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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 0.14
PBNY's Cash-to-Debt is ranked lower than
91% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. PBNY: 0.14 )
Ranked among companies with meaningful Cash-to-Debt only.
PBNY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.2 Max: 2.68
Current: 0.14
0.07
2.68
Equity-to-Asset 0.13
PBNY's Equity-to-Asset is ranked higher than
79% of the 1372 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: 0.08  Med: 0.13 Max: 0.19
Current: 0.13
0.08
0.19
Interest Coverage 3.62
PBNY's Interest Coverage is ranked higher than
72% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. PBNY: 3.62 )
Ranked among companies with meaningful Interest Coverage only.
PBNY' s Interest Coverage Range Over the Past 10 Years
Min: 0.42  Med: 1.17 Max: 3.62
Current: 3.62
0.42
3.62
Piotroski F-Score: 3
Beneish M-Score: -2.18
WACC vs ROIC
6.90%
4.64%
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 % 43.63
PBNY's Operating Margin % is ranked higher than
78% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. PBNY: 43.63 )
Ranked among companies with meaningful Operating Margin % only.
PBNY' s Operating Margin % Range Over the Past 10 Years
Min: 12  Med: 26.21 Max: 43.63
Current: 43.63
12
43.63
Net Margin % 29.45
PBNY's Net Margin % is ranked higher than
72% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. PBNY: 29.45 )
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: 29.45
Current: 29.45
9.68
29.45
ROE % 8.03
PBNY's ROE % is ranked lower than
53% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. PBNY: 8.03 )
Ranked among companies with meaningful ROE % only.
PBNY' s ROE % Range Over the Past 10 Years
Min: 2.72  Med: 4.94 Max: 8.03
Current: 8.03
2.72
8.03
ROA % 1.07
PBNY's ROA % is ranked higher than
67% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PBNY: 1.07 )
Ranked among companies with meaningful ROA % only.
PBNY' s ROA % Range Over the Past 10 Years
Min: 0.38  Med: 0.69 Max: 1.07
Current: 1.07
0.38
1.07
3-Year Revenue Growth Rate 4.30
PBNY's 3-Year Revenue Growth Rate is ranked higher than
53% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. PBNY: 4.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PBNY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 7.5 Max: 21.2
Current: 4.3
0
21.2
3-Year EBITDA Growth Rate 20.20
PBNY's 3-Year EBITDA Growth Rate is ranked higher than
82% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. PBNY: 20.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PBNY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.25 Max: 33.4
Current: 20.2
0
33.4
3-Year EPS without NRI Growth Rate 22.60
PBNY's 3-Year EPS without NRI Growth Rate is ranked higher than
82% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PBNY: 22.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PBNY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.7 Max: 45.1
Current: 22.6
0
45.1
GuruFocus has detected 7 Warning Signs with Provident New York Bancorp $PBNY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PBNY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:CHCO, NYSE:CPF, NAS:SBSI, NAS:STBZ, NAS:SYBT, NYSE:BANC, NAS:CFNL, NAS:LBAI, NAS:SASR, NAS:WASH, NAS:EFSC, NAS:NFBK, NAS:HAFC, NAS:SBCF, NAS:PPBI, NAS:TCBK, NAS:MSFG, NAS:LKFN, NAS:BRKL, NAS:CTBI » 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
PE Ratio 23.18
PBNY's PE Ratio is ranked lower than
82% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. PBNY: 23.18 )
Ranked among companies with meaningful PE Ratio only.
PBNY' s PE Ratio Range Over the Past 10 Years
Min: 11.27  Med: 21.34 Max: 67.63
Current: 23.18
11.27
67.63
Forward PE Ratio 18.87
PBNY's Forward PE Ratio is ranked lower than
76% of the 388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.18 vs. PBNY: 18.87 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 23.18
PBNY's PE Ratio without NRI is ranked lower than
82% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. PBNY: 23.18 )
Ranked among companies with meaningful PE Ratio without NRI only.
PBNY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.27  Med: 21.34 Max: 67.63
Current: 23.18
11.27
67.63
Price-to-Owner-Earnings 21.11
PBNY's Price-to-Owner-Earnings is ranked lower than
71% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. PBNY: 21.11 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PBNY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.23  Med: 21.1 Max: 1460
Current: 21.11
6.23
1460
PB Ratio 1.81
PBNY's PB Ratio is ranked lower than
81% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PBNY: 1.81 )
Ranked among companies with meaningful PB Ratio only.
PBNY' s PB Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.11 Max: 1.83
Current: 1.81
0.5
1.83
PS Ratio 6.85
PBNY's PS Ratio is ranked lower than
90% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. PBNY: 6.85 )
Ranked among companies with meaningful PS Ratio only.
