STL · Sterling Bancorp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $19.49M | $19.93M | $20.35M | $11.67M | $8.38M | $7.48M |
| Operating Income | $255.67M | $539.97M | $566.23M | $180.97M | $207.35M | $97.95M |
| Interest Expense | $149.10M | $283.62M | $241.07M | $106.31M | $57.28M | $36.92M |
| Income Tax | $29.90M | $112.92M | $118.98M | $87.94M | $67.38M | $31.84M |
| Net Income | $225.77M | $427.04M | $447.25M | $93.03M | $139.97M | $66.11M |
| EPS - Basic | $1.12 | $2.04 | $1.96 | $0.58 | $1.07 | $0.60 |
| EPS - Diluted | $1.12 | $2.03 | $1.95 | $0.58 | $1.07 | $0.60 |
Balance Sheet
| Line item | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $305.00M | $293.65M | $438.11M | $479.91M | $293.65M | $229.51M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $29.82B | $30.59B | $31.38B | $30.36B | $14.18B | $11.96B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $1.32B | $2.89B | $5.21B | $4.99B | $2.06B | $1.53B |
| Total Liabilities | $25.23B | $26.06B | $26.95B | $26.12B | $12.32B | $10.29B |
| Stockholders' Equity | $4.59B | $4.53B | $4.43B | $4.24B | $1.86B | $1.67B |
| Retained Earnings | $1.29B | $1.17B | $791.55M | $401.96M | $349.31M | $245.41M |
Cash Flow
| Line item | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $391.84M | $438.07M | $394.77M | $242.60M | $198.90M | $91.76M |
| Investing Cash Flow | $618.41M | $1.03B | ($1.06B) | ($1.41B) | ($2.21B) | ($636.76M) |
| Financing Cash Flow | ($1.03B) | ($1.58B) | $625.99M | $1.35B | $2.08B | $653.00M |
| CapEx | $20.06M | $23.70M | $24.02M | $8.26M | $4.16M | $8.05M |
| Free Cash Flow | $371.78M | $414.36M | $370.76M | $234.35M | $194.74M | $83.71M |
Ratios
| Metric | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.65 | 0.97 | 0.83 | 2.52 | 1.39 | 1.27 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 11.7% | 20.9% | 21.0% | 48.6% | 32.5% | 32.5% |
| Return on assets | 0.8% | 1.4% | 1.4% | 0.3% | 1.0% | 0.6% |
| Return on equity | 4.9% | 9.4% | 10.1% | 2.2% | 7.5% | 4.0% |
| Return on invested capital | 3.8% | 5.8% | 4.6% | 1.0% | 3.6% | 2.1% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.29 | 0.64 | 1.18 | 1.18 | 1.11 | 0.92 |
| Debt / Assets | 0.04 | 0.09 | 0.17 | 0.16 | 0.15 | 0.13 |
| Debt / EBITDA | 4.80 | 5.15 | 8.89 | 25.91 | 9.53 | 14.47 |
| Interest coverage | 1.7x | 1.9x | 2.3x | 1.7x | 3.6x | 2.7x |
| Equity multiplier | 6.50 | 6.75 | 7.09 | 7.16 | 7.64 | 7.18 |
| Liabilities / Assets | 0.85 | 0.85 | 0.86 | 0.86 | 0.87 | 0.86 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -52.7% | -4.6% | 212.9% | -12.7% | 111.7% | 158.9% |
| Net income growth (YoY) | -47.1% | -4.5% | 380.8% | -33.5% | 111.7% | 138.9% |
| EPS growth (YoY) | -44.8% | 4.1% | 236.2% | -45.8% | 78.3% | 76.5% |
| EPS CAGR (3y) | 24.5% | 23.8% | 48.1% | 19.5% | 22.6% | 4.9% |
| EPS CAGR (5y) | 13.3% | 43.0% | 27.4% | 2.2% | 9.8% | - |
| FCF growth (YoY) | -10.3% | 11.8% | 58.2% | 20.3% | 132.6% | -33.1% |
| FCF CAGR (5y) | 34.7% | 27.1% | 78.8% | 58.8% | 75.1% | - |
| Book value growth (YoY) | 1.3% | 2.3% | 4.4% | 128.6% | 11.4% | 73.2% |
Stability scores
Piotroski F-score
FY 2020 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing STERLING BANCORP against the 5 most active filers in the same SIC group.