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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.20
STL's Cash to Debt is ranked lower than
83% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. STL: 0.20 )
Ranked among companies with meaningful Cash to Debt only.
STL' s 10-Year Cash to Debt Range
Min: 0.06  Med: 0.18 Max: N/A
Current: 0.2
Equity to Asset 0.14
STL's Equity to Asset is ranked higher than
80% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. STL: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
STL' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.14 Max: 0.2
Current: 0.14
0.07
0.2
Interest Coverage 1.84
STL's Interest Coverage is ranked lower than
54% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. STL: 1.84 )
Ranked among companies with meaningful Interest Coverage only.
STL' s 10-Year Interest Coverage Range
Min: 0.27  Med: 0.88 Max: 1.84
Current: 1.84
0.27
1.84
F-Score: 5
WACC vs ROIC
8.82%
4.65%
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 (%) 29.54
STL's Operating margin (%) is ranked lower than
51% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. STL: 29.54 )
Ranked among companies with meaningful Operating margin (%) only.
STL' s 10-Year Operating margin (%) Range
Min: -389.1  Med: 26.58 Max: 31.83
Current: 29.54
-389.1
31.83
Net-margin (%) 20.64
STL's Net-margin (%) is ranked lower than
54% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. STL: 20.64 )
Ranked among companies with meaningful Net-margin (%) only.
STL' s 10-Year Net-margin (%) Range
Min: 9.68  Med: 18.87 Max: 88.06
Current: 20.64
9.68
88.06
ROE (%) 6.02
STL's ROE (%) is ranked lower than
65% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. STL: 6.02 )
Ranked among companies with meaningful ROE (%) only.
STL' s 10-Year ROE (%) Range
Min: 2.72  Med: 5.36 Max: 9.84
Current: 6.02
2.72
9.84
ROA (%) 0.81
STL's ROA (%) is ranked lower than
51% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. STL: 0.81 )
Ranked among companies with meaningful ROA (%) only.
STL' s 10-Year ROA (%) Range
Min: 0.38  Med: 0.73 Max: 1.02
Current: 0.81
0.38
1.02
ROC (Joel Greenblatt) (%) 177.48
STL's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. STL: 177.48 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
STL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 8.46  Med: 49.76 Max: 154.9
Current: 177.48
8.46
154.9
Revenue Growth (3Y)(%) 0.30
STL's Revenue Growth (3Y)(%) is ranked lower than
66% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. STL: 0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
STL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 9.60 Max: 21.2
Current: 0.3
0
21.2
EBITDA Growth (3Y)(%) 2.20
STL's EBITDA Growth (3Y)(%) is ranked lower than
83% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. STL: 2.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
STL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 5.00 Max: 32.3
Current: 2.2
0
32.3
EPS Growth (3Y)(%) 2.40
STL's EPS Growth (3Y)(%) is ranked lower than
81% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. STL: 2.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
STL' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 9.60 Max: 46
Current: 2.4
0
46
» STL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

STL Guru Trades in Q3 2014

Jim Simons 258,817 sh (+95.93%)
Mario Gabelli 1,040,964 sh (+1.93%)
Prem Watsa 25,000 sh (unchged)
Diamond Hill Capital 883,635 sh (-0.06%)
Kahn Brothers 1,388,492 sh (-0.60%)
Private Capital 237,922 sh (-3.22%)
» More
Q4 2014

STL Guru Trades in Q4 2014

Jim Simons 420,097 sh (+62.31%)
Prem Watsa 25,000 sh (unchged)
Diamond Hill Capital 883,065 sh (-0.06%)
Private Capital 233,082 sh (-2.03%)
Mario Gabelli 1,001,525 sh (-3.79%)
Kahn Brothers 1,283,584 sh (-7.56%)
» More
Q1 2015

STL Guru Trades in Q1 2015

Jim Simons 429,897 sh (+2.33%)
Prem Watsa 25,000 sh (unchged)
Private Capital 232,007 sh (-0.46%)
Mario Gabelli 967,824 sh (-3.36%)
Diamond Hill Capital 826,650 sh (-6.39%)
Kahn Brothers 1,072,309 sh (-16.46%)
» More
Q2 2015

