Sterling Bancorp, Inc.

SBT

SBTSterling Bancorp, Inc. US flag

NASDAQ Capital Market

4.84

USD

-0.04

- -

253.13MMarket Cap

Income Statement (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Sales/Revenue/Turnover	66	90	114	142	132	110	96	80	68	58
+ Sales & Services Revenue	66	90	114	142	132	110	96	80	68	58
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	17	20	26	32	30	32	30	35	37	35
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-17	-20	-26	-32	-30	-32	-30	-35	-37	-35
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-38	-56	-70	-89	-45	19	-33	8	-11	-4
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-38	-56	-70	-89	-45	19	-33	8	-11	-4
Pretax Income	38	56	70	89	45	-19	33	-8	11	4
- Income Tax Expense (Benefit)	15	23	32	25	16	-6	10	7	3	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	23	33	38	63	29	-13	23	-14	7	2
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	23	33	38	63	29	-13	23	-14	7	2
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	23	33	38	63	29	-13	23	-14	7	2
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	23	33	38	63	29	-13	23	-14	7	2
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	2	2	2	2	2	2	2	2	1	1
EBITDA Margin (%)	2.37	1.67	1.44	1.3	1.22	1.46	1.84	1.92	1.96	1.79
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	34	36.79	33.34	44.65	22.09	-11.78	24.47	-17.71	10.94	3.72
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.13	0.16	0.21	0.04	0.04	0.01	- -	- -	- -	- -
Depreciation Expense	2	2	2	2	2	2	2	2	1	1
Basic Weighted Avg Shares	53	53	46	53	51	50	50	50	51	51
Basic EPS, GAAP	0.43	0.63	0.82	1.2	0.57	-0.26	0.47	-0.28	0.15	0.04
Basic EPS from Cont Ops	0.43	0.63	0.82	1.2	0.57	-0.26	0.47	-0.28	0.15	0.04
Diluted Weighted Avg Shares	53	53	46	53	51	50	50	51	51	51
Diluted EPS, GAAP	0.43	0.63	0.82	1.2	0.57	-0.26	0.47	-0.28	0.15	0.04
Diluted EPS from Cont Ops	0.43	0.63	0.82	1.2	0.57	-0.26	0.47	-0.28	0.15	0.04

Balance Sheet (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	62	98	167	54	79	1,006	413	724	1,002	1,007
+ Cash & Cash Equivalents	16	22	40	54	79	1,006	413	381	583	878
+ ST Investments	47	76	127	- -	- -	- -	- -	344	419	129
+ Accounts & Notes Receiv	- -	8	11	14	14	11	8	8	9	9
+ Accounts Receivable, Net	- -	8	11	14	14	11	8	8	9	9
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-62	-106	-178	-67	-93	-1,017	-421	-732	-1,011	-1,016
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	5	6	7	9	28	28	26	21	17	15
+ Property, Plant & Equip	16	17	20	24	44	45	44	38	35	33
- Accumulated Depreciation	11	12	13	14	16	17	19	17	18	17
+ LT Investments & Receivables	47	76	127	149	153	305	314	348	424	343
+ LT Investments	47	76	127	149	153	305	314	348	424	343
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-52	-81	-134	-158	-180	-333	-339	-369	-441	-358
+ Total Intangible Assets	- -	- -	6	11	10	6	3	2	2	1
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	6	11	10	6	3	2	2	1
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-52	-81	-140	-169	-190	-338	-342	-371	-442	-359
Total Assets	1,712	2,164	2,962	3,197	3,245	3,914	2,877	2,445	2,416	2,437
+ Payables & Accruals	20	29	41	51	103	60	37	47	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	20	29	41	51	103	60	37	47	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-20	-29	-41	-51	-103	-60	-37	-47	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-20	-29	-41	-51	-103	-60	-37	-47	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	326	358	403	358	314	404	235	131	63	12
+ LT Borrowings	326	358	403	358	294	383	215	115	50	- -
+ LT Finance Leases	- -	- -	- -	- -	20	20	19	16	13	12
+ Other LT Liabilities	-326	-358	-403	-358	-314	-404	-235	-131	-63	-12
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-326	-358	-403	-358	-314	-404	-235	-131	-63	-12
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,576	2,001	2,689	2,862	2,912	3,594	2,533	2,132	2,088	2,103
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	40	41	124	124	94	94	96	98	101	103
+ Common Stock	26	26	111	111	81	81	82	83	84	84
+ Additional Paid in Capital	14	15	12	13	13	14	14	15	17	19
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	97	121	150	211	238	225	248	234	242	244
+ Other Equity	-1	- -	- -	- -	- -	- -	-1	-20	-15	-14
Equity Before Minority Interest	136	162	273	335	333	320	344	313	328	334
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	136	162	273	335	333	320	344	313	328	334
Total Liabilities & Equity	1,712	2,164	2,962	3,197	3,245	3,914	2,877	2,445	2,416	2,437
Shares Outstanding	53	53	53	53	50	50	50	51	52	52
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	20	20	19	16	13	12
Net Debt	311	335	363	304	215	-622	-198	-265	-533	-878
Net Debt to Equity	228.08	206.7	132.73	90.85	64.74	-194.68	-57.48	-84.91	-162.7	-262.96
Tangible Common Equity Ratio	7.96	7.5	9.03	10.18	9.98	8.03	11.86	12.72	13.51	13.66
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

