Sterling Bancorp Logo

Sterling Bancorp

STL

(1.2)
Stock Price

26,29 USD

1.45% ROA

8.55% ROE

12.54x PER

Market Cap.

0,00 USD

21.77% DER

0% Yield

40.28% NPM

Sterling Bancorp Stock Analysis

Sterling Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Sterling Bancorp Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE in an average range (8.55%) suggests satisfactory profitability and decent utilization of shareholders' equity.

2 ROA

The stock's ROA (1.45%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

3 PBV

The stock's PBV ratio (1.04x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

4 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

5 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (111), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

6 DER

The company has a high debt to equity ratio (508%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

7 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

8 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

Sterling Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Sterling Bancorp Technical Stock Analysis
# Analysis Recommendation

Sterling Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Sterling Bancorp Revenue
Year Revenue Growth
1998 4.817.000
1999 33.800.000 85.75%
2000 36.256.000 6.77%
2001 39.440.000 8.07%
2002 48.151.000 18.09%
2003 55.285.000 12.9%
2004 73.099.000 24.37%
2005 103.778.000 29.56%
2006 100.344.000 -3.42%
2007 102.490.000 2.09%
2008 114.446.000 10.45%
2009 131.191.000 12.76%
2010 118.988.000 -10.26%
2011 119.657.000 0.56%
2012 126.965.000 5.76%
2013 139.859.000 9.22%
2014 284.478.000 50.84%
2015 373.967.000 23.93%
2016 473.001.000 20.94%
2017 640.345.000 26.13%
2018 1.058.800.000 39.52%
2019 1.032.045.000 -2.59%
2020 989.931.000 -4.25%
2021 1.034.684.000 4.33%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Sterling Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Sterling Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 10.506.000
1999 12.300.000 14.59%
2000 13.509.000 8.95%
2001 14.129.000 4.39%
2002 17.246.000 18.07%
2003 20.703.000 16.7%
2004 23.001.000 9.99%
2005 34.533.000 33.39%
2006 38.008.000 9.14%
2007 39.196.000 3.03%
2008 40.854.000 4.06%
2009 46.719.000 12.55%
2010 48.807.000 4.28%
2011 49.506.000 1.41%
2012 50.321.000 1.62%
2013 53.082.000 5.2%
2014 107.739.000 50.73%
2015 133.470.000 19.28%
2016 143.824.000 7.2%
2017 173.345.000 17.03%
2018 257.447.000 32.67%
2019 251.730.000 -2.27%
2020 257.936.000 2.41%
2021 284.324.000 9.28%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Sterling Bancorp EBITDA
Year EBITDA Growth
1998 28.858.000
1999 30.900.000 6.61%
2000 38.107.000 18.91%
2001 40.022.000 4.78%
2002 34.836.000 -14.89%
2003 33.346.000 -4.47%
2004 36.240.000 7.99%
2005 73.410.000 50.63%
2006 87.649.000 16.25%
2007 102.680.000 14.64%
2008 94.539.000 -8.61%
2009 80.616.000 -17.27%
2010 60.798.000 -32.6%
2011 43.473.000 -39.85%
2012 50.611.000 14.1%
2013 62.101.000 18.5%
2014 129.842.000 52.17%
2015 152.393.000 14.8%
2016 285.427.000 46.61%
2017 311.954.000 8.5%
2018 851.295.000 63.36%
2019 862.690.000 1.32%
2020 441.058.000 -95.6%
2021 646.704.000 31.8%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Sterling Bancorp Gross Profit
Year Gross Profit Growth
1998 4.817.000
1999 33.800.000 85.75%
2000 36.256.000 6.77%
2001 39.440.000 8.07%
2002 48.151.000 18.09%
2003 55.285.000 12.9%
2004 73.099.000 24.37%
2005 103.778.000 29.56%
2006 100.344.000 -3.42%
2007 102.490.000 2.09%
2008 114.446.000 10.45%
2009 131.191.000 12.76%
2010 118.988.000 -10.26%
2011 119.657.000 0.56%
2012 126.965.000 5.76%
2013 139.859.000 9.22%
2014 284.478.000 50.84%
2015 373.967.000 23.93%
2016 473.001.000 20.94%
2017 640.345.000 26.13%
2018 1.058.800.000 39.52%
2019 1.032.045.000 -2.59%
2020 989.931.000 -4.25%
2021 1.034.684.000 4.33%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Sterling Bancorp Net Profit
Year Net Profit Growth
1998 4.242.000
1999 3.900.000 -8.77%
2000 5.872.000 33.58%
2001 7.482.000 21.52%
2002 9.527.000 21.47%
2003 11.251.000 15.32%
2004 11.017.000 -2.12%
2005 21.242.000 48.14%
2006 20.195.000 -5.18%
2007 19.627.000 -2.89%
2008 23.778.000 17.46%
2009 25.861.000 8.05%
2010 20.492.000 -26.2%
2011 11.739.000 -74.56%
2012 19.888.000 40.97%
2013 25.254.000 21.25%
2014 58.684.000 56.97%
2015 66.114.000 11.24%
