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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 higher than
56% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. STL: 0.20 )
STL' s 10-Year Cash to Debt Range
Min: 0.07   Max: 1.44
Current: 0.2

0.07
1.44
Equity to Asset 0.13
STL's Equity to Asset is ranked higher than
87% of the 2022 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. STL: 0.13 )
STL' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.19
Current: 0.13

0.08
0.19
Interest Coverage 1.31
STL's Interest Coverage is ranked higher than
69% of the 1874 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. STL: 1.31 )
STL' s 10-Year Interest Coverage Range
Min: 0.27   Max: 1.84
Current: 1.31

0.27
1.84
F-Score: 6
Z-Score: 0.21
WACC vs ROIC
7.90%
4.59%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 29.58
STL's Operating margin (%) is ranked higher than
75% of the 2058 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.81 vs. STL: 29.58 )
STL' s 10-Year Operating margin (%) Range
Min: -389.1   Max: 31.83
Current: 29.58

-389.1
31.83
Net-margin (%) 20.63
STL's Net-margin (%) is ranked higher than
73% of the 2058 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.95 vs. STL: 20.63 )
STL' s 10-Year Net-margin (%) Range
Min: 9.68   Max: 88.06
Current: 20.63

9.68
88.06
ROE (%) 6.18
STL's ROE (%) is ranked higher than
66% of the 2060 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.74 vs. STL: 6.18 )
STL' s 10-Year ROE (%) Range
Min: 2.72   Max: 9.84
Current: 6.18

2.72
9.84
ROA (%) 0.82
STL's ROA (%) is ranked higher than
75% of the 2064 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. STL: 0.82 )
STL' s 10-Year ROA (%) Range
Min: 0.38   Max: 1.02
Current: 0.82

0.38
1.02
ROC (Joel Greenblatt) (%) 177.77
STL's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.79 vs. STL: 177.77 )
STL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 8.46   Max: 154.9
Current: 177.77

8.46
154.9
Revenue Growth (3Y)(%) 0.50
STL's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1734 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. STL: 0.50 )
STL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 21.2
Current: 0.5

0
21.2
EBITDA Growth (3Y)(%) 4.30
STL's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. STL: 4.30 )
STL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 32.3
Current: 4.3

0
32.3
EPS Growth (3Y)(%) 3.10
STL's EPS Growth (3Y)(%) is ranked higher than
69% of the 1572 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 vs. STL: 3.10 )
STL' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 46
Current: 3.1

0
46
» STL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

STL Guru Trades in Q1 2014

Irving Kahn 1,336,371 sh (+17.98%)
Mario Gabelli 1,019,005 sh (+2.17%)
Prem Watsa 25,000 sh (unchged)
Diamond Hill Capital 882,549 sh (-0.58%)
» More
Q2 2014

STL Guru Trades in Q2 2014

Jim Simons 132,097 sh (New)
Private Capital 245,847 sh (New)
Irving Kahn 1,396,823 sh (+4.52%)
Mario Gabelli 1,021,232 sh (+0.22%)
Diamond Hill Capital 884,135 sh (+0.18%)
Prem Watsa 25,000 sh (unchged)
» More
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%)
Irving Kahn 1,388,492 sh (-0.6%)
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%)
Irving Kahn 1,283,584 sh (-7.56%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Irving Kahn 2014-12-31 Reduce -7.56%0.22%$12.55 - $14.49 $ 13.721%1283584
Private Capital 2014-06-30 New Buy0.34%$11.05 - $12.92 $ 13.7216%245847
Private Capital 2013-12-31 Sold Out 0.26%$11.77 - $14.75 $ 13.72-2%0
Mario Gabelli 2013-12-31 Sold Out 0.06%$11.77 - $14.75 $ 13.72-2%0
Prem Watsa 2013-12-31 Sold Out 0.02%$11.77 - $14.75 $ 13.72-2%0
Mario Gabelli 2013-06-30 Add 24.64%0.01%$9.95 - $12.11 $ 13.7220%791201
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 46.50
STL's P/E(ttm) is ranked higher than
66% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. STL: 46.50 )
STL' s 10-Year P/E(ttm) Range
Min: 11.3   Max: 66.93
Current: 46.5

11.3
66.93
PE(NRI) 47.30
STL's PE(NRI) is ranked higher than
66% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. STL: 47.30 )
STL' s 10-Year PE(NRI) Range
Min: 11.27   Max: 67.63
Current: 47.3

