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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.11
STL's Cash-to-Debt is ranked lower than
93% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 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: 0.15 Max: 2.68
Current: 0.11
0.06
2.68
Equity-to-Asset 0.14
STL's Equity-to-Asset is ranked higher than
82% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 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
Debt-to-Equity 1.08
STL's Debt-to-Equity is ranked lower than
71% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.72 vs. STL: 1.08 )
Ranked among companies with meaningful Debt-to-Equity only.
STL' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12  Med: 1.07 Max: 1.74
Current: 1.08
0.12
1.74
Debt-to-EBITDA 4.57
STL's Debt-to-EBITDA is ranked lower than
84% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.99 vs. STL: 4.57 )
Ranked among companies with meaningful Debt-to-EBITDA only.
STL' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 4.57
Beneish M-Score: -1.43
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 : 4/10

vs
industry
vs
history
Net Margin % 28.49
STL's Net Margin % is ranked higher than
54% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. STL: 28.49 )
Ranked among companies with meaningful Net Margin % only.
STL' s Net Margin % Range Over the Past 10 Years
Min: 9.68  Med: 17.34 Max: 29.45
Current: 28.49
9.68
29.45
ROE % 7.56
STL's ROE % is ranked lower than
66% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. STL: 7.56 )
Ranked among companies with meaningful ROE % only.
STL' s ROE % Range Over the Past 10 Years
Min: 2.72  Med: 4.9 Max: 7.95
Current: 7.56
2.72
7.95
ROA % 1.07
STL's ROA % is ranked higher than
51% of the 1396 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: 0.66 Max: 1.07
Current: 1.07
0.38
1.07
3-Year Revenue Growth Rate 7.10
STL's 3-Year Revenue Growth Rate is ranked higher than
64% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. STL: 7.10 )
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: -0.9  Med: 7.6 Max: 106.5
Current: 7.1
-0.9
106.5
3-Year EPS without NRI Growth Rate 19.50
STL's 3-Year EPS without NRI Growth Rate is ranked higher than
81% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. STL: 19.50 )
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: 9.8 Max: 45.1
Current: 19.5
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: 2019-01-24 Est.)


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

» Details

Guru Trades

Q4 2017

STL Guru Trades in Q4 2017

Joel Greenblatt 8,472 sh (New)
Pioneer Investments 98,900 sh (New)
Diamond Hill Capital 661,784 sh (+2.30%)
Jim Simons Sold Out
Kahn Brothers 891,749 sh (-3.26%)
Mario Gabelli 1,167,078 sh (-0.16%)
» More
Q1 2018

STL Guru Trades in Q1 2018

Jim Simons 277,888 sh (New)
Stanley Druckenmiller 401,600 sh (New)
Diamond Hill Capital 739,414 sh (+11.73%)
Pioneer Investments 112,700 sh (+13.95%)
Joel Greenblatt Sold Out
Kahn Brothers 870,635 sh (-2.37%)
Mario Gabelli 1,161,022 sh (-0.52%)
» More
Q2 2018

STL Guru Trades in Q2 2018

Diamond Hill Capital 2,136,987 sh (+189.01%)
Jim Simons 347,488 sh (+25.05%)
Pioneer Investments 112,700 sh (unchged)
Stanley Druckenmiller Sold Out
Kahn Brothers 849,626 sh (-2.41%)
Mario Gabelli 1,159,114 sh (-0.16%)
» More
Q3 2018

STL Guru Trades in Q3 2018

Diamond Hill Capital 2,140,017 sh (+0.14%)
Jim Simons Sold Out
Kahn Brothers 683,635 sh (-19.54%)
Mario Gabelli 1,152,934 sh (-0.53%)
Pioneer Investments 111,900 sh (-0.71%)
» 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%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Sterling Bancorp

SymbolPriceYieldDescription
STLpA.PFD25.416.406.50% PRF PERPETUAL USD 1000 - Dep Rep 1/40th Ser A

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:UMPQ, NAS:FCNCA, NYSE:WBS, NAS:WTFC, NYSE:PB, NAS:PNFP, NAS:TCBI, NAS:BPOP, NYSE:FHN, NAS:OZRK, NYSE:ASB, NYSE:SNV, NYSE:WAL, NAS:PBCT, NAS:IBKC, NYSE:FNB, NYSE:BKU, NYSE:TCF, NAS:HBHC, NYSE:VLY » details
Traded in other countries:PVDA.Germany,
Headquarter Location:USA
Sterling Bancorp is a provider of financial services. The company functions through the Sterling National Bank, which delivers deposit, lending, and wealth management products to commercial businesses and affluent consumers.

