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Sterling Bancorp Inc (SBT) Stock Fundamental Analysis

NASDAQ:SBT - Nasdaq - US85917W1027 - Common Stock - Currency: USD

4.84  -0.04 (-0.82%)

After market: 4.88 +0.04 (+0.83%)

Fundamental Rating

1

SBT gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. The financial health of SBT is average, but there are quite some concerns on its profitability. SBT is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

SBT had positive earnings in the past year.
In the past year SBT had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: SBT reported negative net income in multiple years.
In multiple years SBT reported negative operating cash flow during the last 5 years.
SBT Yearly Net Income VS EBIT VS OCF VS FCFSBT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M

1.2 Ratios

SBT's Return On Assets of 0.25% is on the low side compared to the rest of the industry. SBT is outperformed by 85.86% of its industry peers.
Looking at the Return On Equity, with a value of 1.80%, SBT is doing worse than 86.35% of the companies in the same industry.
Industry RankSector Rank
ROA 0.25%
ROE 1.8%
ROIC N/A
ROA(3y)-0.06%
ROA(5y)0.06%
ROE(3y)-0.55%
ROE(5y)0.22%
ROIC(3y)N/A
ROIC(5y)N/A
SBT Yearly ROA, ROE, ROICSBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 10.19%, SBT is doing worse than 83.62% of the companies in the same industry.
SBT's Profit Margin has declined in the last couple of years.
SBT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 10.19%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-46.39%
PM growth 5Y-29.96%
GM growth 3YN/A
GM growth 5YN/A
SBT Yearly Profit, Operating, Gross MarginsSBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40

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2. Health

2.1 Basic Checks

SBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
SBT has more shares outstanding than it did 1 year ago.
The number of shares outstanding for SBT has been increased compared to 5 years ago.
SBT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SBT Yearly Shares OutstandingSBT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
SBT Yearly Total Debt VS Total AssetsSBT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC19.84%
SBT Yearly LT Debt VS Equity VS FCFSBT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SBT Yearly Current Assets VS Current LiabilitesSBT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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3. Growth

3.1 Past

SBT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -72.24%.
Measured over the past years, SBT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -40.76% on average per year.
The Revenue for SBT has decreased by -15.07% in the past year. This is quite bad
Measured over the past years, SBT shows a very negative growth in Revenue. The Revenue has been decreasing by -15.36% on average per year.
EPS 1Y (TTM)-72.24%
EPS 3Y-55.43%
EPS 5Y-40.76%
EPS Q2Q%-77.29%
Revenue 1Y (TTM)-15.07%
Revenue growth 3Y-15.98%
Revenue growth 5Y-15.36%
Sales Q2Q%-11.28%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y40%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.68%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SBT Yearly Revenue VS EstimatesSBT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
SBT Yearly EPS VS EstimatesSBT Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0.5 -0.5 1

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 121.00, SBT can be considered very expensive at the moment.
87.59% of the companies in the same industry are cheaper than SBT, based on the Price/Earnings ratio.
SBT is valuated expensively when we compare the Price/Earnings ratio to 24.12, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 34.23, the valuation of SBT can be described as expensive.
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 79.16% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of SBT to the average of the S&P500 Index (20.42), we can say SBT is valued expensively.
Industry RankSector Rank
PE 121
Fwd PE 34.23
SBT Price Earnings VS Forward Price EarningsSBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

SBT's Price/Free Cash Flow ratio is rather expensive when compared to the industry. SBT is more expensive than 84.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 201.86
EV/EBITDA N/A
SBT Per share dataSBT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SBT does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.02
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for SBT!.
Industry RankSector Rank
Dividend Yield N/A

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Sterling Bancorp Inc

NASDAQ:SBT (3/31/2025, 8:00:02 PM)

After market: 4.88 +0.04 (+0.83%)

4.84

-0.04 (-0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03 2025-02-03/amc
Earnings (Next)05-05 2025-05-05/bmo
Inst Owners26.89%
Inst Owner Change0.72%
Ins Owners2.48%
Ins Owner Change-0.52%
Market Cap253.13M
Analysts80
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.63%
Min Revenue beat(2)-6.42%
Max Revenue beat(2)-2.83%
Revenue beat(4)0
Avg Revenue beat(4)-4.92%
Min Revenue beat(4)-7.35%
Max Revenue beat(4)-2.83%
Revenue beat(8)1
Avg Revenue beat(8)-4.4%
Revenue beat(12)2
Avg Revenue beat(12)-4.24%
Revenue beat(16)4
Avg Revenue beat(16)-3.14%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 121
Fwd PE 34.23
P/S 4.27
P/FCF 201.86
P/OCF 171.85
P/B 0.76
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)0.04
EY0.83%
EPS(NY)0.14
Fwd EY2.92%
FCF(TTM)0.02
FCFY0.5%
OCF(TTM)0.03
OCFY0.58%
SpS1.13
BVpS6.4
TBVpS6.37
PEG (NY)3.02
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.25%
ROE 1.8%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.19%
GM N/A
FCFM 2.12%
ROA(3y)-0.06%
ROA(5y)0.06%
ROE(3y)-0.55%
ROE(5y)0.22%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-46.39%
PM growth 5Y-29.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 20.07%
Cap/Sales 0.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 20.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC19.84%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-72.24%
EPS 3Y-55.43%
EPS 5Y-40.76%
EPS Q2Q%-77.29%
EPS Next Y40%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-15.07%
Revenue growth 3Y-15.98%
Revenue growth 5Y-15.36%
Sales Q2Q%-11.28%
Revenue Next Year6.68%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y104.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y104.99%
OCF growth 3YN/A
OCF growth 5YN/A