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11.49 (1y: +18%)
Market Cap 359.07 M P/E(ttm) 17.00
Enterprise Value 506.73 M P/B 1.50
STL- NYSE (USA)
Sterling Bancorp
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$11.49
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GuruFocus Financial Strength Rank measures how strong a companyย’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 1.066
STL's Cash to Debt is ranked higher than
73% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. STL: 1.066 )
STL' s 10-Year Cash to Debt Range
Min: 0.13   Max: 1.07
Current: 1.07
0.13
1.07
Equity to Asset 0.083
STL's Equity to Asset is ranked higher than
57% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. STL: 0.083 )
STL' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.09
Current: 0.08
0.06
0.09
Interest Coverage No Debt
STL's Interest Coverage is ranked higher than
78% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. STL: No Debt )
STL' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.3
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 21.20
STL's Operating margin (%) is ranked higher than
65% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. STL: 21.20 )
STL' s 10-Year Operating margin (%) Range
Min: 7.1   Max: 36.5
Current: 21.2
7.1
36.5
Net-margin (%) 14.9
STL's Net-margin (%) is ranked higher than
64% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. STL: 14.9 )
STL' s 10-Year Net-margin (%) Range
Min: 5.4   Max: 22.7
Current: 14.9
5.4
22.7
ROE (%) 8.8
STL's ROE (%) is ranked higher than
79% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. STL: 8.8 )
STL' s 10-Year ROE (%) Range
Min: 3.2   Max: 16.9
Current: 8.8
3.2
16.9
ROA (%) 0.7
STL's ROA (%) is ranked higher than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. STL: 0.7 )
STL' s 10-Year ROA (%) Range
Min: 0.3   Max: 1.4
Current: 0.7
0.3
1.4
Revenue Growth (%) -11.8
STL's Revenue Growth (%) is ranked lower than
64% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STL: -11.8 )
STL' s 10-Year Revenue Growth (%) Range
Min: -11.8   Max: 10.2
Current: -11.8
-11.8
10.2
EBITDA Growth (%) 3.6
STL's EBITDA Growth (%) is ranked higher than
80% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STL: 3.6 )
STL' s 10-Year EBITDA Growth (%) Range
Min: -24.5   Max: 8.2
Current: 3.6
-24.5
8.2
EPS Growth (%) 15.1
STL's EPS Growth (%) is ranked higher than
89% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STL: 15.1 )
STL' s 10-Year EPS Growth (%) Range
Min: -30.9   Max: 15.1
Current: 15.1
-30.9
15.1
ยป STL's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

STL Guru Trades in Q2 2012

Jim Simons 32,700 sh (+194.59%)
Mario Gabelli 638,279 sh (+1.95%)
Diamond Hill Capital 699,917 sh (+0.31%)
Chuck Royce 236,800 sh (-28.49%)
» More
Q3 2012

STL Guru Trades in Q3 2012

Jim Simons 45,400 sh (+38.84%)
Diamond Hill Capital 818,952 sh (+17.01%)
Mario Gabelli 639,829 sh (+0.24%)
Chuck Royce 85,600 sh (-63.85%)
» More
Q4 2012

STL Guru Trades in Q4 2012

Jim Simons 76,673 sh (+68.88%)
Chuck Royce Sold Out
Diamond Hill Capital 817,827 sh (-0.14%)
Mario Gabelli 623,379 sh (-2.57%)
» More
Q1 2013

STL Guru Trades in Q1 2013

Mario Gabelli 634,779 sh (+1.83%)
Diamond Hill Capital 738,987 sh (-9.64%)
Jim Simons 60,800 sh (-20.7%)
» More
» Details

Insider Trades

Latest Guru Trades with STL

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Mario Gabelli 2011-03-31 Reduce -35.56%0.03%$9.48 - $10.73 $ 11.4914%767695
Mario Gabelli 2010-09-30 Add 48.96%0.02%$8.39 - $10.28 $ 11.4926%1229695
Mario Gabelli 2010-06-30 Reduce -35.48%0.02%$8.99 - $10.93 $ 11.4916%825495
Premium More recent guru trades are included for Premium Members only!!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 17.00
STL's P/E(ttm) is ranked higher than
50% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.60 vs. STL: 17.00 )
STL' s 10-Year P/E(ttm) Range
Min: 8.39   Max: 57.17
Current: 17
8.39
57.17
P/B 1.50
STL's P/B is ranked lower than
59% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. STL: 1.50 )
STL' s 10-Year P/B Range
Min: 0.89   Max: 3.63
Current: 1.5
0.89
3.63
P/S 2.59
STL's P/S is ranked higher than
61% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. STL: 2.59 )
STL' s 10-Year P/S Range
Min: 0.87   Max: 4.81
Current: 2.59
0.87
4.81
EV-to-EBIT 17.2
STL's EV-to-EBIT is ranked higher than
59% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. STL: 17.2 )
STL' s 10-Year EV-to-EBIT Range
Min: 5.5   Max: 57.7
Current: 17.2
5.5
57.7
Shiller P/E 18.7
STL's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. STL: 18.7 )
STL' s 10-Year Shiller P/E Range
Min: 6.4   Max: 25.32
Current: 18.7
6.4
25.32

