Sterling Bancorp

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STL : NYSE : Financial
$22.45 -0.05 | -0.22%
Today's Range: 22.375 - 22.775
Avg. Daily Volume: 1316900.0
06/26/17 - 11:27 AM ET

Financial Analysis


STERLING BANCORP's gross profit margin for the first quarter of its fiscal year 2017 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 11.21% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)138.84121.44
EBITDA ($mil)75.8764.1
EBIT ($mil)71.6258.94
Net Income ($mil)39.0723.77


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)253.7486.73
Total Assets ($mil)14659.3412865.36
Total Debt ($mil)2328.581675.51
Equity ($mil)1888.611698.13


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin84.3686.42
EBITDA Margin54.6452.78
Operating Margin51.5948.54
Sales Turnover0.040.04
Return on Assets1.050.56
Return on Equity8.224.3
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.550.5
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)135.6130.55
Div / share0.070.07
EPS0.290.18
Book value / share13.9313.01
Institutional Own % n/a n/a
Avg Daily Volume1332980.01407236.0

Valuation


BUY. The current P/E ratio indicates a significant discount compared to an average of 41.96 for the Commercial Banks industry and a discount compared to the S&P 500 average of 25.75. Conducting a second comparison, its price-to-book ratio of 1.64 indicates a discount versus the S&P 500 average of 3.09 and a premium versus the industry average of 1.25. 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 19.32 Peers 41.96   STL 11.71 Peers 13.73

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

STL is trading at a significant discount to its peers.

 

Discount. 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 discount 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 13.73 Peers 13.60   STL 0.71 Peers 1.59

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 1.64 Peers 1.25   STL 118.51 Peers 3.84

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 5.65 Peers 2.84   STL 21.26 Peers 4.97

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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