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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.20
PBNY's Cash to Debt is ranked lower than
86% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. PBNY: 0.20 )
Ranked among companies with meaningful Cash to Debt only.
PBNY' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.19 Max: N/A
Current: 0.2
Equity to Asset 0.13
PBNY's Equity to Asset is ranked higher than
77% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PBNY: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
PBNY' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.14 Max: 0.2
Current: 0.13
0.07
0.2
Interest Coverage 3.74
PBNY's Interest Coverage is ranked higher than
73% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. PBNY: 3.74 )
Ranked among companies with meaningful Interest Coverage only.
PBNY' s Interest Coverage Range Over the Past 10 Years
Min: 0.42  Med: 1 Max: 3.74
Current: 3.74
0.42
3.74
F-Score: 5
M-Score: -2.33
WACC vs ROIC
6.33%
4.56%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 38.95
PBNY's Operating margin (%) is ranked higher than
69% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. PBNY: 38.95 )
Ranked among companies with meaningful Operating margin (%) only.
PBNY' s Operating margin (%) Range Over the Past 10 Years
Min: 12  Med: 26.21 Max: 38.95
Current: 38.95
12
38.95
Net-margin (%) 26.14
PBNY's Net-margin (%) is ranked higher than
62% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. PBNY: 26.14 )
Ranked among companies with meaningful Net-margin (%) only.
PBNY' s Net-margin (%) Range Over the Past 10 Years
Min: 9.68  Med: 17.87 Max: 26.14
Current: 26.14
9.68
26.14
ROE (%) 7.08
PBNY's ROE (%) is ranked lower than
60% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. PBNY: 7.08 )
Ranked among companies with meaningful ROE (%) only.
PBNY' s ROE (%) Range Over the Past 10 Years
Min: 2.72  Med: 4.94 Max: 7.08
Current: 7.08
2.72
7.08
ROA (%) 0.97
PBNY's ROA (%) is ranked higher than
57% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. PBNY: 0.97 )
Ranked among companies with meaningful ROA (%) only.
PBNY' s ROA (%) Range Over the Past 10 Years
Min: 0.38  Med: 0.69 Max: 0.97
Current: 0.97
0.38
0.97
Revenue Growth (3Y)(%) 0.30
PBNY's Revenue Growth (3Y)(%) is ranked lower than
65% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. PBNY: 0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBNY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 7.6 Max: 52
Current: 0.3
0
52
EBITDA Growth (3Y)(%) 7.70
PBNY's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. PBNY: 7.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBNY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.8 Max: 67.3
Current: 7.7
0
67.3
EPS Growth (3Y)(%) 4.90
PBNY's EPS Growth (3Y)(%) is ranked lower than
58% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. PBNY: 4.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PBNY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 7.6 Max: 45.1
Current: 4.9
0
45.1
» PBNY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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PBNY Guru Trades in

Q2 2014

PBNY Guru Trades in Q2 2014

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Jim Simons Sold Out
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» Details

Insider Trades

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:STBA, NAS:BPFH, NAS:WSFS, NAS:SRCE, NYSE:FBP, NYSE:FCF, NYSE:BANC, NAS:LKFN, NAS:FRME, NAS:BUSE, NAS:HTLF, NAS:BANF, AMEX:TMP, NAS:CSFL, NAS:HAFC, NAS:SBSI, NAS:BRKL, NAS:BNCL, NAS:WIBC, NAS:STBZ » details
Traded in other countries:PVDA.Germany,
Sterling Bancorp is a bank holding company. It provides banking services to commercial, consumer and municipal clients in United States.

