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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 0.11
STL's Cash-to-Debt is ranked lower than
94% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. STL: 0.11 )
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: 0.11
Equity-to-Asset 0.13
STL's Equity-to-Asset is ranked higher than
76% of the 1610 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: 0.07  Med: 0.14 Max: 0.2
Current: 0.13
0.07
0.2
Interest Coverage 3.68
STL's Interest Coverage is ranked higher than
72% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. STL: 3.68 )
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: 3.68
Current: 3.68
0.42
3.68
Beneish M-Score: -2.20
WACC vs ROIC
5.84%
4.82%
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 : 6/10

vs
industry
vs
history
Operating Margin % 46.75
STL's Operating Margin % is ranked higher than
79% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. STL: 46.75 )
Ranked among companies with meaningful Operating Margin % only.
STL' s Operating Margin % Range Over the Past 10 Years
Min: 12  Med: 26.21 Max: 46.75
Current: 46.75
12
46.75
Net Margin % 31.82
STL's Net Margin % is ranked higher than
73% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.93 vs. STL: 31.82 )
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: 31.82
Current: 31.82
9.68
31.82
ROE % 8.68
STL's ROE % is ranked higher than
51% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.55 vs. STL: 8.68 )
Ranked among companies with meaningful ROE % only.
STL' s ROE % Range Over the Past 10 Years
Min: 2.72  Med: 4.94 Max: 8.68
Current: 8.68
2.72
8.68
ROA % 1.14
STL's ROA % is ranked higher than
68% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. STL: 1.14 )
Ranked among companies with meaningful ROA % only.
STL' s ROA % Range Over the Past 10 Years
Min: 0.38  Med: 0.69 Max: 1.14
Current: 1.14
0.38
1.14
3-Year Revenue Growth Rate 4.30
STL's 3-Year Revenue Growth Rate is ranked higher than
50% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. STL: 4.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
STL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 7.5 Max: 21.2
Current: 4.3
0
21.2
3-Year EBITDA Growth Rate 21.70
STL's 3-Year EBITDA Growth Rate is ranked higher than
82% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. STL: 21.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
STL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.25 Max: 33.4
Current: 21.7
0
33.4
3-Year EPS without NRI Growth Rate 22.60
STL's 3-Year EPS without NRI Growth Rate is ranked higher than
81% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. STL: 22.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
STL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.7 Max: 45.1
Current: 22.6
0
45.1
GuruFocus has detected 2 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 30-Y Financials

Financials (Next Earnings Date: 2017-07-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q1 2017

STL Guru Trades in Q1 2017

Jim Simons 750,409 sh (+204.36%)
Paul Tudor Jones Sold Out
Mario Gabelli 1,170,065 sh (-0.11%)
Diamond Hill Capital 670,475 sh (-7.72%)
Kahn Brothers 920,779 sh (-9.05%)
Joel Greenblatt 8,882 sh (-17.32%)
» 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:CATY, NYSE:VLY, NAS:PNFP, NAS:FULT, NYSE:CBU, NYSE:BXS, NYSE:TCF, NAS:CHFC, NAS:FFIN, NYSE:BOH, NAS:FMBI, NAS:GBCI, NYSE:EVER, NAS:HOMB, NAS:HOPE, NAS:SSB, NAS:MBFI, NAS:UMBF, NYSE:BKU, NAS:CVBF » details
Traded in other countries:PVDA.Germany,
Headquarter Location:USA
Sterling Bancorp is a bank holding and financial holding company. It provides banking services to commercial, consumer and municipal clients in United States.

Sterling Bancorp is a financial and bank holding company that operates primarily through its wholly owned subsidiary, Sterling National Bank. Sterling National Bank is a full-service regional bank that primarily delivers products and services to small and middle market commercial businesses and affluent consumers. Those products and services include deposit, lending, and wealth management products. The bank's strategy emphasizes growth, efficiency, and relationship building with its niche target market. It primarily operates in the New York metropolitan and suburban markets. Nearly all of its loan portfolio is in commercial loans, a plurality of which is in commercial real estate, followed by traditional commercial and industrial loans.

