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22.7 (1y: +23%)
Market Cap 1.38 B P/E(ttm) 3.60
Enterprise Value 2.17 B P/B 1.10
STSA- NAS (USA)
Sterling Financial Corp
  • 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
$22.70
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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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.353
STSA's Cash to Debt is ranked higher than
64% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.42 vs. STSA: 0.353 )
STSA' s 10-Year Cash to Debt Range
Min: 0.05   Max: 0.72
Current: 0.35
0.05
0.72
Equity to Asset 0.132
STSA's Equity to Asset is ranked higher than
83% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. STSA: 0.132 )
STSA' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.13
Current: 0.13
0.03
0.13
Interest Coverage No Debt
STSA's Interest Coverage is ranked higher than
58% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. STSA: No Debt )
STSA' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 3
Z-Score: 0.18
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 (%) 20.40
STSA's Operating margin (%) is ranked higher than
65% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.80 vs. STSA: 20.40 )
STSA' s 10-Year Operating margin (%) Range
Min: -173.4   Max: 34.4
Current: 20.4
-173.4
34.4
Net-margin (%) 84
STSA's Net-margin (%) is ranked higher than
99% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.70 vs. STSA: 84 )
STSA' s 10-Year Net-margin (%) Range
Min: -179.2   Max: 84
Current: 84
-179.2
84
ROE (%) 31.7
STSA's ROE (%) is ranked higher than
99% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. STSA: 31.7 )
STSA' s 10-Year ROE (%) Range
Min: -259.3   Max: 31.7
Current: 31.7
-259.3
31.7
ROA (%) 4.2
STSA's ROA (%) is ranked higher than
98% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. STSA: 4.2 )
STSA' s 10-Year ROA (%) Range
Min: -7.7   Max: 4.2
Current: 4.2
-7.7
4.2
Revenue Growth (%) -66.7
STSA's Revenue Growth (%) is ranked lower than
70% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. STSA: -66.7 )
STSA' s 10-Year Revenue Growth (%) Range
Min: -66.7   Max: 9
Current: -66.7
-66.7
9
ยป STSA's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

STSA Guru Trades in Q2 2012

Jim Simons 190,643 sh (+18.75%)
» More
Q3 2012

STSA Guru Trades in Q3 2012

Steven Cohen 17,793 sh (New)
Bruce Kovner 176,672 sh (New)
Jim Simons 270,643 sh (+41.96%)
» More
Q4 2012

STSA Guru Trades in Q4 2012

Steven Cohen Sold Out
Bruce Kovner 166,672 sh (-5.66%)
Jim Simons 207,600 sh (-23.29%)
» More
Q1 2013

STSA Guru Trades in Q1 2013

Steven Cohen 25,965 sh (New)
Jim Simons 216,400 sh (+4.24%)
Bruce Kovner 166,672 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with STSA



No Insider Trades Found!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 3.60
STSA's P/E(ttm) is ranked higher than
96% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.60 vs. STSA: 3.60 )
STSA' s 10-Year P/E(ttm) Range
Min: 3.04   Max: 31.67
Current: 3.6
3.04
31.67
P/B 1.10
STSA's P/B is ranked higher than
55% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.97 vs. STSA: 1.10 )
STSA' s 10-Year P/B Range
Min: 0.07   Max: 2.37
Current: 1.1
0.07
2.37
P/S 3.05
STSA's P/S is ranked higher than
55% of the 1433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.33 vs. STSA: 3.05 )
STSA' s 10-Year P/S Range
Min: 0.04   Max: 4.08
Current: 3.05
0.04
4.08
EV-to-EBIT 20
STSA's EV-to-EBIT is ranked higher than
55% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.26 vs. STSA: 20 )
STSA' s 10-Year EV-to-EBIT Range
Min: 14.7   Max: 54.2
Current: 20
14.7
54.2
Shiller P/E 2
STSA's Shiller P/E is ranked lower than
100% of the Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: vs. STSA: 2 )
STSA' s 10-Year Shiller P/E Range
Min: 2   Max: 29.04
Current: 2
2
29.04

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.86
STSA's Dividend Yield is ranked higher than
74% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. STSA: 2.86 )
STSA' s 10-Year Dividend Yield Range
Min: 0.19   Max: 23.62
Current: 2.86
0.19
23.62
Dividend Payout 0.0716
STSA's Dividend Payout is ranked higher than
91% of the 951 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.30 vs. STSA: 0.0716 )
STSA' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.19
Current: 0.07
0.06
0.19
Yield on cost (5-Year) 2.80
STSA's Yield on cost (5-Year) is ranked higher than
73% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. STSA: 2.80 )
STSA' s 10-Year Yield on cost (5-Year) Range
Min: 0.19   Max: 23.62
Current: 2.8
0.19
23.62
Share Buyback Rate -198.8
STSA's Share Buyback Rate is ranked lower than
69% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -0.20 vs. STSA: -198.8 )
STSA' s 10-Year Share Buyback Rate Range
Min: -3.1   Max: -198.8
Current: -198.8

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.2
STSA's Price/Tangible Book is ranked higher than
65% of the 1191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. STSA: 1.2 )
STSA' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 2.7
Current: 1.2
0.4
2.7
Price/DCF (Projected) 0.7
STSA's Price/DCF (Projected) is ranked higher than
53% of the 679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. STSA: 0.7 )
STSA' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 1
Current: 0.7
0.2
1
Price/Median PS Value 1.6
STSA's Price/Median PS Value is ranked lower than
66% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. STSA: 1.6 )
STSA' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.9
Current: 1.6
0.5
1.9
Price/Graham Number 0.5
STSA's Price/Graham Number is ranked higher than
86% of the 1094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. STSA: 0.5 )
STSA' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1.4
Current: 0.5
0.4
1.4
Earnings Yield (Greenblatt) 5.00
STSA's Earnings Yield (Greenblatt) is ranked higher than
70% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.10 vs. STSA: 5.00 )
STSA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 6.8
Current: 5
1.8
6.8
Forward Rate of Return (Yacktman) 405.25
STSA's Forward Rate of Return (Yacktman) is ranked higher than
99% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. STSA: 405.25 )
STSA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 14.7   Max: 918.5
Current: 405.25
14.7
918.5

Business Description

Sterling Financial Corporation was organized under the laws of Washington State in 1992. It is a bank holding company for Sterling Savings Bank, which commenced operations in 1983. Sterling Savings Bank operates in California as Sonoma Bank. It offers retail and commercial banking products and services, mortgage lending and investment products to individuals, small businesses, commercial organizations and corporations. The Company's operations are divided into three main business segments that represent its core businesses: Commercial Real Estate, Community Banking, and Home Loan Division. Commercial Real Estate segment is engaged in originating and servicing of multifamily real estate, commercial real estate and construction loans. Community Banking segment engaged in providing traditional banking services through the retail banking, private banking and commercial banking groups. Home Loan segment is engaged in originating and selling residential real estate loans through its mortgage banking operations, on both a servicing-retained and servicing-released basis. The Company offers commercial real estate loans for investor non-owner occupied, multifamily, and construction projects, collateralized by real property. It provides a full range of credit and financial services products to small- and medium-sized businesses. These products include commercial and industrial ('C&I') lending such as: lines of credit, receivable and inventory financing, and equipment loans; and term financing for owner occupied commercial real estate properties. Consumer loans and lines of credit are originated directly through its retail branches and private banking teams, and indirectly through Sterling's dealer banking department. The Company offers a wide variety of deposit products and related services to businesses, individuals, and public sector entities throughout its primary market areas. Deposit accounts include transaction (checking) accounts, savings accounts, MMDA, and certificates of deposit. Sterling's primary sources of funds are: retail, public and brokered deposits; the collection of principal and interest from loans and MBS; the sale of loans into the secondary market in connection with Sterling's mortgage banking activities and other loan sale activities; borrowings from the Federal Home Loan Bank ('FHLB') and the Federal Reserve; and borrowings from commercial banks (including reverse repurchase agreements). The Company competes with other financial institutions and financial intermediaries in attracting deposits. There is strong competition for transaction, money market and time deposit balances from commercial banks, credit unions and nonbank corporations, such as securities brokerage companies, mutual funds and other diversified companies. The Company is subject to regulation, examination and supervision by the Board of Governors of the Federal Reserve under the Bank Holding Company Act of 1956.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK
Traded in other countries:XSWN.Germany
ยป More Articles for STSA

Headlines

Articles On GuruFocus.com
Sterling Financial Corp. (STSA) CEO John Gregory Seibly buys 1,481 Shares Mar 15 2011 
Sterling Financial Corp. (STSA) CEO John Gregory Seibly buys 2,000 Shares Feb 23 2011 
Weekly Guru Bargains Highlights: STSA, HMIN, RSH, STRA, EK Feb 20 2011 
Sterling Financial Corp. (STSA) COO - Sterling Financial Corp. Ezra Eckhardt buys 4,000 Shares Feb 17 2011 
Sterling Financial Corp. (STSA) COO - Sterling Financial Corp. Ezra Eckhardt buys 5,621 Shares Feb 15 2011 
Sterling Financial Corp. (STSA) CEO John Gregory Seibly buys 200,000 Shares Nov 18 2010 
Sterling Financial Corp. Reports Operating Results (10-Q) Aug 09 2010 
Sterling Financial Corp. Reports Operating Results (10-Q) May 03 2010 
Sterling Financial Corp. Reports Operating Results (10-Q) Nov 02 2009 
Sterling Financial Corporation of Spokane, Washington, Announces Deferral of Interest Payments on Tr Aug 19 2009 

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