10 Year Financial Data of Sterling Financial Corp (STSA)

22.65 (1y: +23%)

Market Cap	1.38 B	P/E(ttm)	3.60
Enterprise Value	2.17 B	P/B	1.10

STSA- NAS (USA)
Sterling Financial Corp

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$22.65

4 Severe Warning Signs 2 Medium Warning Signs 2 Good Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-38.6	-73.1	9.4
EBITDA Growth (%)	0	0	75
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	-40.8	-40.8	37.1

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	424	465	520	599	594	551	594	29.54	6.77	7.31	7.44	1.69	1.97	1.94	1.71	1.82
EBITDA per Share	176	187	208	228	214	-495	-988	-13.17	1.31	2.22	2.52	0.39	0.69	0.67	0.47	0.69
Free Cashflow per Share	140	115	193	199	161	200	283	9.43	1.92	-2.17	-0.34	0.15	0.31	-1.47	-1.16	1.98
Earnings per Share ($)	93.60	107	116	133	123	-430	-1,088	-53.05	0.63	6.14	6.31	0.21	5.13	0.49	0.33	0.36
Dividends Per Share	--	--	6.93	17.82	23.10	19.80	--	--	--	0.45	0.45	--	--	0.15	0.15	0.15
Book Value per Share	669	893	954	1,404	1,558	1,083	36.99	54.07	14.12	19.40	19.63	14.32	19.50	19.91	19.38	19.63
Month End Stock Price	1,409	1,749	1,649	2,231	1,108	581	40.92	18.97	16.70	20.90	21.69	20.88	18.89	22.27	20.90	21.69
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	13.90	12.00	12.10	9.40	7.90	-29.40	-259	-29.10	4.50	31.70	7.20	6.00	105	9.60	6.80	7.20
Return on Assets %	0.80	0.80	0.80	0.80	0.80	-2.60	-7.70	-2.40	0.40	4.20	0.80	0.40	13.20	1.20	0.80	0.80
Return on Capital - Joel Greenblatt %	7.60	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--
Debt to Equity	4.64	3.76	2.85	1.98	1.65	1.73	4.91	0.85	0.74	0.70	0.64	0.50	0.37	0.32	0.70	0.64

Operating Margin %	33.80	34.40	32.80	32.40	30.60	-95.30	-173	-53.30	9.30	20.40	28.40	12.50	25.90	25.10	16.50	28.40
Net Margin %	22.00	23.00	22.20	22.10	20.60	-77.70	-179	-53.30	9.30	84.00	19.80	12.50	260	25.10	19.50	19.80

Debt to Revenue	7.32	7.23	5.23	4.64	4.34	4.58	3.39	1.55	1.54	1.85	6.87	4.26	3.65	3.28	7.93	6.87
Interest Exp. to Revenue %	78.74	80.46	78.43	78.99	78.62	83.30	73.53	67.47	70.03	66.39	67.18	70.18	63.82	61.73	70.91	67.18

Asset Turnover	0.04	0.04	0.04	0.03	0.04	0.03	0.04	0.04	0.05	0.05	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	--	--	--	-0.20	-1.80	5,147	--	-1.10	-0.40	-1.80
Dividend Payout Ratio	--	--	0.06	0.13	0.19	--	--	--	--	0.07	0.42	--	--	0.31	0.45	0.42
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	125	197	217	264	355	360	344	284	295	305	307	74.35	78.91	75.31	76.11	76.89
Non Interest Income	33.74	47.80	59.57	70.22	96.64	72.11	124	137	126	154	160	31.59	44.74	46.70	31.23	37.57
Revenue	159	245	276	334	452	432	468	421	422	459	467	106	124	122	107	114

Selling, General, &Admin. Expense	56.38	84.59	102	127	171	171	165	242	228	242	246	47.38	64.15	59.79	61.56	60.50
Credit Losses Provision	10.50	12.15	15.20	18.70	25.09	334	681	250	30.00	10.00	6.00	4.00	4.00	2.00	--	--
Other Expenses	25.91	49.49	47.73	60.83	92.65	316	399	116	82.02	67.36	56.91	30.35	12.18	17.94	16.06	10.74
Earnings Before DDA	65.86	98.38	111	127	163	-388	-777	-188	81.78	140	159	24.21	43.32	42.28	29.72	43.22

Depreciation, Depletion and Amortization	12.27	14.29	20.06	19.25	24.67	23.02	33.62	36.55	42.65	45.84	45.61	10.92	11.27	11.68	11.97	10.69

Operating Income	53.59	84.10	90.62	108	138	-411	-811	-224	39.13	93.68	113	13.29	32.04	30.60	17.75	32.53
Net Income	34.91	56.31	61.22	73.95	93.29	-336	-838	-224	39.13	386	395	13.29	321	30.60	20.95	22.68

