Sterling Bancorp

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STL : NYSE : Financial
$24.675 -0.22 | -0.9%
Today's Range: 24.35 - 24.75
Avg. Daily Volume: 912700.0
02/24/17 - 10:16 AM ET

Financial Analysis


STERLING BANCORP'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. 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 11.41% from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)136.88122.31
EBITDA ($mil)73.5665.55
EBIT ($mil)73.5659.97
Net Income ($mil)41.032.79


Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)293.65229.51
Total Assets ($mil)14178.4511955.95
Total Debt ($mil)2056.611525.34
Equity ($mil)1855.181665.07


Profitability Q4 FY16 Q4 FY15
Gross Profit Margin84.4286.67
EBITDA Margin53.7453.59
Operating Margin53.7449.03
Sales Turnover0.040.03
Return on Assets0.980.55
Return on Equity7.543.97
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Debt/Capital0.530.48
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)135.26130.01
Div / share0.070.07
EPS0.310.25
Book value / share13.7212.81
Institutional Own % n/a n/a
Avg Daily Volume930797.0948986.0

Valuation


BUY. This stock's P/E ratio indicates a premium compared to an average of 18.26 for the Commercial Banks industry and a discount compared to the S&P 500 average of 26.35. Conducting a second comparison, its price-to-book ratio of 1.83 indicates a discount versus the S&P 500 average of 2.94 and a premium versus the industry average of 1.29. 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 23.41 Peers 18.26   STL NA Peers 8.53

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 16.48 Peers 14.64   STL 1.04 Peers 2.83

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 1.83 Peers 1.29   STL 94.54 Peers -38.86

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 6.39 Peers 2.99   STL 29.05 Peers 2.95

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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