4.84 USD
-0.04 (-0.82%)
4.88 USD
+0.04 (+0.83%)
Taking everything into account, SBT scores 1 out of 10 in our fundamental rating. SBT was compared to 388 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 does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
SBT had positive earnings in the past year.
SBT had a positive operating cash flow in the past year.
In multiple years SBT reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: SBT reported negative operating cash flow in multiple years.
1.2 Ratios
SBT has a worse Return On Assets (0.25%) than 85.86% of its industry peers.
SBT has a Return On Equity of 1.80%. This is amonst the worse of the industry: SBT underperforms 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.
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 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.
The number of shares outstanding for SBT has been increased compared to 1 year ago.
The number of shares outstanding for SBT has been increased compared to 5 years ago.
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.
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.
The earnings per share for SBT have been decreasing by -40.76% on average. This is quite bad
Looking at the last year, SBT shows a very negative growth in Revenue. The Revenue has decreased by -15.07% in the last year.
SBT shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -15.36% yearly.
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
With a Price/Earnings ratio of 121.00, SBT can be considered very expensive at the moment.
SBT's Price/Earnings ratio is rather expensive when compared to the industry. SBT is more expensive than 87.59% of the companies in the same industry.
When comparing the Price/Earnings ratio of SBT to the average of the S&P500 Index (26.39), we can say SBT is valued expensively.
With a Price/Forward Earnings ratio of 34.23, 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 79.16% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, SBT is valued a bit more expensive.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 121 | ||
| Fwd PE | 34.23 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SBT is valued 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 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
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-92.28%
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.