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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
STL's Cash to Debt is ranked lower than
91% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. STL: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
STL' 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
STL's Equity to Asset is ranked higher than
76% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. STL: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
STL' 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
STL's Interest Coverage is ranked higher than
72% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. STL: 3.62 )
Ranked among companies with meaningful Interest Coverage only.
STL' 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
F-Score: 3
M-Score: -2.18
WACC vs ROIC
6.96%
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
STL's Operating margin (%) is ranked higher than
76% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. STL: 43.63 )
Ranked among companies with meaningful Operating margin (%) only.
STL' 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
STL's Net-margin (%) is ranked higher than
70% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. STL: 29.45 )
Ranked among companies with meaningful Net-margin (%) only.
STL' 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
STL's ROE (%) is ranked lower than
55% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. STL: 8.03 )
Ranked among companies with meaningful ROE (%) only.
STL' 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
STL's ROA (%) is ranked higher than
63% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. STL: 1.07 )
Ranked among companies with meaningful ROA (%) only.
STL' s ROA (%) Range Over the Past 10 Years
Min: 0.38  Med: 0.69 Max: 1.07
Current: 1.07
0.38
1.07
Revenue Growth (3Y)(%) 4.30
STL's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. STL: 4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
STL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 7.5 Max: 21.2
Current: 4.3
0
21.2
EBITDA Growth (3Y)(%) 20.20
STL's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. STL: 20.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
STL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.25 Max: 33.4
Current: 20.2
0
33.4
EPS Growth (3Y)(%) 22.60
STL's EPS Growth (3Y)(%) is ranked higher than
80% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. STL: 22.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
STL' s EPS Growth (3Y)(%) 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 Sterling Bancorp $STL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» STL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2016

STL Guru Trades in Q1 2016

Jim Simons 1,164,593 sh (+52.44%)
Diamond Hill Capital 752,989 sh (unchged)
Mario Gabelli 1,189,127 sh (-0.16%)
Kahn Brothers 1,015,361 sh (-0.78%)
Private Capital 219,527 sh (-3.91%)
» More
Q2 2016

STL Guru Trades in Q2 2016

Diamond Hill Capital 753,869 sh (+0.12%)
Kahn Brothers 1,015,361 sh (unchged)
Private Capital Sold Out
Mario Gabelli 1,186,678 sh (-0.21%)
Jim Simons 695,593 sh (-40.27%)
» More
Q3 2016

STL Guru Trades in Q3 2016

Joel Greenblatt 14,055 sh (New)
Paul Tudor Jones 19,300 sh (New)
Diamond Hill Capital 751,734 sh (-0.28%)
Kahn Brothers 1,012,364 sh (-0.30%)
Mario Gabelli 1,174,808 sh (-1.00%)
Jim Simons 209,957 sh (-69.82%)
» More
Q4 2016

