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Sterling BanCorp (STL) Stock Fundamental Analysis

USA - NYSE:STL - Common Stock

26.29
-0.88 (-3.24%)
Last: 1/31/2022, 8:34:59 PM
26.25
-0.04 (-0.15%)
After Hours: 1/31/2022, 8:34:59 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to STL. STL was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of STL have multiple concerns. STL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year STL was profitable.
STL Yearly Net Income VS EBIT VS OCF VS FCFSTL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 100M 200M 300M 400M

1.2 Ratios

Industry RankSector Rank
ROA 1.36%
ROE 8.29%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
STL Yearly ROA, ROE, ROICSTL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

The Operating Margin and Gross Margin are not available for STL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 40.33%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
STL Yearly Profit, Operating, Gross MarginsSTL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 10 20 30 40

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for STL has been reduced compared to 1 year ago.
The debt/assets ratio for STL has been reduced compared to a year ago.
STL Yearly Shares OutstandingSTL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M
STL Yearly Total Debt VS Total AssetsSTL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 10B 20B 30B

2.2 Solvency

A Debt/Equity ratio of 0.10 indicates that STL is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
STL Yearly LT Debt VS Equity VS FCFSTL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. Growth

3.1 Past

STL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 76.86%, which is quite impressive.
Measured over the past years, STL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.03% on average per year.
The Revenue has been growing slightly by 0.33% in the past year.
The Revenue has been growing by 16.12% on average over the past years. This is quite good.
EPS 1Y (TTM)76.86%
EPS 3Y2.45%
EPS 5Y14.03%
EPS Q2Q%30.61%
Revenue 1Y (TTM)0.33%
Revenue growth 3Y-2.13%
Revenue growth 5Y16.12%
Sales Q2Q%0.93%

3.2 Future

STL is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.52% yearly.
Based on estimates for the next years, STL will show a small growth in Revenue. The Revenue will grow by 0.03% on average per year.
EPS Next Y1%
EPS Next 2Y5.31%
EPS Next 3Y5.94%
EPS Next 5Y6.52%
Revenue Next Year1.5%
Revenue Next 2Y0.27%
Revenue Next 3Y-0.06%
Revenue Next 5Y0.03%

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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
STL Yearly Revenue VS EstimatesSTL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
STL Yearly EPS VS EstimatesSTL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.29, STL is valued correctly.
Compared to an average S&P500 Price/Earnings ratio of 27.40, STL is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 12.16, the valuation of STL can be described as correct.
STL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.94.
Industry RankSector Rank
PE 12.29
Fwd PE 12.16
STL Price Earnings VS Forward Price EarningsSTL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
STL Per share dataSTL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates STL does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)12.29
PEG (5Y)0.88
EPS Next 2Y5.31%
EPS Next 3Y5.94%

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2

5. Dividend

5.1 Amount

STL has a Yearly Dividend Yield of 1.03%. Purely for dividend investing, there may be better candidates out there.
Compared to an average S&P500 Dividend Yield of 2.36, STL's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.03%

5.2 History

STL has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)0%
Div Incr YearsN/A
Div Non Decr YearsN/A
STL Yearly Dividends per shareSTL Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

DP0%
EPS Next 2Y5.31%
EPS Next 3Y5.94%
STL Yearly Income VS Free CF VS DividendSTL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 100M 200M 300M 400M

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Sterling BanCorp

NYSE:STL (1/31/2022, 8:34:59 PM)

After market: 26.25 -0.04 (-0.15%)

26.29

-0.88 (-3.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-20 2021-10-20
Earnings (Next)01-19 2022-01-19
Inst Owners1.1%
Inst Owner Change0%
Ins Owners1.57%
Ins Owner Change0%
Market Cap5.07B
Analysts80
Price Target29.05 (10.5%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.03%
Yearly Dividend0.28
Dividend Growth(5Y)0%
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.29
Fwd PE 12.16
P/S 5.05
P/FCF N/A
P/OCF N/A
P/B 1.04
P/tB N/A
EV/EBITDA N/A
EPS(TTM)2.14
EY8.14%
EPS(NY)2.16
Fwd EY8.22%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.21
BVpS25.33
TBVpSN/A
PEG (NY)12.29
PEG (5Y)0.88
Profitability
Industry RankSector Rank
ROA 1.36%
ROE 8.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 40.33%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
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)76.86%
EPS 3Y2.45%
EPS 5Y14.03%
EPS Q2Q%30.61%
EPS Next Y1%
EPS Next 2Y5.31%
EPS Next 3Y5.94%
EPS Next 5Y6.52%
Revenue 1Y (TTM)0.33%
Revenue growth 3Y-2.13%
Revenue growth 5Y16.12%
Sales Q2Q%0.93%
Revenue Next Year1.5%
Revenue Next 2Y0.27%
Revenue Next 3Y-0.06%
Revenue Next 5Y0.03%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A