Sterling Bancorp formerly known as Provident New York Bancorp is a Delaware corporation. On October 31, 2013, Provident New York Bancorp completed its acquisition of Sterling Bancorp. It is a unitary savings and loan holding company. It owns all of the outstanding shares of common stock of Sterling National Bank. It is a full-service bank which offers a complete line of commercial, business banking, wealth management and consumer banking products and services. Its main business is accepting deposits and together with funds generated from operations and borrowings, investing in various types of loans and securities. The Company operates approximately 35 financial centers which serve the greater New York metropolitan area. It operates commercial real estate loans, multifamily real estate and commercial business loans. It also originates residential mortgage loans on a fixed-rate and adjustable-rate basis collateralized by residential real estate and consumer loans such as home equity lines of credit, homeowner loans and personal loans. Deposits, borrowings, repayments and prepayments of loans and securities, proceeds from sales of loans and securities, the proceeds from maturing securities and cash flows from operations are the primary sources of the Company's funds for use in lending, investing and for other general corporate purposes. The Company offers a variety of deposit accounts with a range of interest rates and terms. Its deposit accounts consist of savings accounts, NOW accounts, checking accounts, money market accounts, club accounts, certificates of deposit and IRAs and other qualified plan accounts. It provides a variety of commercial checking accounts and other products for businesses. The competition for loans comes from commercial banks, savings banks, mortgage banking companies, credit unions, insurance companies and other financial service companies. The Company faces additional competition for deposits from non-depository competitors such as the mutual fund industry, securities and brokerage firms and insurance companies. It is supervised and regulated by the Board of Governors of the Federal Reserve System.