STL Guru Trades in Q4 2016

Paul Tudor Jones 78,987 sh (+309.26%)
Jim Simons 246,550 sh (+17.43%)
Kahn Brothers 1,012,364 sh (unchged)
Mario Gabelli 1,171,371 sh (-0.29%)
Diamond Hill Capital 726,563 sh (-3.35%)
Joel Greenblatt 10,743 sh (-23.56%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:FULT, NAS:PNFP, NYSE:VLY, NYSE:FNB, NYSE:BOH, NAS:CATY, NAS:UBSI, NAS:CHFC, NYSE:TCB, NAS:MBFI, OTCPK:FCNCB, NAS:IBKC, NYSE:BXS, NAS:HOPE, NAS:FFIN, NAS:WTFC, NAS:HOMB, NAS:HBHC, NAS:UMBF, NYSE:ASB » 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
P/E(ttm) 23.27
STL's P/E(ttm) is ranked lower than
82% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. STL: 23.27 )
Ranked among companies with meaningful P/E(ttm) only.
STL' s P/E(ttm) Range Over the Past 10 Years
Min: 11.27  Med: 21.27 Max: 67.63
Current: 23.27
11.27
67.63
Forward P/E 18.98
STL's Forward P/E is ranked lower than
78% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. STL: 18.98 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 23.27
STL's PE(NRI) is ranked lower than
81% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. STL: 23.27 )
Ranked among companies with meaningful PE(NRI) only.
STL' s PE(NRI) Range Over the Past 10 Years
Min: 11.27  Med: 21.27 Max: 67.63
Current: 23.27
11.27
67.63
Price/Owner Earnings (ttm) 21.19
STL's Price/Owner Earnings (ttm) is ranked lower than
72% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. STL: 21.19 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
STL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.23  Med: 21.08 Max: 1460
Current: 21.19
6.23
1460
P/B 1.81
STL's P/B is ranked lower than
80% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. STL: 1.81 )
Ranked among companies with meaningful P/B only.
STL' s P/B Range Over the Past 10 Years
Min: 0.5  Med: 1.11 Max: 1.85
Current: 1.81
0.5
1.85
P/S 6.86
STL's P/S is ranked lower than
89% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. STL: 6.86 )
Ranked among companies with meaningful P/S only.
STL' s P/S Range Over the Past 10 Years
Min: 1.78  Med: 3.86 Max: 6.99
Current: 6.86
1.78
6.99
PFCF 44.01
STL's PFCF is ranked lower than
90% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. STL: 44.01 )
Ranked among companies with meaningful PFCF only.
STL' s PFCF Range Over the Past 10 Years
Min: 7.03  Med: 16.64 Max: 11250
Current: 44.01
7.03
11250
POCF 42.80
STL's POCF is ranked lower than
92% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. STL: 42.80 )
Ranked among companies with meaningful POCF only.
STL' s POCF Range Over the Past 10 Years
Min: 5.66  Med: 14.7 Max: 1951.11
Current: 42.8
5.66
1951.11
EV-to-EBIT 24.73
STL's EV-to-EBIT is ranked lower than
80% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. STL: 24.73 )
Ranked among companies with meaningful EV-to-EBIT only.
STL' s EV-to-EBIT Range Over the Past 10 Years
Min: 6  Med: 28.6 Max: 177.2
Current: 24.73
6
177.2
EV-to-EBITDA 22.69
STL's EV-to-EBITDA is ranked lower than
80% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. STL: 22.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
STL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 23.3 Max: 75.3
Current: 22.69
5
75.3
PEG 1.38
STL's PEG is ranked higher than
52% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. STL: 1.38 )
Ranked among companies with meaningful PEG only.
STL' s PEG Range Over the Past 10 Years
Min: 0.99  Med: 1.77 Max: 28.32
Current: 1.38
0.99
28.32
Shiller P/E 40.70
STL's Shiller P/E is ranked lower than
86% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. STL: 40.70 )
Ranked among companies with meaningful Shiller P/E only.
STL' s Shiller P/E Range Over the Past 10 Years
Min: 11.27  Med: 20.79 Max: 41.41
Current: 40.7
11.27
41.41

