| 2013 | 2014 | 2015 | 2018 | 2019 (projected) | ST Bancorp Share Based Compensation | 591,000 | 959,000 | 1,583,000 | 1,820,450 | 1,534,598 | ST Bancorp Net Cash Flow from Operations | 86,076,000 | 78,103,000 | 60,584,000 | 54,525,600 | 128,020,000 |
Will ST Bancorp continue to grow in April?
 | By Rifka Kats | Macroaxis Story |
Despite somewhat strong basic indicators, ST Bancorp is not utilizing all of its potentials. The current stock price disturbance, may contribute to short term losses for the investors. Macroaxis considers ST Bancorp to be not too risky. ST Bancorp retains Efficiency (Sharpe Ratio) of -0.0351 which indicates the firm had -0.0351% of return per unit of price deviation over the last 1 month. Macroaxis approach towards measuring risk of any stock is to look at both systematic and un-systematic factors of the business, including all available market data and technical indicators. ST Bancorp exposes twenty-one different technical indicators which can help you to evaluate volatility that cannot be diversified away. Please be advised to validate ST Bancorp Mean Deviation of 0.883, Risk Adjusted Performance of 0.0366 and Downside Deviation of 1.29 to confirm risk estimate we provide.
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Reviewed by Michael Smolkin
The company currently holds 609.66M in liabilities with Debt to Equity (D/E) ratio of 6.98 indicating the organisation may have difficulties to generate enough cash to satisfy its financial obligations. This firm dividends can provide a clue to current valuation of the stock. ST Bancorp one year expected dividend income is about $0.45 per share. Let me now go over ST Bancorp Cash and Equivalents. In accordance with recently published financial statements ST Bancorp has 122.5M in Cash and Equivalents. This is much higher than that of the Financial Services sector, and significantly higher than that of Banks - Regional - US industry, The Cash and Equivalents for all stocks is notably lower than ST Bancorp.
Typically, a company's financial statements are the reports that show the financial position of the company. There are three main documents that fall into the category of financial statements. These documents include ST Bancorp income statement, its balance sheet, and the statement of cash flows. Potential ST Bancorp investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although ST Bancorp investors may use each financial statement separately, they are all related. The changes in ST Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on ST Bancorp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
The goal of ST Bancorp fundamental analysis is to do accurate financial forecasts. There are several possible objectives to fundamental analysis, such as projecting of ST Bancorp performance into the future periods or doing a reasonable stock valuation. The intrinsic value of ST Bancorp shares is the value that is considered the true value of the share. If the intrinsic value of STBA is higher than its market price, buying is generally recommended. If it is equal to the market price, it is recommended to hold; and if it is less than the market price, then one should sell all shares ST Bancorp. Please read more on our fundamental analysis page. How effective is ST Bancorp in utilizing its assets?
ST Bancorp reports assets on its Balance Sheet. It represents the amount of STBA resources that either has an existing economic value or will provide some form of benefits in the future. By effectively utilizing its assets, ST Bancorp aims to generate revenue, control costs, drive operational efficiency, and enhance profitability. Optimizing asset utilization helps maximize shareholder value and maintain a competitive position in the Regional Banks space. To get a better handle on how balance sheet or income statements item affect STBA volatility, please check the breakdown of all its fundamentals.Are ST Bancorp Earnings Expected to grow?
The future earnings power of ST Bancorp involves the interaction of many company-specific, industry, and economic forces. Earnings estimates embody investors' opinions of ST Bancorp factors such as sales growth, product demand, competitive industry environment, profit margins, and cost controls. ST Bancorp stock prices adjust as these expectations change or are proven wrong. The main thing to remember is that equities with high expected earnings growth tend to underperform the market because it is usually difficult to meet the market's high expectations. Companies with low earnings expectations tend to do better than expected. Please use our latest analysis of STBA expected earnings.
And What about dividends?
A dividend is the distribution of a portion of ST Bancorp earnings, decided and managed by the company's board of directors and paid to a class of its shareholders. Note, announcements of dividend payouts are generally accompanied by a proportional increase or decrease in a company's stock price. ST Bancorp dividend payments follow a chronological order of events, and the associated dates are important to determine the shareholders who qualify for receiving the dividend payment. STBA one year expected dividend income is about USD0.84 per share.
The current year's Dividend Paid And Capex Coverage Ratio is expected to grow to 4.72, whereas Dividends Paid is projected to grow to (47.2 M). | Last Reported | Projected for Next Year | ||
| Dividends Paid | -49.7 M | -47.2 M | |
| Dividend Yield | 0.04 | 0.03 | |
| Dividend Payout Ratio | 0.34 | 0.33 | |
| Dividend Paid And Capex Coverage Ratio | 3.95 | 4.72 |
Investing in dividend-paying stocks, such as ST Bancorp is one of the few strategies that are good for long-term investment. Ex-dividend dates are significant because investors in ST Bancorp must own a stock before its ex-dividend date to receive its next dividend.
This type of analysis is very useful when you want to generate a past dividend schedule and payout information for ST Bancorp. Then that information in the form of graph and calendar can be used to fully explain how Du Pont dividends can provide a real clue to its valuation.ST Bancorp Gross Profit
ST Bancorp Gross Profit growth is one of the most critical measures in evaluating the company. The Gross Profit growth rate is calculated simply by comparing ST Bancorp previous period's values with its current period's values. Each time period you're measuring should be of equal lengths the increase or decrease, in a company's Gross Profit between two periods. Here we show ST Bancorp Gross Profit growth over the last 10 years. Please check ST Bancorp's gross profit and other fundamental indicators for more details.
Breaking down ST Bancorp Further
ST Bancorp has beta of 0.73. As returns on market increase, ST Bancorp returns are expected to increase less than the market. However during bear market, the loss on holding ST Bancorp will be expected to be smaller as well. The small decline in market price for the last few months has created some momentum for investors as it was traded today as low as 39.99 and as high as 40.7 per share. The company executives did not add much value to ST Bancorp investors in February. However, diversifying your holdings with ST Bancorp or similar stocks can still protect your portfolio during high-volatility market scenarios. The stock standard deviation of daily returns for 30 days (very short) investing horizon is currently 1.1991. The below-average Stock volatility is a good sign for a longer term investment options and for buy-and-hold investors. ST Bancorp preserves 122.5m of cash and equivalents. ST Bancorp is trading at 40.35. This is 0.96% down. Today lowest is 39.99. ST Bancorp Share Based Compensation is increasing over the last 5 years. ST Bancorp Debt to Equity Ratio is increasing over the last 5 years. Additionally, ST Bancorp Revenue to Assets is somewhat stable at the moment.
To summarize, we believe that at this point ST Bancorp is not too risky with below average probability of distress within the next 2 years. Our ongoing buy/sell recommendation on the company is Cautious Hold.
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