Ratios

vs
industry
vs
history
P/E(ttm) 18.48
PBNY's P/E(ttm) is ranked lower than
73% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. PBNY: 18.48 )
Ranked among companies with meaningful P/E(ttm) only.
PBNY' s P/E(ttm) Range Over the Past 10 Years
Min: 11.27  Med: 21.72 Max: 67.63
Current: 18.48
11.27
67.63
Forward P/E 13.95
PBNY's Forward P/E is ranked lower than
66% of the 369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.63 vs. PBNY: 13.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.48
PBNY's PE(NRI) is ranked lower than
73% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. PBNY: 18.48 )
Ranked among companies with meaningful PE(NRI) only.
PBNY' s PE(NRI) Range Over the Past 10 Years
Min: 11.27  Med: 21.72 Max: 67.63
Current: 18.48
11.27
67.63
Price/Owner Earnings (ttm) 16.05
PBNY's Price/Owner Earnings (ttm) is ranked lower than
65% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. PBNY: 16.05 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PBNY' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.23  Med: 21.02 Max: 1460
Current: 16.05
6.23
1460
P/B 1.31
PBNY's P/B is ranked lower than
68% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. PBNY: 1.31 )
Ranked among companies with meaningful P/B only.
PBNY' s P/B Range Over the Past 10 Years
Min: 0.5  Med: 1.1 Max: 1.62
Current: 1.31
0.5
1.62
P/S 4.78
PBNY's P/S is ranked lower than
79% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. PBNY: 4.78 )
Ranked among companies with meaningful P/S only.
PBNY' s P/S Range Over the Past 10 Years
Min: 1.78  Med: 3.87 Max: 6.37
Current: 4.78
1.78
6.37
PFCF 12.68
PBNY's PFCF is ranked lower than
59% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. PBNY: 12.68 )
Ranked among companies with meaningful PFCF only.
PBNY' s PFCF Range Over the Past 10 Years
Min: 7.03  Med: 17.11 Max: 11250
Current: 12.68
7.03
11250
POCF 12.26
PBNY's POCF is ranked lower than
67% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. PBNY: 12.26 )
Ranked among companies with meaningful POCF only.
PBNY' s POCF Range Over the Past 10 Years
Min: 5.66  Med: 14.3 Max: 1951.11
Current: 12.26
5.66
1951.11
EV-to-EBIT 18.80
PBNY's EV-to-EBIT is ranked lower than
69% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. PBNY: 18.80 )
Ranked among companies with meaningful EV-to-EBIT only.
PBNY' s EV-to-EBIT Range Over the Past 10 Years
Min: 6  Med: 29.3 Max: 177.2
Current: 18.8
6
177.2
EV-to-EBITDA 16.76
PBNY's EV-to-EBITDA is ranked lower than
68% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. PBNY: 16.76 )
Ranked among companies with meaningful EV-to-EBITDA only.
PBNY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 23.3 Max: 75.3
Current: 16.76
5
75.3
PEG 5.00
PBNY's PEG is ranked lower than
88% of the 740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. PBNY: 5.00 )
Ranked among companies with meaningful PEG only.
PBNY' s PEG Range Over the Past 10 Years
Min: 1.01  Med: 1.77 Max: 28.32
Current: 5
1.01
28.32
Shiller P/E 30.10
PBNY's Shiller P/E is ranked lower than
83% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. PBNY: 30.10 )
Ranked among companies with meaningful Shiller P/E only.
PBNY' s Shiller P/E Range Over the Past 10 Years
Min: 11.27  Med: 20.17 Max: 35.44
Current: 30.1
11.27
35.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.19
PBNY's Dividend Yield is ranked lower than
77% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. PBNY: 2.19 )
Ranked among companies with meaningful Dividend Yield only.
PBNY' s Dividend Yield Range Over the Past 10 Years
Min: 1.29  Med: 2.09 Max: 4.17
Current: 2.19
1.29
4.17
Dividend Payout 1.88
PBNY's Dividend Payout is ranked higher than
58% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. PBNY: 1.88 )
Ranked among companies with meaningful Dividend Payout only.
PBNY' s Dividend Payout Range Over the Past 10 Years
Min: 0.12  Med: 0.38 Max: 1.88
Current: 1.88
0.12
1.88
Dividend Growth (3y) 5.30
PBNY's Dividend Growth (3y) is ranked lower than
61% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. PBNY: 5.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
PBNY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 6.3 Max: 88
Current: 5.3
0
88
Yield on cost (5-Year) 2.58
PBNY's Yield on cost (5-Year) is ranked lower than
74% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. PBNY: 2.58 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PBNY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.52  Med: 2.46 Max: 4.9
Current: 2.58
1.52
4.9
3-Year Average Share Buyback Ratio -43.30
PBNY's 3-Year Average Share Buyback Ratio is ranked lower than
95% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. PBNY: -43.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PBNY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -43.3  Med: -1.3 Max: 0
Current: -43.3
-43.3
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.35
PBNY's Price/Tangible Book is ranked lower than
88% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PBNY: 2.35 )
Ranked among companies with meaningful Price/Tangible Book only.
PBNY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.83  Med: 1.94 Max: 3.53
Current: 2.35
0.83
3.53
Price/Projected FCF 1.17
PBNY's Price/Projected FCF is ranked lower than
84% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. PBNY: 1.17 )
Ranked among companies with meaningful Price/Projected FCF only.
PBNY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.88 Max: 4.13
Current: 1.17
0.41
4.13
Price/Median PS Value 1.24
PBNY's Price/Median PS Value is ranked lower than
74% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. PBNY: 1.24 )
Ranked among companies with meaningful Price/Median PS Value only.
PBNY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.47  Med: 1.1 Max: 1.8
Current: 1.24
0.47
1.8
Price/Peter Lynch Fair Value 1.58
PBNY's Price/Peter Lynch Fair Value is ranked lower than
75% of the 385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. PBNY: 1.58 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PBNY' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.02  Med: 1.74 Max: 4.27
Current: 1.58
1.02
4.27
Price/Graham Number 1.38
PBNY's Price/Graham Number is ranked lower than
85% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. PBNY: 1.38 )
Ranked among companies with meaningful Price/Graham Number only.
PBNY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.81  Med: 1.45 Max: 2.51
Current: 1.38
0.81
2.51
Earnings Yield (Greenblatt) (%) 5.30
PBNY's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. PBNY: 5.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PBNY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 3.4 Max: 16.8
Current: 5.3
0.6
16.8
Forward Rate of Return (Yacktman) (%) 16.18
PBNY's Forward Rate of Return (Yacktman) (%) is ranked higher than
62% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. PBNY: 16.18 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PBNY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -7.7  Med: 8.45 Max: 25.5
Current: 16.18
-7.7
25.5

More Statistics

Short Percentage of Float2.73%
52-Week Range $10.00 - 13.52
Shares Outstanding (Mil)83.59

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