PBNY' s PS Ratio Range Over the Past 10 Years
Min: 1.78  Med: 3.87 Max: 6.93
Current: 6.85
1.78
6.93
Price-to-Free-Cash-Flow 43.82
PBNY's Price-to-Free-Cash-Flow is ranked lower than
91% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. PBNY: 43.82 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PBNY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.03  Med: 16.7 Max: 11250
Current: 43.82
7.03
11250
Price-to-Operating-Cash-Flow 42.61
PBNY's Price-to-Operating-Cash-Flow is ranked lower than
93% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. PBNY: 42.61 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PBNY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.66  Med: 14.71 Max: 1951.11
Current: 42.61
5.66
1951.11
EV-to-EBIT 24.67
PBNY's EV-to-EBIT is ranked lower than
80% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. PBNY: 24.67 )
Ranked among companies with meaningful EV-to-EBIT only.
PBNY' s EV-to-EBIT Range Over the Past 10 Years
Min: 6  Med: 28.6 Max: 177.2
Current: 24.67
6
177.2
EV-to-EBITDA 22.63
PBNY's EV-to-EBITDA is ranked lower than
81% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. PBNY: 22.63 )
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: 22.63
5
75.3
PEG Ratio 1.36
PBNY's PEG Ratio is ranked higher than
54% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.55 vs. PBNY: 1.36 )
Ranked among companies with meaningful PEG Ratio only.
PBNY' s PEG Ratio Range Over the Past 10 Years
Min: 0.99  Med: 1.77 Max: 28.32
Current: 1.36
0.99
28.32
Shiller PE Ratio 40.54
PBNY's Shiller PE Ratio is ranked lower than
85% of the 490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.81 vs. PBNY: 40.54 )
Ranked among companies with meaningful Shiller PE Ratio only.
PBNY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.27  Med: 20.82 Max: 41.15
Current: 40.54
11.27
41.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.19
PBNY's Dividend Yield % is ranked lower than
85% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. PBNY: 2.19 )
Ranked among companies with meaningful Dividend Yield % only.
PBNY' s Dividend Yield % Range Over the Past 10 Years
Min: 1.12  Med: 2.09 Max: 4.17
Current: 2.19
1.12
4.17
Dividend Payout Ratio 1.88
PBNY's Dividend Payout Ratio is ranked higher than
96% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. PBNY: 1.88 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PBNY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.43 Max: 1.88
Current: 1.88
0.26
1.88
3-Year Dividend Growth Rate 5.30
PBNY's 3-Year Dividend Growth Rate is ranked lower than
59% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. PBNY: 5.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
PBNY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.3 Max: 88
Current: 5.3
0
88
5-Year Yield-on-Cost % 2.65
PBNY's 5-Year Yield-on-Cost % is ranked lower than
84% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. PBNY: 2.65 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PBNY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.36  Med: 2.53 Max: 5.05
Current: 2.65
1.36
5.05
3-Year Average Share Buyback Ratio -45.00
PBNY's 3-Year Average Share Buyback Ratio is ranked lower than
96% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. PBNY: -45.00 )
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: -45  Med: -2.5 Max: 0
Current: -45
-45
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.07
PBNY's Price-to-Tangible-Book is ranked lower than
94% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. PBNY: 3.07 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PBNY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.83  Med: 1.86 Max: 3.23
Current: 3.07
0.83
3.23
Price-to-Intrinsic-Value-Projected-FCF 1.67
PBNY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
88% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. PBNY: 1.67 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PBNY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.87 Max: 1.67
Current: 1.67
0.39
1.67
Price-to-Median-PS-Value 1.78
PBNY's Price-to-Median-PS-Value is ranked lower than
87% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. PBNY: 1.78 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PBNY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.47  Med: 1.13 Max: 1.78
Current: 1.78
0.47
1.78
Price-to-Peter-Lynch-Fair-Value 1.25
PBNY's Price-to-Peter-Lynch-Fair-Value is ranked lower than
54% of the 420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. PBNY: 1.25 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PBNY' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.15  Med: 1.79 Max: 2.2
Current: 1.25
1.15
2.2
Price-to-Graham-Number 1.78
PBNY's Price-to-Graham-Number is ranked lower than
93% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. PBNY: 1.78 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PBNY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.83  Med: 1.52 Max: 2.05
Current: 1.78
0.83
2.05
Earnings Yield (Greenblatt) % 4.10
PBNY's Earnings Yield (Greenblatt) % is ranked lower than
60% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. PBNY: 4.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PBNY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 3.5 Max: 16.8
Current: 4.1
0.6
16.8
Forward Rate of Return (Yacktman) % 21.30
PBNY's Forward Rate of Return (Yacktman) % is ranked higher than
75% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. PBNY: 21.30 )
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: 8.7 Max: 25.5
Current: 21.3
-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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