Preferred dividends	--	--	--	--	--	1.21	17.37	11.60	--	--	--	--	--	--	--	--
Earnings per Share ($)	93.60	107	116	133	123	-430	-1,088	-53.05	0.63	6.14	6.31	0.21	5.13	0.49	0.33	0.36
Total Shares Outstanding	0.37	0.53	0.53	0.56	0.76	0.78	0.79	14.25	62.23	62.77	63.01	62.68	62.61	62.85	62.85	63.01
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	65.48	93.19	131	179	194	139	565	412	471	300	282	331	417	232	300	282
Money Market Investments	1.50	1.28	--	1.15	1.10	1.49	8.22	15.68	20.63	31.67	14.85	37.63	38.06	31.67	31.67	14.85
Net Loan	2,921	4,266	4,894	7,107	9,004	8,920	7,535	5,601	5,615	6,568	6,630	6,088	6,153	6,311	6,568	6,630
Securities & Investments	1,073	2,205	2,129	1,914	1,986	2,815	2,178	2,838	2,550	1,513	1,472	2,462	2,121	2,052	1,513	1,472
Accounts Receivable	16.53	27.48	35.81	55.52	63.65	57.31	43.87	34.09	32.83	28.02	30.71	34.27	31.31	32.03	28.02	30.71
Property, Plant and Equipment	54.62	78.40	82.43	93.80	93.47	93.20	92.04	81.09	84.02	93.85	96.59	86.36	86.56	92.99	93.85	96.59
Intangible Assets	51.46	132	136	283	494	260	33.89	37.53	35.18	74.07	85.50	72.15	71.75	70.26	74.07	85.50
Other Assets	93.09	139	151	196	313	505	422	473	385	628	645	390	681	650	628	645
Total Assets	4,277	6,942	7,559	9,829	12,150	12,791	10,877	9,493	9,193	9,237	9,256	9,502	9,600	9,472	9,237	9,256

Total Deposits	2,455	3,863	4,806	6,746	7,678	8,350	7,775	6,911	6,486	6,436	6,598	6,950	6,797	6,740	6,436	6,598
Accounts Payable	25.85	18.06	23.65	58.01	40.97	50.39	28.69	17.26	22.58	145	104	24.26	5.98	6.59	145	104
Current Portion of Long-Term Debt	716	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--
Long-Term Debt	446	1,768	1,443	1,549	1,961	1,975	1,585	652	651	851	787	451	451	401	851	787
Other liabilities	384	823	779	692	1,285	1,274	1,165	1,142	1,155	587	531	1,180	1,125	1,074	587	531
Total Liabilities	4,027	6,472	7,052	9,045	10,964	11,650	10,554	8,722	8,315	8,019	8,019	8,605	8,379	8,221	8,019	8,019

Common Stock	14.86	22.94	34.86	42.04	51.46	52.13	52.21	1,961	1,964	1,968	1,969	1,966	1,966	1,968	1,968	1,969
Preferred Stock	--	--	--	--	--	292	294	--	--	--	--	--	--	--	--	--
Retained Earnings	69.30	63.13	121	185	260	-94.58	-950	-1,186	-1,147	-811	-788	-1,134	-813	-791	-811	-788
Additional Paid-In Capital	181	393	385	590	892	909	911	--	1,964	--	--	--	--	--	--	--
Total Equity	250	470	507	783	1,185	1,141	323	771	879	1,218	1,237	898	1,221	1,251	1,218	1,237
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	34.91	56.31	61.22	73.95	93.29	-336	-838	-224	39.13	386	395	13.29	321	30.60	20.95	22.68
Depreciation, Depletion and Amortization	12.27	14.29	20.06	19.25	24.67	23.02	33.62	36.55	42.65	45.84	45.61	10.92	11.27	11.68	11.97	10.69
Cash Flow from Others	5.18	-10.20	21.03	17.96	4.36	469	1,042	327	53.60	-558	-448	-12.83	-310	-125	-110	96.93
Cash Flow from Operations	52.37	60.40	102	111	122	157	238	139	135	-126	-7.58	11.38	22.55	-83.20	-77.24	130

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-15.14	-4.69	-15.88	-9.85	-13.58	-1.81	-2.83	-9.50	4.29	-5.54
Cash Flow from Acquisitions	144	44.03	--	--	92.42	--	--	--	--	121	6.88	121	--	--	--	6.88
Cash Flow from Investing	-585	-1,090	-630	-757	-739	-1,170	1,274	846	327	1,055	713	271	275	78.46	430	-70.87

Net Issuance of Stock	1.22	7.08	3.41	6.46	3.59	1.39	--	--	--	0.66	0.76	-684	-0.08	0.34	0.09	0.41
Net Issuance of Preferred Stock	--	--	--	--	--	303	--	--	--	--	--	--	--	--	--	--
Net Issuance of Debt	263	630	-378	-183	708	-0.65	-389	-941	-1.52	200	335	-200	-0.05	-50.05	450	-65.05
Cash Flow for Dividends	--	--	-1.74	-8.90	-16.24	-20.49	-6.73	--	--	-49.74	-49.74	--	--	-9.32	-40.42	--
Other Financing	256	421	942	878	-62.56	674	-690	-197	-402	-1,250	-1,040	463	-213	-121	-695	-12.30
Cash Flow from Financing	520	1,058	566	693	633	957	-1,085	-1,138	-403	-1,099	-755	-422	-213	-180	-285	-76.94

Net Change in Cash	-12.38	27.71	38.12	47.26	15.91	-55.68	426	-153	59.02	-171	-48.95	-139	85.32	-184	67.67	-17.51

Free Cash Flow	52.37	60.40	102	111	122	157	222	134	120	-136	-21.16	9.57	19.72	-92.70	-72.95	125
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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STSA Quarterly/Annuals Reports

STSA: 10-Q - STERLING FINANCIAL CORP /WA/ (0000891106) (Filer): (10-Q) - 2012-11-06
STSA: 10-Q - STERLING FINANCIAL CORP /WA/ (0000891106) (Filer): (10-Q) - 2012-08-07
STSA: 10-Q - STERLING FINANCIAL CORP /WA/ (0000891106) (Filer): (10-Q) - 2012-05-08
STSA: 10-K - STERLING FINANCIAL CORP /WA/ (0000891106) (Filer): (10-K) - 2012-02-28
STSA: 10-Q - STERLING FINANCIAL CORP /WA/ (0000891106) (Filer): (10-Q) - 2011-08-09

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