Sterling Bancorp Stock Fundamentals
| SBT Stock | USD 4.90 0.14 2.94% |
Sterling Bancorp fundamentals help investors to digest information that contributes to Sterling Bancorp's financial success or failures. It also enables traders to predict the movement of Sterling Stock. The fundamental analysis module provides a way to measure Sterling Bancorp's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Sterling Bancorp stock.
At this time, Sterling Bancorp's Net Interest Income is comparatively stable compared to the past year. Interest Income is likely to gain to about 135.1 M in 2024, whereas Interest Expense is likely to drop slightly above 4.5 M in 2024. Sterling | Select Account or Indicator |
Sterling Bancorp Company Return On Equity Analysis
Sterling Bancorp's Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.
Current Sterling Bancorp Return On Equity | 0.0232 |
Most of Sterling Bancorp's fundamental indicators, such as Return On Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Sterling Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
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Sterling Total Stockholder Equity
Total Stockholder Equity |
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Based on the latest financial disclosure, Sterling Bancorp has a Return On Equity of 0.0232. This is 98.4% lower than that of the Thrifts & Mortgage Finance sector and significantly higher than that of the Financials industry. The return on equity for all United States stocks is 107.48% lower than that of the firm.
Sterling Bancorp Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Sterling Bancorp's current stock value. Our valuation model uses many indicators to compare Sterling Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Sterling Bancorp competition to find correlations between indicators driving Sterling Bancorp's intrinsic value. More Info.Sterling Bancorp is rated below average in return on equity category among related companies. It is rated below average in return on asset category among related companies reporting about 0.13 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Sterling Bancorp is roughly 7.48 . At this time, Sterling Bancorp's Return On Equity is comparatively stable compared to the past year.Comparative valuation analysis is a catch-all model that can be used if you cannot value Sterling Bancorp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Sterling Bancorp's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Sterling Bancorp's earnings, one of the primary drivers of an investment's value.Sterling Return On Equity Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Sterling Bancorp's direct or indirect competition against its Return On Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Sterling Bancorp could also be used in its relative valuation, which is a method of valuing Sterling Bancorp by comparing valuation metrics of similar companies.Sterling Bancorp is currently under evaluation in return on equity category among related companies.
Sterling Bancorp Current Valuation Drivers
We derive many important indicators used in calculating different scores of Sterling Bancorp from analyzing Sterling Bancorp's financial statements. These drivers represent accounts that assess Sterling Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Sterling Bancorp's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 414.0M | 226.3M | 287.8M | 306.6M | 292.1M | 433.8M | |
| Enterprise Value | 649.2M | (375.4M) | 109.7M | 57.1M | (228.5M) | (217.1M) |
Sterling Fundamentals
| Return On Equity | 0.0232 | ||||
| Return On Asset | 0.0031 | ||||
| Profit Margin | 0.1 % | ||||
| Operating Margin | 0.17 % | ||||
| Current Valuation | (272.81 M) | ||||
| Shares Outstanding | 50.84 M | ||||
| Shares Owned By Insiders | 49.50 % | ||||
| Shares Owned By Institutions | 27.20 % | ||||
| Number Of Shares Shorted | 197.32 K | ||||
| Price To Earning | 14.41 X | ||||
| Price To Book | 0.72 X | ||||
| Price To Sales | 3.17 X | ||||
| Revenue | 129.51 M | ||||
| Gross Profit | 90.08 M | ||||
| EBITDA | 1.33 M | ||||
| Net Income | 7.41 M | ||||
| Cash And Equivalents | 286.35 M | ||||
| Cash Per Share | 5.64 X | ||||
| Total Debt | 62.54 M | ||||
| Debt To Equity | 12.58 % | ||||
| Book Value Per Share | 6.29 X | ||||
| Cash Flow From Operations | (25.16 M) | ||||
| Short Ratio | 5.48 X | ||||
| Earnings Per Share | 0.15 X | ||||
| Target Price | 7.0 | ||||
| Number Of Employees | 248 | ||||
| Beta | 0.57 | ||||
| Market Capitalization | 242.02 M | ||||
| Total Asset | 2.42 B | ||||
| Retained Earnings | 241.96 M | ||||
| Net Asset | 2.42 B |
About Sterling Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Sterling Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Sterling Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Sterling Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Total Revenue | 129.5 M | 117.4 M | |
| Cost Of Revenue | 51.6 M | 27.2 M | |
| Stock Based Compensation To Revenue | 0.02 | 0.02 | |
| Sales General And Administrative To Revenue | 0.29 | 0.22 | |
| Research And Ddevelopement To Revenue | 0.00 | 0.00 | |
| Capex To Revenue | (0) | (0) | |
| Revenue Per Share | 2.56 | 1.69 | |
| Ebit Per Revenue | 0.83 | 0.63 |
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Sterling Bancorp in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Sterling Bancorp's short interest history, or implied volatility extrapolated from Sterling Bancorp options trading.
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When determining whether Sterling Bancorp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Sterling Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Sterling Bancorp Stock. Highlighted below are key reports to facilitate an investment decision about Sterling Bancorp Stock:Check out Sterling Bancorp Piotroski F Score and Sterling Bancorp Altman Z Score analysis. For more information on how to buy Sterling Stock please use our How to Invest in Sterling Bancorp guide.Note that the Sterling Bancorp information on this page should be used as a complementary analysis to other Sterling Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Sync Your Broker module to sync your existing holdings, watchlists, positions or portfolios from thousands of online brokerage services, banks, investment account aggregators and robo-advisors..
Complementary Tools for Sterling Stock analysis
When running Sterling Bancorp's price analysis, check to measure Sterling Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Sterling Bancorp is operating at the current time. Most of Sterling Bancorp's value examination focuses on studying past and present price action to predict the probability of Sterling Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Sterling Bancorp's price. Additionally, you may evaluate how the addition of Sterling Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is Sterling Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Sterling Bancorp. If investors know Sterling will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Sterling Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.69) | Earnings Share 0.15 | Revenue Per Share 1.506 | Quarterly Revenue Growth 0.038 | Return On Assets 0.0031 |
The market value of Sterling Bancorp is measured differently than its book value, which is the value of Sterling that is recorded on the company's balance sheet. Investors also form their own opinion of Sterling Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Sterling Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Sterling Bancorp's market value can be influenced by many factors that don't directly affect Sterling Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Sterling Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Sterling Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Sterling Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.