Stock SBT STERLING BANCORP, INC. (SOUTHFIELD, MI)
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Financials Sterling Bancorp, Inc. (Southfield, MI)

Equities

SBT

US85917W1027

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
4.95 USD +2.06% Intraday chart for Sterling Bancorp, Inc. (Southfield, MI) +1.02% -14.21%
Apr. 24 Transcript : Sterling Bancorp, Inc. (Southfield, MI), Q1 2024 Earnings Call, Apr 24, 2024
Apr. 24 Earnings Flash (SBT) STERLING BANCORP Reports Q1 EPS $-0.00 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 406.6 226.9 290.1 309.4 300.5 257.6 -
Enterprise Value (EV) 1 406.6 226.9 290.1 309.4 300.5 257.6 257.6
P/E ratio 7.3 x -17.5 x 14.4 x 76.1 x 38.5 x 35.4 x 30.9 x
Yield 0.49% 0.22% - - - 0.81% 0.81%
Capitalization / Revenue 3.07 x 2.06 x 2.99 x 3.86 x 4.44 x 4.22 x 3.93 x
EV / Revenue 3.07 x 2.06 x 2.99 x 3.86 x 4.44 x 4.22 x 3.93 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.15 x 0.71 x 0.85 x 0.98 x 0.92 x 0.81 x 0.8 x
Nbr of stocks (in thousands) 50,203 49,974 50,449 50,800 52,073 52,047 -
Reference price 2 8.100 4.540 5.750 6.090 5.770 4.950 4.950
Announcement Date 1/29/20 2/1/21 2/3/22 1/30/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 132.4 110.1 96.99 80.15 67.74 61.02 65.51
EBITDA - - - - - - -
EBIT - 35.99 24.77 0.74 - - -
Operating Margin - 32.69% 25.54% 0.92% - - -
Earnings before Tax (EBT) 1 77.71 -18.88 28.54 10.67 10.56 10.02 11.51
Net income 1 56.95 -12.97 20.13 4.045 7.413 7.01 8.05
Net margin 43% -11.78% 20.76% 5.05% 10.94% 11.49% 12.29%
EPS 2 1.110 -0.2600 0.4000 0.0800 0.1500 0.1400 0.1600
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.0400 0.0100 - - - 0.0400 0.0400
Announcement Date 1/29/20 2/1/21 2/3/22 1/30/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 24.7 25.28 22.68 19.52 19.18 18.77 17.95 18.1 16.38 15.32 15.13 15.12 15.03 15.4 15.83
EBITDA - - - - - - - - - - - - - - -
EBIT 5.702 5.418 3.26 0.021 -2.439 -0.102 0.117 0.754 -1.324 - - - - - -
Operating Margin 23.09% 21.43% 14.37% 0.11% -12.72% -0.54% 0.65% 4.17% -8.08% - - - - - -
Earnings before Tax (EBT) 1 13.22 7.043 7.549 1.13 1.918 0.077 -0.557 3.656 0.618 6.845 -0.3 2.12 2.53 2.9 2.33
Net income 1 9.557 4.798 5.26 -2.197 1.176 -0.194 -0.503 2.539 0.314 5.063 -0.197 1.49 1.77 2.03 1.63
Net margin 38.7% 18.98% 23.19% -11.26% 6.13% -1.03% -2.8% 14.03% 1.92% 33.05% -1.3% 9.85% 11.78% 13.18% 10.3%
EPS 2 0.1900 0.1000 0.1000 -0.0400 0.0200 - -0.0100 0.0500 0.0100 0.1000 0.0300 0.0300 0.0300 0.0400 0.0300
Dividend per Share 2 0.0100 - - - - - - - - - 0.0100 0.0100 0.0100 0.0100 0.0100
Announcement Date 11/1/21 2/3/22 5/2/22 8/15/22 10/31/22 1/30/23 5/1/23 7/26/23 10/25/23 1/24/24 4/24/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 16.4% -3.85% 6.08% 1.19% 2.35% 2.21% 2.51%
ROA (Net income/ Total Assets) 1.74% -0.35% 0.59% 0.15% 0.3% 0.29% 0.33%
Assets 1 3,273 3,705 3,412 2,697 2,471 2,417 2,439
Book Value Per Share 2 7.050 6.390 6.750 6.210 6.290 6.140 6.220
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/29/20 2/1/21 2/3/22 1/30/23 1/24/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Sterling Bancorp, Inc. (Southfield, MI)

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
1
Last Close Price
4.95 USD
Average target price
7 USD
Spread / Average Target
+41.41%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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