2016 139.972.000 52.77%
2017 93.031.000 -50.46%
2018 447.254.000 79.2%
2019 427.041.000 -4.73%
2020 225.769.000 -89.15%
2021 446.308.000 49.41%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Sterling Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 2 100%
2019 2 50%
2020 1 -100%
2021 2 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Sterling Bancorp Free Cashflow
Year Free Cashflow Growth
1998 4.722.000
1999 5.900.000 19.97%
2000 9.888.000 40.33%
2001 11.801.000 16.21%
2002 12.287.000 3.96%
2003 14.768.000 16.8%
2004 12.567.000 -17.51%
2005 29.812.000 57.85%
2006 19.944.000 -49.48%
2007 32.539.000 38.71%
2008 29.052.000 -12%
2009 11.835.000 -145.48%
2010 13.709.000 13.67%
2011 23.013.000 40.43%
2012 23.173.000 0.69%
2013 20.269.000 -14.33%
2014 68.322.000 70.33%
2015 83.709.000 18.38%
2016 194.744.000 57.02%
2017 234.346.000 16.9%
2018 370.760.000 36.79%
2019 414.364.000 10.52%
2020 371.780.000 -11.45%
2021 160.721.000 -131.32%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Sterling Bancorp Operating Cashflow
Year Operating Cashflow Growth
1998 6.287.000
1999 8.600.000 26.9%
2000 12.233.000 29.7%
2001 13.507.000 9.43%
2002 14.669.000 7.92%
2003 17.369.000 15.54%
2004 16.198.000 -7.23%
2005 35.908.000 54.89%
2006 23.827.000 -50.7%
2007 36.842.000 35.33%
2008 40.305.000 8.59%
2009 20.687.000 -94.83%
2010 21.861.000 5.37%
2011 26.478.000 17.44%
2012 25.026.000 -5.8%
2013 22.624.000 -10.62%
2014 74.502.000 69.63%
2015 91.756.000 18.8%
2016 198.899.000 53.87%
2017 242.605.000 18.02%
2018 394.775.000 38.55%
2019 438.069.000 9.88%
2020 391.838.000 -11.8%
2021 163.154.000 -140.16%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Sterling Bancorp Capital Expenditure
Year Capital Expenditure Growth
1998 1.565.000
1999 2.700.000 42.04%
2000 2.345.000 -15.14%
2001 1.706.000 -37.46%
2002 2.382.000 28.38%
2003 2.601.000 8.42%
2004 3.631.000 28.37%
2005 6.096.000 40.44%
2006 3.883.000 -56.99%
2007 4.303.000 9.76%
2008 11.253.000 61.76%
2009 8.852.000 -27.12%
2010 8.152.000 -8.59%
2011 3.465.000 -135.27%
2012 1.853.000 -86.99%
2013 2.355.000 21.32%
2014 6.180.000 61.89%
2015 8.047.000 23.2%
2016 4.155.000 -93.67%
2017 8.259.000 49.69%
2018 24.015.000 65.61%
2019 23.705.000 -1.31%
2020 20.058.000 -18.18%
2021 2.433.000 -724.41%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Sterling Bancorp Equity
Year Equity Growth
1998 55.200.000
1999 90.300.000 38.87%
2000 90.986.000 0.75%
2001 102.620.000 11.34%
2002 110.867.000 7.44%
2003 117.857.000 5.93%
2004 349.512.000 66.28%
2005 395.157.000 11.55%
2006 405.286.000 2.5%
2007 405.089.000 -0.05%
2008 399.158.000 -1.49%
2009 427.456.000 6.62%
2010 430.955.000 0.81%
2011 431.134.000 0.04%
2012 491.122.000 12.21%
2013 482.866.000 -1.71%
2014 961.138.000 49.76%
2015 1.665.073.000 42.28%
2016 1.855.183.000 10.25%
2017 4.240.178.000 56.25%
2018 4.428.853.000 4.26%
2019 4.530.113.000 2.24%
2020 4.590.514.000 1.32%
2021 4.880.149.000 5.93%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Sterling Bancorp Assets
Year Assets Growth
1998 691.068.000
1999 814.500.000 15.15%
2000 844.786.000 3.59%
2001 881.260.000 4.14%
2002 1.027.701.000 14.25%
2003 1.174.305.000 12.48%
2004 1.826.151.000 35.7%
2005 2.597.362.000 29.69%
2006 2.841.337.000 8.59%
2007 2.802.099.000 -1.4%
2008 2.984.371.000 6.11%
2009 3.021.893.000 1.24%
2010 3.021.025.000 -0.03%
2011 3.137.402.000 3.71%
2012 4.022.982.000 22.01%
2013 4.049.172.000 0.65%
2014 7.337.387.000 44.81%
2015 11.955.952.000 38.63%
2016 14.178.447.000 15.68%
2017 30.359.541.000 53.3%
2018 31.383.307.000 3.26%
2019 30.586.497.000 -2.61%
2020 29.820.138.000 -2.57%
2021 29.659.471.000 -0.54%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Sterling Bancorp Liabilities
Year Liabilities Growth
1998 635.868.000
1999 724.200.000 12.2%
2000 753.800.000 3.93%
2001 778.640.000 3.19%
2002 916.834.000 15.07%
2003 1.056.448.000 13.22%
2004 1.476.639.000 28.46%
2005 2.202.205.000 32.95%
2006 2.436.051.000 9.6%
2007 2.397.010.000 -1.63%
2008 2.585.213.000 7.28%
2009 2.594.437.000 0.36%
2010 2.590.070.000 -0.17%
2011 2.706.268.000 4.29%
2012 3.531.860.000 23.38%
2013 3.566.306.000 0.97%
2014 6.376.249.000 44.07%
2015 10.290.879.000 38.04%
2016 12.323.264.000 16.49%
2017 26.119.363.000 52.82%
2018 26.954.454.000 3.1%
2019 26.056.384.000 -3.45%
2020 25.229.624.000 -3.28%
2021 24.779.322.000 -1.82%