STL Guru Trades in Q2 2015

Kahn Brothers 1,060,827 sh (-1.07%)
» More
» Details

Insider Trades

Latest Guru Trades with STL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 26.38
STL's P/E(ttm) is ranked lower than
84% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. STL: 26.38 )
Ranked among companies with meaningful P/E(ttm) only.
STL' s 10-Year P/E(ttm) Range
Min: 11.3  Med: 23.53 Max: 66.93
Current: 26.38
11.3
66.93
PE(NRI) 26.30
STL's PE(NRI) is ranked lower than
85% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. STL: 26.30 )
Ranked among companies with meaningful PE(NRI) only.
STL' s 10-Year PE(NRI) Range
Min: 11.27  Med: 23.37 Max: 67.63
Current: 26.3
11.27
67.63
P/B 1.27
STL's P/B is ranked lower than
59% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. STL: 1.27 )
Ranked among companies with meaningful P/B only.
STL' s 10-Year P/B Range
Min: 0.5  Med: 1.11 Max: 1.62
Current: 1.27
0.5
1.62
P/S 4.52
STL's P/S is ranked lower than
85% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. STL: 4.52 )
Ranked among companies with meaningful P/S only.
STL' s 10-Year P/S Range
Min: 1.78  Med: 3.89 Max: 6.89
Current: 4.52
1.78
6.89
PFCF 16.02
STL's PFCF is ranked lower than
66% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. STL: 16.02 )
Ranked among companies with meaningful PFCF only.
STL' s 10-Year PFCF Range
Min: 7.04  Med: 17.23 Max: 562.5
Current: 16.02
7.04
562.5
POCF 15.68
STL's POCF is ranked lower than
73% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. STL: 15.68 )
Ranked among companies with meaningful POCF only.
STL' s 10-Year POCF Range
Min: 5.6  Med: 14.29 Max: 140.63
Current: 15.68
5.6
140.63
EV-to-EBIT 31.06
STL's EV-to-EBIT is ranked lower than
83% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. STL: 31.06 )
Ranked among companies with meaningful EV-to-EBIT only.
STL' s 10-Year EV-to-EBIT Range
Min: 5.9  Med: 29.60 Max: 177.2
Current: 31.06
5.9
177.2
Shiller P/E 28.66
STL's Shiller P/E is ranked lower than
80% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. STL: 28.66 )
Ranked among companies with meaningful Shiller P/E only.
STL' s 10-Year Shiller P/E Range
Min: 10.45  Med: 23.82 Max: 49.11
Current: 28.66
10.45
49.11
Days Sales Outstanding 27.54
STL's Days Sales Outstanding is ranked higher than
63% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. STL: 27.54 )
Ranked among companies with meaningful Days Sales Outstanding only.
STL' s 10-Year Days Sales Outstanding Range
Min: 28.56  Med: 37.26 Max: 309.69
Current: 27.54
28.56
309.69

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.89
STL's Dividend Yield is ranked lower than
65% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. STL: 1.89 )
Ranked among companies with meaningful Dividend Yield only.
STL' s 10-Year Dividend Yield Range
Min: 1.13  Med: 2.05 Max: 4.17
Current: 1.89
1.13
4.17
Dividend Payout 0.79
STL's Dividend Payout is ranked lower than
90% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. STL: 0.79 )
Ranked among companies with meaningful Dividend Payout only.
STL' s 10-Year Dividend Payout Range
Min: 0.12  Med: 0.39 Max: 1.2
Current: 0.79
0.12
1.2
Yield on cost (5-Year) 1.89
STL's Yield on cost (5-Year) is ranked lower than
64% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. STL: 1.89 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
STL' s 10-Year Yield on cost (5-Year) Range
Min: 1.13  Med: 2.05 Max: 4.17
Current: 1.89
1.13
4.17
Share Buyback Rate -4.70
STL's Share Buyback Rate is ranked higher than
83% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. STL: -4.70 )
Ranked among companies with meaningful Share Buyback Rate only.
STL' s 10-Year Share Buyback Rate Range
Min: 0  Med: 0.40 Max: -7.8
Current: -4.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.16
STL's Price/Tangible Book is ranked lower than
85% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. STL: 2.16 )
Ranked among companies with meaningful Price/Tangible Book only.
STL' s 10-Year Price/Tangible Book Range
Min: 0.83  Med: 1.70 Max: 3.52
Current: 2.16
0.83
3.52
Price/Projected FCF 1.12
STL's Price/Projected FCF is ranked lower than
77% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. STL: 1.12 )
Ranked among companies with meaningful Price/Projected FCF only.
STL' s 10-Year Price/Projected FCF Range
Min: 0.4  Med: 0.82 Max: 1.24
Current: 1.12
0.4
1.24
Price/Median PS Value 1.50
STL's Price/Median PS Value is ranked lower than
83% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. STL: 1.50 )
Ranked among companies with meaningful Price/Median PS Value only.
STL' s 10-Year Price/Median PS Value Range
Min: 0.46  Med: 1.08 Max: 1.78
Current: 1.5
0.46
1.78
Price/Graham Number 1.49
STL's Price/Graham Number is ranked lower than
86% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. STL: 1.49 )
Ranked among companies with meaningful Price/Graham Number only.
STL' s 10-Year Price/Graham Number Range
Min: 0.81  Med: 1.40 Max: 5.22
Current: 1.49
0.81
5.22
Earnings Yield (Greenblatt) (%) 3.19
STL's Earnings Yield (Greenblatt) (%) is ranked lower than
75% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. STL: 3.19 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
STL' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 3.40 Max: 16.9
Current: 3.19
0.6
16.9
Forward Rate of Return (Yacktman) (%) -3.38
STL's Forward Rate of Return (Yacktman) (%) is ranked lower than
79% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. STL: -3.38 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
STL' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -8.2  Med: 10.65 Max: 25.5
Current: -3.38
-8.2
25.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for STL

Headlines

Articles On GuruFocus.com
My first portfolio Apr 01 2015 
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Mario Gabelli’s Top 5 Fourth-Quarter Stock Buys Feb 07 2014 
Diamond Hill Capital Buys 12 New Stocks Feb 05 2014 
Prem Watsa Buys 7 New Stocks Aug 15 2012 
buy, dobre hodnoty Aug 15 2012 
NOI Nov 02 2011 
Provident New York Bancorp Reports Operating Results (10-K) Dec 13 2010 
Provident New York Bancorp (PBNY) President & CEO George Strayton sells 33,702 Shares Nov 24 2010 
Provident New York Bancorp (PBNY) President & CEO George Strayton sells 3,972 Shares Nov 22 2010 

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