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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 No Debt
STL's Cash to Debt is ranked higher than
97% of the 1728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. STL: No Debt )
STL' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: No Debt

Interest Coverage No Debt
STL's Interest Coverage is ranked higher than
97% of the 2154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. STL: No Debt )
STL' s 10-Year Interest Coverage Range
Min: 0.27   Max: 9999.99
Current: No Debt

0.27
9999.99
F-Score: 5
Z-Score: 0.24
WACC vs ROIC
8.84%
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
73% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 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
71% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.25 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
64% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 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
72% of the 2361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 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
86% of the 2323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.11 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)(%) -100.00
STL's Revenue Growth (3Y)(%) is ranked lower than
55% of the 2005 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. STL: -100.00 )
STL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 21.2
Current: -100

0
21.2
EBITDA Growth (3Y)(%) -100.00
STL's EBITDA Growth (3Y)(%) is ranked lower than
53% of the 1815 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. STL: -100.00 )
STL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 32.3
Current: -100

0
32.3
EPS Growth (3Y)(%) -100.00
STL's EPS Growth (3Y)(%) is ranked lower than
53% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. STL: -100.00 )
STL' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 46
Current: -100

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

Private Capital 245,847 sh (New)
Jim Simons 132,097 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 (-0.60%)
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%)
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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 19.00
STL's P/E(ttm) is ranked higher than
68% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.00 vs. STL: 19.00 )
STL' s 10-Year P/E(ttm) Range
Min: 11.3   Max: 66.93
Current: 19

11.3
66.93
PE(NRI) 19.20
STL's PE(NRI) is ranked higher than
72% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.80 vs. STL: 19.20 )
STL' s 10-Year PE(NRI) Range
Min: 11.27   Max: 67.63
Current: 19.2

11.27
67.63
P/B 1.10
STL's P/B is ranked higher than
76% of the 3173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. STL: 1.10 )
STL' s 10-Year P/B Range
Min: 0.5   Max: 1.62
Current: 1.1

0.5
1.62
P/S 3.98
STL's P/S is ranked higher than
62% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. STL: 3.98 )
STL' s 10-Year P/S Range
Min: 1.78   Max: 6.89
Current: 3.98

1.78
6.89
PFCF 10.90
STL's PFCF is ranked higher than
83% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STL: 10.90 )
STL' s 10-Year PFCF Range
Min: 7.17   Max: 562.5
Current: 10.9

7.17
562.5
POCF 11.40
STL's POCF is ranked higher than
81% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 175.50 vs. STL: 11.40 )
STL' s 10-Year POCF Range
Min: 5.6   Max: 140.63
Current: 11.4

5.6
140.63
EV-to-EBIT 22.82
STL's EV-to-EBIT is ranked higher than
68% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.74 vs. STL: 22.82 )
STL' s 10-Year EV-to-EBIT Range
Min: 8   Max: 177.2
Current: 22.82

8
177.2
Shiller P/E 25.40
STL's Shiller P/E is ranked higher than
77% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STL: 25.40 )
STL' s 10-Year Shiller P/E Range
Min: 10.45   Max: 50.93
Current: 25.4

10.45
50.93
Days Sales Outstanding 24.76
STL's Days Sales Outstanding is ranked higher than
93% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STL: 24.76 )
STL' s 10-Year Days Sales Outstanding Range
Min: 28.56   Max: 309.69
Current: 24.76

28.56
309.69

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.14
STL's Dividend Yield is ranked lower than
56% of the 2208 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. STL: 2.14 )
STL' s 10-Year Dividend Yield Range
Min: 1.13   Max: 4.17
Current: 2.14

1.13
4.17
Dividend Payout 0.79
STL's Dividend Payout is ranked higher than
64% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. STL: 0.79 )
STL' s 10-Year Dividend Payout Range
Min: 0.16   Max: 0.77
Current: 0.79

0.16
0.77
Dividend growth (3y) -100.00
STL's Dividend growth (3y) is ranked higher than
55% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. STL: -100.00 )
STL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 88
Current: -100

0
88
Yield on cost (5-Year) 2.10
STL's Yield on cost (5-Year) is ranked lower than
55% of the 2215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. STL: 2.10 )
STL' s 10-Year Yield on cost (5-Year) Range
Min: 1.13   Max: 4.17
Current: 2.1

1.13
4.17
Share Buyback Rate 100.00
STL's Share Buyback Rate is ranked higher than
99% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. STL: 100.00 )
STL' s 10-Year Share Buyback Rate Range
Min: 0   Max: -7.8
Current: 100

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.00
STL's Price/Tangible Book is ranked higher than
66% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. STL: 2.00 )
STL' s 10-Year Price/Tangible Book Range
Min: 0.83   Max: 3.31
Current: 2

0.83
3.31
Price/DCF (Projected) 1.00
STL's Price/DCF (Projected) is ranked lower than
65% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STL: 1.00 )
STL' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 1.24
Current: 1

0.4
1.24
Price/Median PS Value 1.00
STL's Price/Median PS Value is ranked lower than
64% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. STL: 1.00 )
STL' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 1.58
Current: 1

0.46
1.58
Earnings Yield (Greenblatt) 4.30
STL's Earnings Yield (Greenblatt) is ranked higher than
59% of the 2339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. STL: 4.30 )
STL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 12.5
Current: 4.3

0.6
12.5
Forward Rate of Return (Yacktman) -1.81
STL's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. STL: -1.81 )
STL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8.2   Max: 25.3
Current: -1.81

-8.2
25.3

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.
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Headlines

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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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