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Sterling BanCorp (STL) Stock Fundamental Analysis

USA - New York Stock Exchange - 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

STL gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of STL have multiple concerns. While showing a medium growth rate, STL is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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 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 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 2016 2017 2018 2019 2020 2021 10 20 30 40

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1

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, STL has less shares outstanding
  • STL has a better debt/assets ratio than last year.
STL Yearly Shares OutstandingSTL Yearly Shares OutstandingYearly Shares Outstanding 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 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 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

  • The Earnings Per Share has grown by an impressive 76.86% over the past year.
  • 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.
  • STL shows a small growth in Revenue. In the last year, the Revenue has grown by 0.33%.
  • STL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.12% yearly.
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

  • Based on estimates for the next years, STL will show a small growth in Earnings Per Share. The EPS will grow by 6.52% on average per year.
  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
STL Yearly Revenue VS EstimatesSTL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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

  • Based on the Price/Earnings ratio of 12.29, the valuation of STL can be described as correct.
  • Compared to an average S&P500 Price/Earnings ratio of 27.32, STL is valued rather cheaply.
  • STL is valuated correctly with a Price/Forward Earnings ratio of 12.16.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.30, STL is valued a bit cheaper.
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.
  • With a Dividend Yield of 1.03, STL pays less dividend than the S&P500 average, which is at 1.86.
Industry RankSector Rank
Dividend Yield 1.03%

5.2 History

  • STL has paid a dividend for at least 10 years, which is 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 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 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
Earnings (Next)01-19
Inst Owners1.1%
Inst Owner Change0%
Ins Owners1.57%
Ins Owner Change0%
Market Cap5.07B
Revenue(TTM)1.00B
Net Income(TTM)404.79M
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
Graham NumberN/A
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
ROICexgc growth 3Y0%
ROICexgc 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

Sterling BanCorp / STL FAQ

What is the ChartMill fundamental rating of Sterling BanCorp (STL) stock?

ChartMill assigns a fundamental rating of 4 / 10 to STL.


What is the valuation status of Sterling BanCorp (STL) stock?

ChartMill assigns a valuation rating of 3 / 10 to Sterling BanCorp (STL). This can be considered as Overvalued.


What is the profitability of STL stock?

Sterling BanCorp (STL) has a profitability rating of 6 / 10.


What are the PE and PB ratios of Sterling BanCorp (STL) stock?

The Price/Earnings (PE) ratio for Sterling BanCorp (STL) is 12.29 and the Price/Book (PB) ratio is 1.04.


How sustainable is the dividend of Sterling BanCorp (STL) stock?

The dividend rating of Sterling BanCorp (STL) is 2 / 10 and the dividend payout ratio is 0%.