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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 0.15
STL's Cash to Debt is ranked lower than
88% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. STL: 0.15 )
Ranked among companies with meaningful Cash to Debt only.
STL' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.19 Max: N/A
Current: 0.15
Equity to Asset 0.14
STL's Equity to Asset is ranked higher than
81% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.14 Max: 0.2
Current: 0.14
0.07
0.2
Interest Coverage 2.65
STL's Interest Coverage is ranked higher than
62% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. STL: 2.65 )
Ranked among companies with meaningful Interest Coverage only.
STL' s Interest Coverage Range Over the Past 10 Years
Min: 0.42  Med: 1.00 Max: 1.84
Current: 2.65
0.42
1.84
F-Score: 4
WACC vs ROIC
7.32%
3.04%
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 (%) 26.19
STL's Operating margin (%) is ranked lower than
64% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. STL: 26.19 )
Ranked among companies with meaningful Operating margin (%) only.
STL' s Operating margin (%) Range Over the Past 10 Years
Min: 12  Med: 26.58 Max: 31.26
Current: 26.19
12
31.26
Net-margin (%) 17.68
STL's Net-margin (%) is ranked lower than
67% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. STL: 17.68 )
Ranked among companies with meaningful Net-margin (%) only.
STL' s Net-margin (%) Range Over the Past 10 Years
Min: 9.68  Med: 18.42 Max: 20.47
Current: 17.68
9.68
20.47
ROE (%) 4.73
STL's ROE (%) is ranked lower than
76% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. STL: 4.73 )
Ranked among companies with meaningful ROE (%) only.
STL' s ROE (%) Range Over the Past 10 Years
Min: 2.72  Med: 4.95 Max: 6.26
Current: 4.73
2.72
6.26
ROA (%) 0.66
STL's ROA (%) is ranked lower than
63% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. STL: 0.66 )
Ranked among companies with meaningful ROA (%) only.
STL' s ROA (%) Range Over the Past 10 Years
Min: 0.38  Med: 0.69 Max: 0.96
Current: 0.66
0.38
0.96
Revenue Growth (3Y)(%) 0.50
STL's Revenue Growth (3Y)(%) is ranked lower than
58% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. STL: 0.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
STL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 8.65 Max: 21.2
Current: 0.5
0
21.2
EBITDA Growth (3Y)(%) 4.30
STL's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. STL: 4.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
STL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.65 Max: 32.3
Current: 4.3
0
32.3
EPS Growth (3Y)(%) 3.20
STL's EPS Growth (3Y)(%) is ranked lower than
59% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. STL: 3.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
STL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 8.55 Max: 45.1
Current: 3.2
0
45.1
» STL's 10-Y Financials

Financials


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

» Details

Guru Trades

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

Prem Watsa 25,000 sh (unchged)
Mario Gabelli 967,693 sh (-0.01%)
Diamond Hill Capital 825,035 sh (-0.20%)
Kahn Brothers 1,060,827 sh (-1.07%)
Private Capital 229,247 sh (-1.19%)
Jim Simons 299,497 sh (-30.33%)
» More
Q3 2015

STL Guru Trades in Q3 2015

Mario Gabelli 1,195,538 sh (+23.55%)
Diamond Hill Capital 826,144 sh (+0.13%)
Prem Watsa 25,000 sh (unchged)
Private Capital 229,247 sh (unchged)
Kahn Brothers 1,058,445 sh (-0.22%)
Jim Simons 280,257 sh (-6.42%)
» More
Q4 2015

