Sterling Bancorp Inc (SBT) Stock Fundamental Analysis
USA - NASDAQ:SBT - US85917W1027 - Common Stock
4.84 USD
-0.04 (-0.82%)
4.88 USD
+0.04 (+0.83%)
We assign a fundamental rating of 1 out of 10 to SBT. SBT was compared to 390 industry peers in the Banks industry. While SBT seems to be doing ok healthwise, there are quite some concerns on its profitability. SBT does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year SBT was profitable.
SBT had a positive 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.
In multiple years SBT reported negative operating cash flow during the last 5 years.
1.2 Ratios
SBT has a worse Return On Assets (0.25%) than 85.86% of its industry peers.
The Return On Equity of SBT (1.80%) is worse than 86.35% of its industry peers.
| Industry Rank | Sector 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
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 Rank | Sector 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
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.
Compared to 5 years ago, SBT has more shares outstanding
SBT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SBT have decreased strongly by -72.24% in the last year.
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.
Looking at the last year, SBT shows a very negative growth in Revenue. The Revenue has decreased by -15.07% in the last year.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 121.00, the valuation of SBT can be described as expensive.
Based on the Price/Earnings ratio, SBT is valued expensively inside the industry as 87.59% of the companies are valued cheaper.
SBT's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.08.
SBT is valuated quite expensively with a Price/Forward Earnings ratio of 34.23.
79.16% of the companies in the same industry are cheaper than SBT, based on the Price/Forward Earnings ratio.
SBT is valuated rather expensively when we compare the Price/Forward Earnings ratio to 23.09, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 121 | ||
| Fwd PE | 34.23 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 201.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.02
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SBT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
4.84
-0.04 (-0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners26.89%
Inst Owner Change-0.26%
Ins Owners2.48%
Ins Owner Change0%
Market Cap253.13M
Revenue(TTM)57.53M
Net Income(TTM)6.04M
Analysts80
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector 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
Graham NumberN/A
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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
Sterling Bancorp Inc / SBT FAQ
Can you provide the ChartMill fundamental rating for Sterling Bancorp Inc?
ChartMill assigns a fundamental rating of 1 / 10 to SBT.
What is the valuation status for SBT stock?
ChartMill assigns a valuation rating of 0 / 10 to Sterling Bancorp Inc (SBT). This can be considered as Overvalued.
What is the profitability of SBT stock?
Sterling Bancorp Inc (SBT) has a profitability rating of 1 / 10.
Can you provide the PE and PB ratios for SBT stock?
The Price/Earnings (PE) ratio for Sterling Bancorp Inc (SBT) is 121 and the Price/Book (PB) ratio is 0.76.
What is the earnings growth outlook for Sterling Bancorp Inc?
The Earnings per Share (EPS) of Sterling Bancorp Inc (SBT) is expected to grow by 40% in the next year.