11.27
67.63
P/B 1.18
STL's P/B is ranked higher than
75% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.32 vs. STL: 1.18 )
STL' s 10-Year P/B Range
Min: 0.5   Max: 1.62
Current: 1.18

0.5
1.62
P/S 4.17
STL's P/S is ranked higher than
69% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.63 vs. STL: 4.17 )
STL' s 10-Year P/S Range
Min: 1.78   Max: 7.02
Current: 4.17

1.78
7.02
PFCF 9.15
STL's PFCF is ranked higher than
88% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. STL: 9.15 )
STL' s 10-Year PFCF Range
Min: 7.04   Max: 562.5
Current: 9.15

7.04
562.5
POCF 8.85
STL's POCF is ranked higher than
86% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.89 vs. STL: 8.85 )
STL' s 10-Year POCF Range
Min: 5.6   Max: 140.63
Current: 8.85

5.6
140.63
EV-to-EBIT 49.37
STL's EV-to-EBIT is ranked higher than
62% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.45 vs. STL: 49.37 )
STL' s 10-Year EV-to-EBIT Range
Min: 5.9   Max: 177.2
Current: 49.37

5.9
177.2
Shiller P/E 26.54
STL's Shiller P/E is ranked higher than
81% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. STL: 26.54 )
STL' s 10-Year Shiller P/E Range
Min: 10.45   Max: 50.93
Current: 26.54

10.45
50.93
Days Sales Outstanding 24.76
STL's Days Sales Outstanding is ranked higher than
93% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. STL: 24.76 )
STL' s 10-Year Days Sales Outstanding Range
Min: 27.05   Max: 309.69
Current: 24.76

27.05
309.69

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.04
STL's Dividend Yield is ranked lower than
56% of the 1919 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.37 vs. STL: 2.04 )
STL' s 10-Year Dividend Yield Range
Min: 1.13   Max: 4.17
Current: 2.04

1.13
4.17
Dividend Payout 0.79
STL's Dividend Payout is ranked higher than
61% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. STL: 0.79 )
STL' s 10-Year Dividend Payout Range
Min: 0.16   Max: 0.79
Current: 0.79

0.16
0.79
Dividend growth (3y) 4.00
STL's Dividend growth (3y) is ranked higher than
76% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. STL: 4.00 )
STL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 88
Current: 4

0
88
Yield on cost (5-Year) 2.25
STL's Yield on cost (5-Year) is ranked lower than
55% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. STL: 2.25 )
STL' s 10-Year Yield on cost (5-Year) Range
Min: 1.27   Max: 4.7
Current: 2.25

1.27
4.7
Share Buyback Rate -29.10
STL's Share Buyback Rate is ranked higher than
53% of the 1464 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.30 vs. STL: -29.10 )
STL' s 10-Year Share Buyback Rate Range
Min: 0   Max: -29.1
Current: -29.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.12
STL's Price/Tangible Book is ranked higher than
66% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.51 vs. STL: 2.12 )
STL' s 10-Year Price/Tangible Book Range
Min: 0.83   Max: 3.31
Current: 2.12

0.83
3.31
Price/DCF (Projected) 1.03
STL's Price/DCF (Projected) is ranked higher than
79% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.55 vs. STL: 1.03 )
STL' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 1.24
Current: 1.03

0.4
1.24
Price/Median PS Value 1.07
STL's Price/Median PS Value is ranked higher than
82% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. STL: 1.07 )
STL' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 1.58
Current: 1.07

0.46
1.58
Price/Graham Number 2.01
STL's Price/Graham Number is ranked higher than
66% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. STL: 2.01 )
STL' s 10-Year Price/Graham Number Range
Min: 0.83   Max: 2.11
Current: 2.01

0.83
2.11
Earnings Yield (Greenblatt) 2.00
STL's Earnings Yield (Greenblatt) is ranked higher than
56% of the 2048 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. STL: 2.00 )
STL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 16.9
Current: 2

0.6
16.9
Forward Rate of Return (Yacktman) -6.12
STL's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1311 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.44 vs. STL: -6.12 )
STL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8.2   Max: 30.6
Current: -6.12

-8.2
30.6

Analyst Estimate

Sep15
EPS($) 0.82
EPS without NRI($) 0.82

Business Description

Industry: Banks » Savings & Cooperative Banks
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

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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 
Provident New York Bancorp Reports Operating Results (10-Q) Aug 06 2010 

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