Sterling Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.21
Net Income per Share
2.1
Price to Earning Ratio
12.54x
Price To Sales Ratio
0x
POCF Ratio
12.95
PFCF Ratio
0
Price to Book Ratio
1.04
EV to Sales
0.75
EV Over EBITDA
1.3
EV to Operating CashFlow
1.93
EV to FreeCashFlow
2.03
Earnings Yield
0.08
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
0,75 Bil.
Graham Number
34.53
Graham NetNet
-126.4

Income Statement Metrics

Net Income per Share
2.1
Income Quality
1.74
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.79
EBT Per Ebit
0.91
Ebit per Revenue
0.56
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.27
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.56
Pretax Profit Margin
0.51
Net Profit Margin
0.4

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
2.03
Free CashFlow per Share
1.93
Capex to Operating CashFlow
-0.05
Capex to Revenue
-0.02
Capex to Depreciation
-0.55
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
34.56
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
10.56
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.1

Balance Sheet

Cash per Share
1,60
Book Value per Share
25,28
Tangible Book Value per Share
16.15
Shareholders Equity per Share
25.28
Interest Debt per Share
5.76
Debt to Equity
0.22
Debt to Assets
0.04
Net Debt to EBITDA
1.3
Current Ratio
0
Tangible Asset Value
3,12 Bil.
Net Current Asset Value
-1,51 Bil.
Invested Capital
0.22
Working Capital
23,27 Bil.
Intangibles to Total Assets
0.06
Average Receivables
0,10 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Sterling Bancorp Dividends
Year Dividends Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 1 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

Sterling Bancorp Profile

About Sterling Bancorp

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. The company accepts deposit products, including interest and non-interest checking, savings, money market, time, and demand deposits, as well as certificates of deposit. Its loan products include commercial and industrial, asset-based, payroll finance, warehouse, factored receivables, equipment finance, public sector finance, and commercial real estate, such as multi-family loans; residential and commercial mortgage loans; consumer loans, such as homeowner loans, home equity lines of credit, new and used automobile loans, and personal unsecured loans; and acquisition, development, and construction loans. The company also engages in the third-party provider to sell mutual funds and annuities; and provision of annuity and wealth management products. As of December 31, 2020, it operated 76 full-service retail and commercial financial centers in the New York Metro Market and the New York Suburban Market. Sterling Bancorp was founded in 1888 and is headquartered in Pearl River, New York.

CEO
Mr. Jack Kopnisky
Employee
1.439
Address
400 Rella Blvd
Montebello, 10965

Sterling Bancorp Executives & BODs

Sterling Bancorp Executives & BODs
# Name Age

Sterling Bancorp Competitors