STL Guru Trades in Q4 2015

Mario Gabelli 1,191,083 sh (-0.37%)
» 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) 48.40
STL's P/E(ttm) is ranked lower than
94% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. STL: 48.40 )
Ranked among companies with meaningful P/E(ttm) only.
STL' s P/E(ttm) Range Over the Past 10 Years
Min: 11.3  Med: 23.53 Max: 66.93
Current: 48.4
11.3
66.93
Forward P/E 13.57
STL's Forward P/E is ranked lower than
80% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. STL: 13.57 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 48.40
STL's PE(NRI) is ranked lower than
94% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. STL: 48.40 )
Ranked among companies with meaningful PE(NRI) only.
STL' s PE(NRI) Range Over the Past 10 Years
Min: 11.27  Med: 23.38 Max: 67.63
Current: 48.4
11.27
67.63
P/B 1.13
STL's P/B is ranked lower than
63% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. STL: 1.13 )
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: 1.62
Current: 1.13
0.5
1.62
P/S 5.69
STL's P/S is ranked lower than
85% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. STL: 5.69 )
Ranked among companies with meaningful P/S only.
STL' s P/S Range Over the Past 10 Years
Min: 1.78  Med: 3.89 Max: 6.89
Current: 5.69
1.78
6.89
PFCF 69.10
STL's PFCF is ranked lower than
97% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. STL: 69.10 )
Ranked among companies with meaningful PFCF only.
STL' s PFCF Range Over the Past 10 Years
Min: 7.04  Med: 17.73 Max: 562.5
Current: 69.1
7.04
562.5
POCF 53.74
STL's POCF is ranked lower than
97% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. STL: 53.74 )
Ranked among companies with meaningful POCF only.
STL' s POCF Range Over the Past 10 Years
Min: 5.6  Med: 14.30 Max: 140.63
Current: 53.74
5.6
140.63
EV-to-EBIT 50.03
STL's EV-to-EBIT is ranked lower than
92% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. STL: 50.03 )
Ranked among companies with meaningful EV-to-EBIT only.
STL' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 29.90 Max: 177.2
Current: 50.03
5.9
177.2
EV-to-EBITDA 40.29
STL's EV-to-EBITDA is ranked lower than
92% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. STL: 40.29 )
Ranked among companies with meaningful EV-to-EBITDA only.
STL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 23.40 Max: 75.3
Current: 40.29
5
75.3
Shiller P/E 27.13
STL's Shiller P/E is ranked lower than
83% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. STL: 27.13 )
Ranked among companies with meaningful Shiller P/E only.
STL' s Shiller P/E Range Over the Past 10 Years
Min: 11.27  Med: 19.75 Max: 35.44
Current: 27.13
11.27
35.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.93
STL's Dividend Yield is ranked lower than
72% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. STL: 1.93 )
Ranked among companies with meaningful Dividend Yield only.
STL' s Dividend Yield Range Over the Past 10 Years
Min: 1.2  Med: 2.05 Max: 4.17
Current: 1.93
1.2
4.17
Dividend Payout 0.79
STL's Dividend Payout is ranked lower than
90% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. STL: 0.79 )
Ranked among companies with meaningful Dividend Payout only.
STL' s Dividend Payout Range Over the Past 10 Years
Min: 0.12  Med: 0.39 Max: 1.2
Current: 0.79
0.12
1.2
Dividend Growth (3y) 4.00
STL's Dividend Growth (3y) is ranked lower than
53% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. STL: 4.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
STL' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 8.30 Max: 88
Current: 4
0
88
Forward Dividend Yield 1.93
STL's Forward Dividend Yield is ranked lower than
77% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. STL: 1.93 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.11
STL's Yield on cost (5-Year) is ranked lower than
70% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. STL: 2.11 )
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: 1.31  Med: 2.23 Max: 4.54
Current: 2.11
1.31
4.54
3-Year Average Share Buyback Ratio -29.10
STL's 3-Year Average Share Buyback Ratio is ranked lower than
93% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. STL: -29.10 )
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: -29.1  Med: 0.00 Max: 0
Current: -29.1
-29.1
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.05
STL's Price/Tangible Book is ranked lower than
89% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. STL: 2.05 )
Ranked among companies with meaningful Price/Tangible Book only.
STL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.83  Med: 1.81 Max: 3.52
Current: 2.05
0.83
3.52
Price/Projected FCF 1.14
STL's Price/Projected FCF is ranked lower than
85% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. STL: 1.14 )
Ranked among companies with meaningful Price/Projected FCF only.
STL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.4  Med: 0.82 Max: 1.77
Current: 1.14
0.4
1.77
Price/Median PS Value 1.46
STL's Price/Median PS Value is ranked lower than
90% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. STL: 1.46 )
Ranked among companies with meaningful Price/Median PS Value only.
STL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.09 Max: 1.78
Current: 1.46
0.46
1.78
Price/Graham Number 1.66
STL's Price/Graham Number is ranked lower than
92% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. STL: 1.66 )
Ranked among companies with meaningful Price/Graham Number only.
STL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.81  Med: 1.44 Max: 2.51
Current: 1.66
0.81
2.51
Earnings Yield (Greenblatt) (%) 2.00
STL's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. STL: 2.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
STL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 3.30 Max: 16.9
Current: 2
0.6
16.9
Forward Rate of Return (Yacktman) (%) -2.82
STL's Forward Rate of Return (Yacktman) (%) is ranked lower than
80% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. STL: -2.82 )
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: -8  Med: 8.70 Max: 25.8
Current: -2.82
-8
25.8

More Statistics

Revenue(Mil) $374
EPS $ 0.50
Beta0.94
Short Percentage of Float4.27%
52-Week Range $12.82 - 17.75
Shares Outstanding(Mil)129.74

Analyst Estimate

Dec15 Dec16
Revenue(Mil)
EPS($) 0.96 1.07
EPS without NRI($) 0.96 1.07

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
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 
Provident New York Bancorp Reports Operating Results (10-K) Dec 10 2009 

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