Ratios

vs
industry
vs
history
PE Ratio 18.47
STL's PE Ratio is ranked lower than
70% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. STL: 18.47 )
Ranked among companies with meaningful PE Ratio only.
STL' s PE Ratio Range Over the Past 10 Years
Min: 11.27  Med: 20.27 Max: 67.63
Current: 18.47
11.27
67.63
Forward PE Ratio 16.64
STL's Forward PE Ratio is ranked lower than
62% of the 451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.46 vs. STL: 16.64 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.47
STL's PE Ratio without NRI is ranked lower than
69% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. STL: 18.47 )
Ranked among companies with meaningful PE Ratio without NRI only.
STL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.27  Med: 20.27 Max: 67.63
Current: 18.47
11.27
67.63
Price-to-Owner-Earnings 21.84
STL's Price-to-Owner-Earnings is ranked lower than
79% of the 910 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.67 vs. STL: 21.84 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
STL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.23  Med: 22.91 Max: 1460
Current: 21.84
6.23
1460
PB Ratio 1.56
STL's PB Ratio is ranked lower than
71% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. STL: 1.56 )
Ranked among companies with meaningful PB Ratio only.
STL' s PB Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.11 Max: 1.83
Current: 1.56
0.5
1.83
PS Ratio 5.92
STL's PS Ratio is ranked lower than
85% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. STL: 5.92 )
Ranked among companies with meaningful PS Ratio only.
STL' s PS Ratio Range Over the Past 10 Years
Min: 1.78  Med: 3.88 Max: 6.93
Current: 5.92
1.78
6.93
Price-to-Free-Cash-Flow 11.23
STL's Price-to-Free-Cash-Flow is ranked lower than
51% of the 924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.10 vs. STL: 11.23 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
STL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7  Med: 16.26 Max: 562.5
Current: 11.23
7
562.5
Price-to-Operating-Cash-Flow 11.00
STL's Price-to-Operating-Cash-Flow is ranked lower than
56% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.83 vs. STL: 11.00 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
STL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.63  Med: 14.38 Max: 1951.11
Current: 11
5.63
1951.11
EV-to-EBIT 22.05
STL's EV-to-EBIT is ranked lower than
77% of the 1395 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.92 vs. STL: 22.05 )
Ranked among companies with meaningful EV-to-EBIT only.
STL' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 27.1 Max: 177.2
Current: 22.05
5.9
177.2
EV-to-EBITDA 20.29
STL's EV-to-EBITDA is ranked lower than
78% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.86 vs. STL: 20.29 )
Ranked among companies with meaningful EV-to-EBITDA only.
STL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 22.5 Max: 75.3
Current: 20.29
5
75.3
PEG Ratio 1.05
STL's PEG Ratio is ranked higher than
62% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. STL: 1.05 )
Ranked among companies with meaningful PEG Ratio only.
STL' s PEG Ratio Range Over the Past 10 Years
Min: 0.97  Med: 1.76 Max: 301
Current: 1.05
0.97
301
Shiller PE Ratio 34.38
STL's Shiller PE Ratio is ranked lower than
83% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.95 vs. STL: 34.38 )
Ranked among companies with meaningful Shiller PE Ratio only.
STL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.27  Med: 21.04 Max: 40.48
Current: 34.38
11.27
40.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.28
STL's Dividend Yield % is ranked lower than
80% of the 2351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. STL: 1.28 )
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: 1.28
1.11
4.17
Dividend Payout Ratio 0.24
STL's Dividend Payout Ratio is ranked higher than
80% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. STL: 0.24 )
Ranked among companies with meaningful Dividend Payout Ratio only.
STL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.43 Max: 0.79
Current: 0.24
0.24
0.79
3-Year Dividend Growth Rate 5.30
STL's 3-Year Dividend Growth Rate is ranked lower than
56% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. STL: 5.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
STL' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.3 Max: 88
Current: 5.3
0
88
Forward Dividend Yield % 1.28
STL's Forward Dividend Yield % is ranked lower than
86% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. STL: 1.28 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.55
STL's 5-Year Yield-on-Cost % is ranked lower than
80% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. STL: 1.55 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
STL' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.34  Med: 2.53 Max: 5.05
Current: 1.55
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 1073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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-to-Tangible-Book 2.62
STL's Price-to-Tangible-Book is ranked lower than
89% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. STL: 2.62 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
STL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.83  Med: 1.98 Max: 3.53
Current: 2.62
0.83
3.53
Price-to-Intrinsic-Value-Projected-FCF 1.29
STL's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
83% of the 953 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. STL: 1.29 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
STL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.88 Max: 1.44
Current: 1.29
0.39
1.44
Price-to-Median-PS-Value 1.53
STL's Price-to-Median-PS-Value is ranked lower than
82% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. STL: 1.53 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
STL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.46  Med: 1.1 Max: 1.79
Current: 1.53
0.46
1.79
Price-to-Peter-Lynch-Fair-Value 0.97
STL's Price-to-Peter-Lynch-Fair-Value is ranked higher than
58% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. STL: 0.97 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
STL' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.97  Med: 1.72 Max: 5.06
Current: 0.97
0.97
5.06
Price-to-Graham-Number 1.47
STL's Price-to-Graham-Number is ranked lower than
83% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. STL: 1.47 )
Ranked among companies with meaningful Price-to-Graham-Number only.
STL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.81  Med: 1.45 Max: 2.51
Current: 1.47
0.81
2.51
Earnings Yield (Greenblatt) % 4.54
STL's Earnings Yield (Greenblatt) % is ranked lower than
59% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.18 vs. STL: 4.54 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
STL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 3.7 Max: 16.9
Current: 4.54
0.6
16.9
Forward Rate of Return (Yacktman) % 22.94
STL's Forward Rate of Return (Yacktman) % is ranked higher than
74% of the 936 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. STL: 22.94 )
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: -7.8  Med: 8.9 Max: 25.7
Current: 22.94
-7.8
25.7

