Sterling Bancorp
Sterling Bancorp Fundamental Analysis
Sterling Bancorp (STL) shows moderate financial fundamentals with a PE ratio of 12.54, profit margin of 40.28%, and ROE of 8.55%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 55.3/100 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 STL's fundamental strength across five key dimensions:
Efficiency Score
WeakSTL struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSTL trades at attractive valuation levels.
Growth Score
ModerateSTL shows steady but slowing expansion.
Financial Health Score
ModerateSTL shows balanced financial health with some risks.
Profitability Score
WeakSTL struggles to sustain strong margins.
Key Financial Metrics
Is STL Expensive or Cheap?
P/E Ratio
STL trades at 12.54 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, STL's PEG of 0.16 indicates potential undervaluation.
Price to Book
The market values Sterling Bancorp at 1.04 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -1.30 times EBITDA. This is generally considered low.
How Well Does STL Make Money?
Net Profit Margin
For every $100 in sales, Sterling Bancorp keeps $40.28 as profit after all expenses.
Operating Margin
Core operations generate 56.06 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.55 in profit for every $100 of shareholder equity.
ROA
Sterling Bancorp generates $1.36 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $1.93 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.54
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.16
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.04
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.22
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How STL Stacks Against Its Sector Peers
| Metric | STL Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.54 | 18.99 | Better (Cheaper) |
| ROE | 8.55% | 824.00% | Weak |
| Net Margin | 40.28% | 1603.00% | Weak |
| Debt/Equity | 0.22 | 0.99 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 621.71 | Weak Liquidity |
| ROA | 1.36% | -24664.00% (disorted) | Weak |
STL outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Sterling Bancorp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical