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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 : 5/10

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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 : 3/10

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» STSA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

STSA Guru Trades in Q3 2013

Steven Cohen 7,463 sh (New)
Jeremy Grantham 170,159 sh (New)
Paul Tudor Jones Sold Out
Jim Simons 252,500 sh (-18.69%)
Caxton Associates 117,572 sh (-29.46%)
» More
Q4 2013

STSA Guru Trades in Q4 2013

Paul Tudor Jones 6,694 sh (New)
Jeremy Grantham 312,886 sh (+83.88%)
Jim Simons 314,243 sh (+24.45%)
Caxton Associates 117,572 sh (unchged)
Steven Cohen Sold Out
» More
Q1 2014

STSA Guru Trades in Q1 2014

Jeremy Grantham 314,486 sh (+0.51%)
Caxton Associates 117,572 sh (unchged)
Paul Tudor Jones Sold Out
Jim Simons 238,943 sh (-23.96%)
» More
Q2 2014

STSA Guru Trades in Q2 2014

Jeremy Grantham Sold Out
Caxton Associates Sold Out
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with STSA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

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Dividend & Buy Back

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Dividend Yield 2.42
STSA's Dividend Yield is ranked lower than
54% of the 2100 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.62 vs. STSA: 2.42 )
Ranked among companies with meaningful Dividend Yield only.
STSA' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 2.42

Dividend Payout 0.39
STSA's Dividend Payout is ranked lower than
60% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. STSA: 0.39 )
Ranked among companies with meaningful Dividend Payout only.
STSA' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 0.39

Yield on cost (5-Year) 2.42
STSA's Yield on cost (5-Year) is ranked lower than
60% of the 2100 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.00 vs. STSA: 2.42 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
STSA' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 2.42

Valuation & Return

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries:XSWN.Germany,
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.

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