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STERLING BANCORP INC/MI (SBT) Stock Fundamental Analysis

NASDAQ:SBT - Nasdaq - US85917W1027 - Common Stock

4.76  +0.03 (+0.63%)

Fundamental Rating

2

Overall SBT gets a fundamental rating of 2 out of 10. We evaluated SBT against 405 industry peers in the Banks industry. SBT scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. SBT has a expensive valuation and it also scores bad on growth.


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.
In multiple years SBT reported negative net income over the last 5 years.
SBT had a positive operating cash flow in 4 of the past 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 0 20M -20M 40M 60M

1.2 Ratios

SBT has a worse Return On Assets (0.25%) than 86.93% of its industry peers.
With a Return On Equity value of 1.80%, SBT is not doing good in the industry: 87.94% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.25%
ROE 1.8%
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
SBT Yearly ROA, ROE, ROICSBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 10 15 20

1.3 Margins

SBT has a Profit Margin of 10.19%. This is amonst the worse of the industry: SBT underperforms 84.17% of its industry peers.
In the last couple of years the Profit Margin of SBT has declined.
The Operating Margin and Gross Margin are not available for SBT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 10.19%
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
SBT Yearly Profit, Operating, Gross MarginsSBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40

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4

2. Health

2.1 Basic Checks

SBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SBT has more shares outstanding
The number of shares outstanding for SBT has been reduced 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 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 1B 2B 3B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC20.32%
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 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 20M 40M 60M 80M 100M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 87.50% over the past year.
Measured over the past years, SBT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -34.02% on average per year.
Looking at the last year, SBT shows a very negative growth in Revenue. The Revenue has decreased by -16.76% 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)87.5%
EPS 3YN/A
EPS 5Y-34.02%
EPS Q2Q%-128%
Revenue 1Y (TTM)-16.76%
Revenue growth 3Y-14.95%
Revenue growth 5Y-13.77%
Sales Q2Q%-14.54%

3.2 Future

The Earnings Per Share is expected to decrease by -2.91% on average over the next years.
Based on estimates for the next years, SBT will show a decrease in Revenue. The Revenue will decrease by -3.60% on average per year.
EPS Next Y-32.67%
EPS Next 2Y-2.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-12.89%
Revenue Next 2Y-3.6%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0.5 -0.5 1

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0

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 31.73 indicates a quite expensive valuation of SBT.
SBT's Price/Earnings ratio is rather expensive when compared to the industry. SBT is more expensive than 85.18% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. SBT is around the same levels.
With a Price/Forward Earnings ratio of 33.66, SBT can be considered very expensive at the moment.
SBT's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SBT is more expensive than 79.90% of the companies in the same industry.
SBT's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 24.44.
Industry RankSector Rank
PE 31.73
Fwd PE 33.66
SBT Price Earnings VS Forward Price EarningsSBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

SBT's Price/Free Cash Flow ratio is rather expensive when compared to the industry. SBT is more expensive than 83.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 193.82
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

SBT's earnings are expected to decrease with -2.91% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.91%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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STERLING BANCORP INC/MI

NASDAQ:SBT (1/22/2025, 11:31:56 AM)

4.76

+0.03 (+0.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2024-10-28/amc
Earnings (Next)02-03 2025-02-03/amc
Inst Owners27.11%
Inst Owner Change0.08%
Ins Owners2.98%
Ins Owner Change-0.12%
Market Cap243.05M
Analysts80
Price Target7.14 (50%)
Short Float %1.77%
Short Ratio8.82
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
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 31.73
Fwd PE 33.66
P/S 4.1
P/FCF 193.82
P/OCF 165
P/B 0.73
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)0.15
EY3.15%
EPS(NY)0.14
Fwd EY2.97%
FCF(TTM)0.02
FCFY0.52%
OCF(TTM)0.03
OCFY0.61%
SpS1.16
BVpS6.55
TBVpS6.53
PEG (NY)N/A
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)0.18%
ROA(5y)0.22%
ROE(3y)1.51%
ROE(5y)1.85%
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 3YN/A
PM growth 5Y-24.53%
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
WACC20.32%
ROIC/WACCN/A
Cap/Depr(3y)43.2%
Cap/Depr(5y)53.77%
Cap/Sales(3y)0.81%
Cap/Sales(5y)0.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)87.5%
EPS 3YN/A
EPS 5Y-34.02%
EPS Q2Q%-128%
EPS Next Y-32.67%
EPS Next 2Y-2.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.76%
Revenue growth 3Y-14.95%
Revenue growth 5Y-13.77%
Sales Q2Q%-14.54%
Revenue Next Year-12.89%
Revenue Next 2Y-3.6%
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 1Y-59.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-35.68%
OCF growth 3YN/A
OCF growth 5YN/A