Sterling Bancorp

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STL : NYSE : Finance
$23.75 -0.15 | -0.63%
Today's Range: 23.7 - 24.175
Avg. Daily Volume: 1971400.0
02/23/18 - 1:57 PM ET

Financial Analysis


STERLING BANCORP'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. Even though sales increased, the net income has decreased.

At the same time, stockholders' equity ("net worth") has greatly increased by 128.55% from the same quarter last year.

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Income Statement Q4 FY17 Q4 FY16
Net Sales ($mil)300.26136.9
EBITDA ($mil)169.5173.58
EBIT ($mil)169.5168.61
Net Income ($mil)-33.2841.01


Balance Sheet Q4 FY17 Q4 FY16
Cash & Equiv. ($mil)479.91293.65
Total Assets ($mil)30359.5414178.45
Total Debt ($mil)4991.212056.61
Equity ($mil)4240.181855.18


Profitability Q4 FY17 Q4 FY16
Gross Profit Margin81.8684.42
EBITDA Margin56.4553.74
Operating Margin56.4550.12
Sales Turnover0.020.04
Return on Assets0.30.98
Return on Equity2.147.54
Debt Q4 FY17 Q4 FY16
Current Ratio0.00.0
Debt/Capital0.540.53
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q4 FY17 Q4 FY16
Shares outstanding (mil)224.78135.26
Div / share0.070.07
EPS-0.160.31
Book value / share18.8613.72
Institutional Own % n/a n/a
Avg Daily Volume2057747.02269109.0

Valuation


BUY. The current P/E ratio indicates a significant premium compared to an average of 18.09 for the Commercial Banks industry and a premium compared to the S&P 500 average of 25.51. Conducting a second comparison, its price-to-book ratio of 1.27 indicates a significant discount versus the S&P 500 average of 3.26 and a discount versus the industry average of 1.42. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium. The valuation analysis reveals that, STERLING BANCORP seems to be trading 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 31.04 Peers 18.09   STL NA Peers 12.02

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.

 

Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures.

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
STL 10.81 Peers 13.73   STL 0.14 Peers 0.58

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

STL is trading at a valuation on par with 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 1.27 Peers 1.42   STL -28.04 Peers 16.11

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.

STL is trading at a discount to its peers.

 

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

However, STL 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
STL 7.20 Peers 3.15   STL 40.80 Peers 3.77

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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