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Sterling Bancorp, Inc. SBT NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score
50/100
0/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow
Analyst Price Target
$4.50
-7%

Sterling Bancorp, Inc. (SBT) is a Banks - Regional company in the Financial Services sector, currently trading at $4.84. It has a SharesGrow Score of 50/100, indicating a mixed investment profile with 0 out of 7 criteria passed.

Analyst consensus target is SBT = $5 (-7% upside).

Financials: revenue is $135M, +18.7%/yr average growth. Net income is $2M, growing at -26.5%/yr. Net profit margin is 1.6% (thin). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $12M against $334M equity (Debt-to-Equity (D/E) ratio 0.03, conservative). Current ratio is 105.69 (strong liquidity). Debt-to-assets is 0.5%. Total assets: $2.4B.

Analyst outlook: 2 / 3 analysts rate SBT as buy (67%) — moderate consensus.

SharesGrow 7-Criteria breakdown: Value 26/100 (Fail), Growth 48/100 (Partial), Past 75/100 (Partial), Health 67/100 (Partial), Moat 54/100 (Partial), Future 47/100 (Partial), Income 30/100 (Fail).

$4.50
▼ 7.02% Downside
Average Price Target
Based on 3 Wall Street analysts offering 12-month price targets for Sterling Bancorp, Inc., the average price target is $4.50, with a high forecast of $6.00, and a low forecast of $3.00.
Highest Price Target
$6.00
Average Price Target
$4.50
Lowest Price Target
$3.00

SBT SharesGrow Score Overview

50/100
SharesGrow Score
Mixed signals — some strengths
View full scorecard →
VALUE 26/100
Valuation — P/E, PEG, Forward PEG
GROWTH 48/100
Financials — average growth
PAST 75/100
strong — trend
HEALTH 67/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 54/100
Gross margin is + market cap
FUTURE 47/100
Analyst outlook — as buy
INCOME 30/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — SBT

✗
VALUE Fail
26/100
SBT trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Analyst consensus target is $5, implying +3.3% from the current price $5. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
View details →
~
GROWTH Partial
48/100
SBT: +18.7%/yr revenue is, -26.5%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
View details →
~
PAST Partial
75/100
SBT: 3 / 4 years profitable. mixed. Score = 3 / 4 × 100. ≥ 80 = Pass.
View details →
~
HEALTH Partial
67/100
Balance sheet SBT: Debt-to-Equity (D/E) ratio 0.03 (conservative), Current ratio is 105.69 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
View details →
~
MOAT Partial
54/100
SBT: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 54/100. ≥ 70 = Pass.
View details →
~
FUTURE Partial
47/100
Analyst outlook: 2 / 3 analysts rate SBT as buy (67%). Analyst consensus target is $5 (+3.3% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
View details →
✗
INCOME Fail
30/100
SBT: Net profit margin is 1.6%. thin (0-5%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range4.4-5.97
Volume566.16K
Avg Volume (30D)39.91K
Market Cap$253.13M
Beta (1Y)0.54
Dividend Yield$4.8500
Share Statistics
EPS (TTM)0.04
Shares Outstanding$50.97M
IPO Date2017-11-16
Employees216
CEOThomas M. O'Brien
Financial Highlights & Ratios
Revenue (TTM)$135.14M
Gross Profit$135.14M
Net Income$2.14M
Operating Income$125.07M
Total Cash$1.22B
Total Debt$11.59M
Net Debt$-866.59M
Total Assets$2.44B
Price / Earnings (P/E)115.5
Price / Sales (P/S)1.87
Analyst Forecast
1Y Price Target$4.50
Target High$6.00
Target Low$3.00
Upside-7.0%
Rating ConsensusBuy
Analysts Covering3
Buy 67% Hold 33% Sell 0%
Company Info
CountryUS
ExchangeNASDAQ Capital Marke
CurrencyUSD
ISINUS85917W1027

Price Chart

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SBT
Sterling Bancorp, Inc. ↗  ·  NASDAQ Capital Marke
Financial Services • Banks - Regional
4.40 52WK RANGE 5.97

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