Sterling Bancorp, Inc.
Sterling Bancorp, Inc. Fundamental Analysis
Sterling Bancorp, Inc. (SBT) shows weak financial fundamentals with a PE ratio of 242.10, profit margin of 2.14%, and ROE of 0.30%. The company generates $0.0B in annual revenue with strong year-over-year growth of 77.18%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 51.5/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze SBT's fundamental strength across five key dimensions:
Efficiency Score
WeakSBT struggles to generate sufficient returns from assets.
Valuation Score
ModerateSBT shows balanced valuation metrics.
Growth Score
ModerateSBT shows steady but slowing expansion.
Financial Health Score
ExcellentSBT maintains a strong and stable balance sheet.
Profitability Score
WeakSBT struggles to sustain strong margins.
Key Financial Metrics
Is SBT Expensive or Cheap?
P/E Ratio
SBT trades at 242.10 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, SBT's PEG of -3.72 indicates potential undervaluation.
Price to Book
The market values Sterling Bancorp, Inc. at 0.74 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 532.69 times EBITDA. This signals the market has high growth expectations.
How Well Does SBT Make Money?
Net Profit Margin
For every $100 in sales, Sterling Bancorp, Inc. keeps $2.14 as profit after all expenses.
Operating Margin
Core operations generate -4.59 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $0.30 in profit for every $100 of shareholder equity.
ROA
Sterling Bancorp, Inc. generates $0.04 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Sterling Bancorp, Inc. generates limited operating cash flow of $-1.48M, signaling weaker underlying cash strength.
Free Cash Flow
Sterling Bancorp, Inc. generates weak or negative free cash flow of $-1.49M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.03 in free cash annually.
FCF Yield
SBT converts -0.57% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
242.10
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-3.72
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.74
vs 25 benchmark
P/S Ratio
Price to sales ratio
5.31
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.03
vs 25 benchmark
Current Ratio
Current assets to current liabilities
87.65
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.003
vs 25 benchmark
ROA
Return on assets percentage
0.00
vs 25 benchmark
ROCE
Return on capital employed
-0.00
vs 25 benchmark
How SBT Stacks Against Its Sector Peers
| Metric | SBT Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 242.10 | 18.86 | Worse (Expensive) |
| ROE | 0.30% | 847.00% | Weak |
| Net Margin | 2.14% | 4202.00% | Weak |
| Debt/Equity | 0.03 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 87.65 | 667.17 | Strong Liquidity |
| ROA | 0.04% | -21543.00% (disorted) | Weak |
SBT outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Sterling Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
2.33%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
-96.24%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-102.99%
Industry Style: Value, Dividend, Cyclical
Declining