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About The Company

CEO

Mr. Jack Kopnisky

Market Cap

NaN undefined USD

Sector

Financial Services

Website

https://www.sterlingbancorp.com

Last Update

2/22/2024, 12:00:00 PM

Description

Sterling Bancorp operates as the bank holding company for Sterling National Bank that provides various banking products and services to commercial, consumer, and municipal clients in the United States.

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Overview

Value

68

Growth

28

Health

61

Management

16

Analyst Opinion

86

Total

52

All Scores Out Of 100

Best Features

  • Earnings growth has improved recently
  • Has a low level of debt
  • Has strong financial health
  • Price-to-earnings ratio of 12.5 is lower than the market average (19.6x)
  • Liked by analysts
  • Low preportion of income is paid as dividend
  • Very safe dividend

Risk Factors

  • There is a history of diluting shareholders
  • Does not hold enough liquid assets to cover short term liabilities
  • Disliked by Twitter users
  • Poor earnings and cashflow growth

Market Peers

STL

Key Figures

PE Ratio (TTM)

12.46

Margin Of Safety (DCF)

N/A

Revenue Growth (5 Year Average)

0.78%

Ratings Consensus

Strong Buy

Share Buybacks

-1.70%

Dividend Yeild (TTM)

N/A

Valuation

Value Score

68

  • Price-to-earnings ratio of 12.5 is lower than the market average (19.6x)
  • Estimated intrinsic-value of N/A is lower than current price ( 26.29 USD)
  • Free-cashflow-yeild of N/A is worse than the market average (4.7%)
  • Margin-of-safety of N/A is worse than the market average (17.95%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: N/ANaNNaN

Current Price: 26.3 USD

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

12.46x

Free Cashflow Yeild

N/A

PE/Earnings Growth

0.78

Price/Book

Infinityx

Growth

Growth Score

28

  • Earnings growth has improved this year
  • Free Cashflow growth has improved this year
  • 5 Year Average Revenue growth of 0.78% is lower than the market average (10.97%)
  • Revenue growth has slowed this year
  • 5 Year Average Earnings growth of 5.18% is lower than the market average (14.48%)
  • 5 Year Average Free Cashflow growth of 2.85% is lower than the market average (12.35%)

Revenue Growth

0.78%

Earnings Growth

5.18%

Cashflow Growth

2.85%

Health

Health Score

61

  • Has a low level of debt
  • Debt repayments do not significantly impact cashflow
  • High financial leverage and base interest rate exposure
  • Requires debt for normal operation to be sustainable

Altman Z Score

N/A

Piostroski Score

N/A

Debt/Equity

0.22x

Current Assets/Liabilities

N/Ax

Free Cashflow/Total Debt

0.15x

Debt/Capital

2.64x

Dividend

Secure Dividend Score

73

  • Very safe
  • Long term dividend payout ratio of 21.15% is considered good
  • Payout ratio (TTM) of 15.47% is lower than the average (40%)
  • Dividend growth has been accelerating recently
  • Spending a lower percentage of their income on dividends than last 5 years
  • Dividend yeild of N/A is less than the market average (1.85%)
  • Dividends have been declining over the last 5 years

Dividend Yeild

N/A

Dividend Growth

0.05%

Payout Ratio (Earnings)

15.47%

Payout Ratio (Cashflow)

10.27%

Management

Management Score

16

  • Return-on-capital-employed of 0.56% is lower than the market average (10%)
  • Has issued new shares whilst share price is low
  • Has a history of diluting shareholders to finance activity
  • Return-on-equity of 0.00% is lower than the market average (15%)

Average Buybacks/Dilution

-1.70%

Recent Buybacks/Dilution

-100.00%

5 Year Price Volitility

21.18%

Return On Assets

0.00%

Return On Capital Employed

0.56%

Return On Equity

0.00%

Return On Free Cashflow

N/A

Return On Investments

0.00%

Social Sentiment

Social Sentiment Score

0

Twitter Sentiment

N/A

Stocktwits Sentiment

N/A

Analysts

Analyst Opinion

86

  • Ratings consensus is Strong Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

Sterling Bancorp

Currency

USD

Beta

1.533198

Vol Avg

1745932

Ceo

Mr. Jack Kopnisky

Cik

0001070154

Cusip

85917A100

Exchange

New York Stock Exchange

Full Time Employees

1439

Industry

Banks—Regional

Sector

Financial Services

Ipo Date

2011-12-28

Address

400 Rella Blvd

City

Montebello

State

NEW YORK

Country

US

Zip

10965

Phone

18453698040

Analysis Last Updated

2/22/2024, 12:00:00 PM

All financial data provided by FMP

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