Sterling Bancorp (NASDAQ: SBT) is one of 93 publicly-traded companies in the “Federal savings institutions” industry, but how does it contrast to its competitors? We will compare Sterling Bancorp to related companies based on the strength of its profitability, dividends, institutional ownership, earnings, analyst recommendations, risk and valuation.

Risk and Volatility

Sterling Bancorp has a beta of 1.34, meaning that its share price is 34% more volatile than the S&P 500. Comparatively, Sterling Bancorp’s competitors have a beta of 0.51, meaning that their average share price is 49% less volatile than the S&P 500.

Insider and Institutional Ownership

31.3% of Sterling Bancorp shares are held by institutional investors. Comparatively, 40.2% of shares of all “Federal savings institutions” companies are held by institutional investors. 3.0% of Sterling Bancorp shares are held by company insiders. Comparatively, 9.6% of shares of all “Federal savings institutions” companies are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Valuation & Earnings

This table compares Sterling Bancorp and its competitors top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Sterling Bancorp $183.81 million $63.47 million 8.22
Sterling Bancorp Competitors $903.88 million $212.26 million 15.64

Sterling Bancorp’s competitors have higher revenue and earnings than Sterling Bancorp. Sterling Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Dividends

Sterling Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. Sterling Bancorp pays out 3.3% of its earnings in the form of a dividend. As a group, “Federal savings institutions” companies pay a dividend yield of 2.6% and pay out 35.7% of their earnings in the form of a dividend.

Profitability

This table compares Sterling Bancorp and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Sterling Bancorp 34.53% 20.36% 2.02%
Sterling Bancorp Competitors 17.31% 8.57% 0.90%

Analyst Recommendations

This is a summary of current ratings and target prices for Sterling Bancorp and its competitors, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Sterling Bancorp 0 0 2 0 3.00
Sterling Bancorp Competitors 512 1406 1217 86 2.27

Sterling Bancorp currently has a consensus price target of $13.50, indicating a potential upside of 36.92%. As a group, “Federal savings institutions” companies have a potential upside of 16.09%. Given Sterling Bancorp’s stronger consensus rating and higher probable upside, research analysts plainly believe Sterling Bancorp is more favorable than its competitors.

Summary

Sterling Bancorp beats its competitors on 8 of the 15 factors compared.

About Sterling Bancorp

Sterling Bancorp, Inc. is a unitary thrift holding company. Its wholly owned subsidiary, Sterling Bank and Trust, F.S.B., has primary branch operations in San Francisco and Los Angeles, California and New York City, and a loan production office in Seattle, Washington. Sterling offers a broad range of loan products to the residential and commercial markets, as well as retail and business banking services. Sterling also has an operations center and a branch in Southfield, Michigan. Sterling was named as the top performing community bank in the United States with total assets between $1 billion and $10 billion in 2017 by SNL/S&P Global Market Intelligence.

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