Sterling Bancorp

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STL : NYSE : Financial
$17.26 -0.19 | -1.09%
Today's Range: 17.17 - 17.51
Avg. Daily Volume: 753,700
09/29/16 - 4:02 PM ET

Financial Analysis


STERLING BANCORP's gross profit margin for the second quarter of its fiscal year 2016 is essentially unchanged when compared to the same period a year ago. The company grew its sales and net income significantly quarter versus same quarter a year prior, and was able to outpace the average competitor in the industry when comparing revenue growth, but not when comparing net income growth.

During the same period, stockholders' equity ("net worth") has increased by 6.95% from the same quarter last year.

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Income Statement Q2 FY16 Q2 FY15
Net Sales ($mil)134.7585.8
EBITDA ($mil)73.9343.08
EBIT ($mil)68.639.71
Net Income ($mil)37.77-7.65


Balance Sheet Q2 FY16 Q2 FY15
Cash & Equiv. ($mil)258.33366.43
Total Assets ($mil)13065.2511566.38
Total Debt ($mil)1309.95914.92
Equity ($mil)1735.991623.11


Profitability Q2 FY16 Q2 FY15
Gross Profit Margin85.9586.63
EBITDA Margin54.8650.21
Operating Margin50.9146.28
Sales Turnover0.040.0
Return on Assets0.90.0
Return on Equity6.820.0
Debt Q2 FY16 Q2 FY15
Current Ratio0.00.0
Debt/Capital0.430.36
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY16 Q2 FY15
Shares outstanding (mil)130.62129.71
Div / share0.070.07
EPS0.29-0.08
Book value / share13.2912.51
Institutional Own % n/a n/a
Avg Daily Volume792513.0737779.0

Valuation


HOLD. This stock's P/E ratio indicates a premium compared to an average of 13.21 for the Commercial Banks industry and a discount compared to the S&P 500 average of 25.19. To use another comparison, its price-to-book ratio of 1.31 indicates a significant discount versus the S&P 500 average of 2.82 and a premium versus the industry average of 1.07. 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 19.19 Peers 13.21   STL 13.12 Peers 9.17

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 14.02 Peers 12.44   STL 0.23 Peers 4.15

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 1.31 Peers 1.07   STL 727.27 Peers -8.47

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 4.56 Peers 2.29   STL 200.67 Peers 1.69

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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