITDA ($mil)74.4767.28
EBIT ($mil)69.1461.74
Net Income ($mil)37.4224.19


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)380.46318.14
Total Assets ($mil)13617.2311597.39
Total Debt ($mil)1451.53948.05
Equity ($mil)1765.161652.2


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin85.0487.76
EBITDA Margin54.2855.1
Operating Margin50.3950.56
Sales Turnover0.040.0
Return on Assets0.960.0
Return on Equity7.460.0
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.450.36
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)130.85129.77
Div / share0.070.07
EPS0.290.19
Book value / share13.4912.73
Institutional Own % n/a n/a
Avg Daily Volume987974.0746457.0

Valuation


HOLD. This stock's P/E ratio indicates a premium compared to an average of 16.99 for the Commercial Banks industry and a discount compared to the S&P 500 average of 25.37. Conducting a second comparison, its price-to-book ratio of 1.74 indicates a discount versus the S&P 500 average of 2.81 and a premium versus the industry average of 1.18. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, STERLING BANCORP proves to trade at a premium 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
STL 23.22 Peers 16.99   STL 21.91 Peers 11.87

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

STL is trading at a significant premium 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.

STL is trading at a significant premium 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 18.32 Peers 14.20   STL 0.28 Peers 2.15

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 significant 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 1.74 Peers 1.18   STL 236.66 Peers -39.69

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 significant 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 5.95 Peers 2.86   STL 78.69 Peers 5.39

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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