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.13
STL's Dividend Yield is ranked lower than
85% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. STL: 1.13 )
Ranked among companies with meaningful Dividend Yield only.
STL' s Dividend Yield Range Over the Past 10 Years
Min: 1.11  Med: 2.09 Max: 4.17
Current: 1.13
1.11
4.17
Dividend Payout 0.27
STL's Dividend Payout is ranked higher than
97% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. STL: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
STL' s Dividend Payout Range Over the Past 10 Years
Min: 0.26  Med: 0.43 Max: 0.79
Current: 0.27
0.26
0.79
Dividend Growth (3y) 5.30
STL's Dividend Growth (3y) is ranked lower than
59% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. STL: 5.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
STL' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 6.3 Max: 88
Current: 5.3
0
88
Forward Dividend Yield 1.12
STL's Forward Dividend Yield is ranked lower than
88% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. STL: 1.12 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.37
STL's Yield on cost (5-Year) is ranked lower than
83% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. STL: 1.37 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
STL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.34  Med: 2.53 Max: 5.05
Current: 1.37
1.34
5.05
3-Year Average Share Buyback Ratio -45.00
STL's 3-Year Average Share Buyback Ratio is ranked lower than
96% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. STL: -45.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
STL' 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/Tangible Book 3.08
STL's Price/Tangible Book is ranked lower than
93% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. STL: 3.08 )
Ranked among companies with meaningful Price/Tangible Book only.
STL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.83  Med: 1.86 Max: 3.23
Current: 3.08
0.83
3.23
Price/Projected FCF 1.68
STL's Price/Projected FCF is ranked lower than
88% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. STL: 1.68 )
Ranked among companies with meaningful Price/Projected FCF only.
STL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.87 Max: 1.71
Current: 1.68
0.39
1.71
Price/Median PS Value 1.78
STL's Price/Median PS Value is ranked lower than
89% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. STL: 1.78 )
Ranked among companies with meaningful Price/Median PS Value only.
STL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.47  Med: 1.13 Max: 1.81
Current: 1.78
0.47
1.81
Price/Peter Lynch Fair Value 1.26
STL's Price/Peter Lynch Fair Value is ranked lower than
54% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. STL: 1.26 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
STL' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.15  Med: 1.79 Max: 2.2
Current: 1.26
1.15
2.2
Price/Graham Number 1.78
STL's Price/Graham Number is ranked lower than
92% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. STL: 1.78 )
Ranked among companies with meaningful Price/Graham Number only.
STL' s Price/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) (%) 4.02
STL's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. STL: 4.02 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
STL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 3.5 Max: 16.8
Current: 4.02
0.6
16.8
Forward Rate of Return (Yacktman) (%) 21.26
STL's Forward Rate of Return (Yacktman) (%) is ranked higher than
74% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. STL: 21.26 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
STL' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -7.7  Med: 8.7 Max: 25.5
Current: 21.26
-7.7
25.5

More Statistics

Revenue (TTM) (Mil) $475.2
EPS (TTM) $ 1.07
Beta0.94
Short Percentage of Float2.59%
52-Week Range $13.97 - 25.40
Shares Outstanding (Mil)135.17

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.32 1.57
EPS w/o NRI ($) 1.32 1.57
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.28 0.32
» More Articles for STL

Headlines

Articles On GuruFocus.com
Kahn Brothers Sells Part of Stake in Pfizer in 4th Quarter Feb 09 2016 
Bearish Canadian Investor Prem Watsa's 7 New Positions Feb 25 2014 
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 
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 
Provident New York Bancorp Reports Operating Results (10-Q) May 07 2010 

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Sterling Bancorp breached its 50 day moving average in a Bearish Manner : STL-US : February 2, 2017 Feb 02 2017
Jan Hanssen Joins Sterling National Bank's Asset-Based Finance Team Feb 01 2017
UPDATE - Sterling National Bank Ranked #36 in Forbes' 2017 List of America's Best Banks Jan 31 2017
Sterling National Bank Ranked #36 in Forbes' 2017 List of America's Best Banks Jan 31 2017
Post Earnings Coverage as SunTrust Banks' Q4 Result Outperformed Estimates Jan 27 2017
Sterling Bancorp :STL-US: Earnings Analysis: Q4, 2016 By the Numbers : January 26, 2017 Jan 26 2017
Edited Transcript of STL earnings conference call or presentation 25-Jan-17 3:30pm GMT Jan 25 2017
STERLING BANCORP Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in Fiscal Year Jan 25 2017
Sterling Bancorp posts 4Q profit Jan 24 2017
Sterling Bancorp posts 4Q profit Jan 24 2017
STERLING BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 24 2017
Sterling Bancorp Announces Record Results for the Three and Twelve Months Ended December 31, 2016 Jan 24 2017
Sterling Bancorp Declares Quarterly Dividend of $0.07 per Share Jan 24 2017
Q4 2016 Sterling Bancorp Earnings Release - After Market Close Jan 24 2017
Sterling Bancorp breached its 50 day moving average in a Bearish Manner : STL-US : January 20, 2017 Jan 20 2017
Sterling National Bank Appoints Troy Grasinger as Vice President and Managing Director Jan 12 2017
Sterling Bancorp upgraded by Piper Jaffray Jan 11 2017

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