More Statistics

Revenue (TTM) (Mil) $487.9
EPS (TTM) $ 1.18
Beta0.97
Short Percentage of Float8.94%
52-Week Range $14.55 - 25.85
Shares Outstanding (Mil)135.59

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.31 1.65
EPS without NRI ($) 1.31 1.65
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.28 0.28
» More Articles for STL

Headlines

Articles On GuruFocus.com
Sterling Bancorp Provides Update to Release of CRA Supervisory Information and Pending Astoria Merge May 15 2017 
Kahn Brothers Sells Hologic, Pfizer, Citigroup May 11 2017 
Ed Blaskey Joins Sterling National Bank as EVP Long Island Market President May 05 2017 
Judy Diamant Joins Sterling National Bank’s Municipal & Non-Profit Banking Team May 01 2017 
Sterling Bancorp Declares Quarterly Dividend of $0.07 Per Share Apr 25 2017 
Thomas Holt Joins Sterling National Bank’s Commercial Banking Team Apr 21 2017 
Maya Vovchuk to Lead Sterling National Bank’s Expanding Cash Management Team Apr 17 2017 
UPDATE – Daniel Topple and Oleg Karaman to Co-Lead Sterling National Bank Commercial Banking Te Apr 17 2017 
Daniel Topple and Oleg Karaman to Co-Lead Sterling National Bank Commercial Banking Team Apr 17 2017 
Robert Mocerino Joins Sterling National Bank’s Payroll Finance Team Apr 12 2017 

More From Other Websites
European stocks close lower as oil, auto shares pull back May 26 2017
Sterling Bancorp Provides Update to Release of CRA Supervisory Information and Pending Astoria... May 15 2017
Rising oil, metals prices help commodity stocks buck the losing trend in Europe May 15 2017
Ed Blaskey Joins Sterling National Bank as EVP Long Island Market President May 05 2017
Sterling Bancorp : STL-US: Dividend Analysis : May 08th, 2017 (record date) : By the numbers : May... May 04 2017
Regional bank First Horizon to buy Capital Bank for $2.2 bln May 04 2017
Statoil's CEO Sees Oil Rebalancing in 2H of 2017 May 04 2017
ETFs with exposure to Sterling Bancorp : May 3, 2017 May 03 2017
Sterling Bancorp :STL-US: Earnings Analysis: Q1, 2017 By the Numbers : May 2, 2017 May 02 2017
Judy Diamant Joins Sterling National Bank’s Municipal & Non-Profit Banking Team May 01 2017
Edited Transcript of STL earnings conference call or presentation 26-Apr-17 2:30pm GMT Apr 28 2017
Sterling Bancorp breached its 50 day moving average in a Bullish Manner : STL-US : April 27, 2017 Apr 27 2017
Sterling Bancorp meets 1Q profit forecasts Apr 25 2017
Sterling Bancorp Announces Results for the Three Months Ended March 31, 2017 Apr 25 2017
Sterling Bancorp Declares Quarterly Dividend of $0.07 Per Share Apr 25 2017
New Strong Buy Stocks for April 20th Apr 20 2017
Maya Vovchuk to Lead Sterling National Bank’s Expanding Cash Management Team Apr 17 2017
UPDATE – Daniel Topple and Oleg Karaman to Co-Lead Sterling National Bank Commercial Banking Team Apr 17 2017
Daniel Topple and Oleg Karaman to Co-Lead Sterling National Bank Commercial Banking Team Apr 17 2017
Robert Mocerino Joins Sterling National Bank’s Payroll Finance Team Apr 12 2017

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