STERLING BANCORP INC/MI (SBT)
US85917W1027 - Common Stock
Taking everything into account, SBT scores 2 out of 10 in our fundamental rating. SBT was compared to 412 industry peers in the Banks industry. While SBT seems to be doing ok healthwise, there are quite some concerns on its profitability. SBT has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year SBT was profitable.
SBT had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: SBT reported negative net income in multiple years.
SBT had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.31%, SBT is not doing good in the industry: 87.35% of the companies in the same industry are doing better.
SBT's Return On Equity of 2.26% is on the low side compared to the rest of the industry. SBT is outperformed by 89.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 2.26% | ||
| ROIC | N/A |
ROA(3y)0.18%
ROA(5y)0.22%
ROE(3y)1.51%
ROE(5y)1.85%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SBT has a Profit Margin of 10.94%. This is amonst the worse of the industry: SBT underperforms 85.40% of its industry peers.
SBT's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for SBT so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10.94% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-24.53%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SBT has been increased compared to 1 year ago.
The number of shares outstanding for SBT has been reduced compared to 5 years ago.
There is no outstanding debt for SBT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
SBT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 633.33%, which is quite impressive.
SBT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -34.02% yearly.
Looking at the last year, SBT shows a very negative growth in Revenue. The Revenue has decreased by -13.95% in the last year.
Measured over the past years, SBT shows a very negative growth in Revenue. The Revenue has been decreasing by -13.77% on average per year.
EPS 1Y (TTM)633.33%
EPS 3YN/A
EPS 5Y-34.02%
EPS growth Q2Q100%
Revenue 1Y (TTM)-13.95%
Revenue growth 3Y-14.95%
Revenue growth 5Y-13.77%
Revenue growth Q2Q-15.73%
3.2 Future
The Earnings Per Share is expected to grow by 3.79% on average over the next years.
SBT is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.52% yearly.
EPS Next Y-5.73%
EPS Next 2Y3.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.49%
Revenue Next 2Y-2.52%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 33.13, the valuation of SBT can be described as expensive.
89.54% of the companies in the same industry are cheaper than SBT, based on the Price/Earnings ratio.
SBT's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.15.
With a Price/Forward Earnings ratio of 32.80, SBT can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SBT indicates a slightly more expensive valuation: SBT is more expensive than 78.59% of the companies listed in the same industry.
SBT is valuated expensively when we compare the Price/Forward Earnings ratio to 20.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.13 | ||
| Fwd PE | 32.8 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.79%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SBT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
STERLING BANCORP INC/MI
NASDAQ:SBT (5/17/2024, 7:25:15 PM)
After market: 5.3 0 (0%)5.3
+0.26 (+5.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap275.87M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.13 | ||
| Fwd PE | 32.8 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 2.26% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 10.94% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)633.33%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-5.73%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-13.95%
Revenue growth 3Y-14.95%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y