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 3.13
STL's Dividend Yield is ranked higher than
76% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. STL: 3.13 )
STL' s 10-Year Dividend Yield Range
Min: 1.84   Max: 11.88
Current: 3.13
1.84
11.88
Dividend Payout 0.5381
STL's Dividend Payout is ranked lower than
58% of the 951 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. STL: 0.5381 )
STL' s 10-Year Dividend Payout Range
Min: 0.29   Max: 1.36
Current: 0.54
0.29
1.36
Dividend growth (3y) -6.4
STL's Dividend growth (3y) is ranked lower than
57% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STL: -6.4 )
STL' s 10-Year Dividend growth (3y) Range
Min: -17   Max: 20.1
Current: -6.4
-17
20.1
Yield on cost (5-Year) 1.71
STL's Yield on cost (5-Year) is ranked higher than
59% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. STL: 1.71 )
STL' s 10-Year Yield on cost (5-Year) Range
Min: 1.02   Max: 6.56
Current: 1.71
1.02
6.56
Share Buyback Rate -14.2
STL's Share Buyback Rate is ranked lower than
63% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.20 vs. STL: -14.2 )
STL' s 10-Year Share Buyback Rate Range
Min: 2.2   Max: -14.2
Current: -14.2

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.7
STL's Price/Tangible Book is ranked lower than
57% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. STL: 1.7 )
STL' s 10-Year Price/Tangible Book Range
Min: 1.3   Max: 4.3
Current: 1.7
1.3
4.3
Price/DCF (Projected) 1.7
STL's Price/DCF (Projected) is ranked lower than
74% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. STL: 1.7 )
STL' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 2.4
Current: 1.7
0.4
2.4
Price/Median PS Value 1
STL's Price/Median PS Value is ranked higher than
65% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. STL: 1 )
STL' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.9
Current: 1
0.4
1.9
Price/Graham Number 1.2
STL's Price/Graham Number is ranked lower than
54% of the 1094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. STL: 1.2 )
STL' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 2
Current: 1.2
0.8
2
Earnings Yield (Greenblatt) 5.80
STL's Earnings Yield (Greenblatt) is ranked higher than
73% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. STL: 5.80 )
STL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 18.2
Current: 5.8
1.7
18.2
Forward Rate of Return (Yacktman) -5.11
STL's Forward Rate of Return (Yacktman) is ranked lower than
64% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STL: -5.11 )
STL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.9   Max: 18.2
Current: -5.11
-12.9
18.2

Business Description

Sterling Bancorp is a bank holding Company and a financial holding Company. Sterling Bancorp and its subsidiaries derive substantially all of their revenue and income from providing banking and related financial services and products to customers mainly in New York, New Jersey and Connecticut. Sterling National Bank was organized in 1929 under the National Bank Act and commenced operations in New York City. The bank maintains twelve offices in New York: nine offices in New York City; two branches in Nassau County and one branch in Yonkers, New York. The bank provides a range of banking and financial products and services, including business and consumer lending, asset-based financing, factoring/accounts receivable management services, equipment leasing, commercial and residential mortgage lending and brokerage, deposit services, international trade financing, trust and estate administration, investment management and investment services. The bank provides loans to small and medium-sized businesses. Loans generally range in size up to $20 million and can be tailored to meet customers' specific long- and short-term needs, and include secured and unsecured lines of credit, business installment loans, business lines of credit, and debtor-in-possession financing. Loans are often collateralized by assets, such as accounts receivable, inventory, marketable securities, other liquid collateral, equipment and other assets. The bank offers residential mortgage warehouse funding services to mortgage bankers. Such funding consists of a line of credit used by the mortgage banker as a form of temporary financing during the period between the closing of a mortgage loan until its sale into the secondary market, which period typically lasts from 15 to 30 days. The Company competes with banks and other financial institutions, including savings and loan associations, savings banks, finance companies, and credit unions. It also competes with other providers of financial services, such as money market mutual funds, brokerage firms, consumer finance companies and insurance companies. Sterling Bancorp is a bank holding Company and a financial holding Company under the BHCA and is subject to supervision, examination and reporting requirements of the Federal Reserve Board.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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