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 16.20
STL's PE Ratio is ranked lower than
81% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. STL: 16.20 )
Ranked among companies with meaningful PE Ratio only.
STL' s PE Ratio Range Over the Past 10 Years
Min: 11.27  Med: 19.5 Max: 67.63
Current: 16.2
11.27
67.63
Forward PE Ratio 8.64
STL's Forward PE Ratio is ranked higher than
72% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. STL: 8.64 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.20
STL's PE Ratio without NRI is ranked lower than
81% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. STL: 16.20 )
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: 19.5 Max: 67.63
Current: 16.2
11.27
67.63
Price-to-Owner-Earnings 13.50
STL's Price-to-Owner-Earnings is ranked lower than
75% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. STL: 13.50 )
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: 22.53 Max: 1460
Current: 13.5
6.23
1460
PB Ratio 0.93
STL's PB Ratio is ranked higher than
53% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. STL: 0.93 )
Ranked among companies with meaningful PB Ratio only.
STL' s PB Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.1 Max: 1.83
Current: 0.93
0.5
1.83
PS Ratio 3.82
STL's PS Ratio is ranked lower than
76% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. STL: 3.82 )
Ranked among companies with meaningful PS Ratio only.
STL' s PS Ratio Range Over the Past 10 Years
Min: 1.78  Med: 3.87 Max: 6.93
Current: 3.82
1.78
6.93
Price-to-Free-Cash-Flow 12.38
STL's Price-to-Free-Cash-Flow is ranked lower than
64% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. STL: 12.38 )
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: 15.94 Max: 562.5
Current: 12.38
7
562.5
Price-to-Operating-Cash-Flow 11.70
STL's Price-to-Operating-Cash-Flow is ranked lower than
69% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. STL: 11.70 )
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: 13.83 Max: 142.41
Current: 11.7
5.63
142.41
EV-to-Revenue 8.00
STL's EV-to-Revenue is ranked lower than
90% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. STL: 8.00 )
Ranked among companies with meaningful EV-to-Revenue only.
STL' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.6  Med: 7 Max: 16.4
Current: 8
1.6
16.4
Shiller PE Ratio 24.45
STL's Shiller PE Ratio is ranked lower than
79% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.24 vs. STL: 24.45 )
Ranked among companies with meaningful Shiller PE Ratio only.
STL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.85  Med: 23.14 Max: 42.34
Current: 24.45
10.85
42.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.58
STL's Dividend Yield % is ranked lower than
83% of the 2530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. STL: 1.58 )
Ranked among companies with meaningful Dividend Yield % only.
STL' s Dividend Yield % Range Over the Past 10 Years
Min: 1.07  Med: 2.09 Max: 4.17
Current: 1.58
1.07
4.17
Dividend Payout Ratio 0.25
STL's Dividend Payout Ratio is ranked higher than
56% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. STL: 0.25 )
Ranked among companies with meaningful Dividend Payout Ratio only.
STL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.45 Max: 0.79
Current: 0.25
0.26
0.79
3-Year Dividend Growth Rate 1.20
STL's 3-Year Dividend Growth Rate is ranked lower than
71% of the 790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. STL: 1.20 )
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: 1.2
0
88
Forward Dividend Yield % 1.56
STL's Forward Dividend Yield % is ranked lower than
86% of the 2459 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. STL: 1.56 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.89
STL's 5-Year Yield-on-Cost % is ranked lower than
80% of the 2507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. STL: 1.89 )
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: 1.28  Med: 2.51 Max: 5
Current: 1.89
1.28
5
3-Year Average Share Buyback Ratio -39.00
STL's 3-Year Average Share Buyback Ratio is ranked lower than
96% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.40 vs. STL: -39.00 )
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: -3.7 Max: 2.9
Current: -39
-45
2.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.57
STL's Price-to-Tangible-Book is ranked lower than
76% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. STL: 1.57 )
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: 2.03 Max: 3.53
Current: 1.57
0.83
3.53
Price-to-Intrinsic-Value-Projected-FCF 0.79
STL's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
69% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. STL: 0.79 )
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: 0.96 Max: 1.44
Current: 0.79
0.39
1.44
Price-to-Median-PS-Value 0.99
STL's Price-to-Median-PS-Value is ranked lower than
65% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. STL: 0.99 )
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: 1.14 Max: 1.79
Current: 0.99
0.46
1.79
Price-to-Graham-Number 1.06
STL's Price-to-Graham-Number is ranked lower than
80% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. STL: 1.06 )
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: 1.44 Max: 2.51
Current: 1.06
0.81
2.51

More Statistics

Revenue (TTM) (Mil) $1,051.24
EPS (TTM) $ 1.10
Beta1.60
Volatility23.73%
52-Week Range $16.85 - 26.40
Shares Outstanding (Mil)224.43

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $)
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 1.95 2.07 2.30
EPS without NRI ($) 1.95 2.07 2.30
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.28 0.30 0.32

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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