+ Net Income	23	33	38	63	29	-13	23	-14	7	2
+ Depreciation & Amortization	2	2	2	2	2	2	2	2	1	1
+ Non-Cash Items	-3	-10	- -	-12	20	37	9	19	-6	-8
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	1	1	2	3
+ Deferred Income Taxes	-1	-1	3	1	-6	-12	3	5	5	1
+ Asset Impairment Charge	- -	- -	2	2	4	5	- -	- -	- -	- -
+ Other Non-Cash Adj	-2	-8	-4	-15	22	45	5	13	-13	-12
+ Chg in Non-Cash Work Cap	3	3	5	7	10	-17	-4	-4	-28	3
+ (Inc) Dec in Accts Receiv	-2	-2	-3	-2	- -	3	3	- -	-1	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	6	10	12	10	5	-11	-22	-8	-30	-2
+ Inc (Dec) in Other	-2	-5	-4	-1	5	-9	15	5	3	5
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	24	29	44	61	61	9	31	2	-25	-2
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-2	-2	-4	-1	-1	-1	- -	- -	- -
+ Acq of Fixed Prod Assets	-1	-2	-2	-4	-1	-1	-1	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-6	- -	85	- -	-30	- -	1	- -	- -	- -
+ Increase in Capital Stock	- -	- -	85	- -	- -	- -	1	- -	- -	- -
+ Decrease in Capital Stock	-6	- -	- -	- -	-30	- -	- -	- -	- -	- -
+ Net Change in LT Investment	-19	-28	-56	-21	-2	-152	-13	-60	-67	87
+ Dec in LT Investment	53	67	177	136	148	244	137	95	82	306
+ Inc in LT Investment	-72	-95	-233	-157	-149	-397	-150	-154	-148	-219
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	-64	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	-64	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-441	-399	-716	-184	11	377	430	434	306	199
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-461	-429	-775	-209	8	224	352	374	238	286
+ Dividends Paid	-7	-9	-10	-2	-2	- -	- -	- -	- -	- -
+ Net Cash From Debt	177	20	74	-45	-64	89	-168	-100	-65	-50
+ Cash From Debt	1,575	5,054	4,557	6,222	2,476	100	- -	35	- -	- -
+ Repayments of Debt	-1,398	-5,034	-4,483	-6,267	-2,540	-11	-168	-135	-65	-50
+ Other Financing Activities	278	397	599	208	53	600	-803	-308	50	66
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	442	409	748	160	-43	688	-970	-408	-15	16
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	5	9	18	12	25	921	-587	-32	198	300
EBITDA	2	2	2	2	2	2	2	2	1	1
EBITDA Margin (%)	2.37	1.67	1.44	1.3	1.22	1.46	1.84	1.92	1.96	1.79
Free Cash Flow	23	27	42	57	59	8	30	2	-25	-2
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	64	- -	- -	- -
Free Cash Flow to Firm	23	27	42	57	59	- -	30	- -	-25	-2
Free Cash Flow to Equity	- -	47	116	12	-5	97	-138	-98	-90	-52
Free Cash Flow per Basic Share	0.43	0.5	0.91	1.07	1.16	0.15	0.59	0.04	-0.5	-0.04
Price/Free Cash Flow	- -	- -	12.43	5.68	6.66	23.65	9.03	111.57	-11.99	-120.15
Cash Flow to Net Income	1.09	0.86	1.17	0.95	2.08	-0.67	1.31	-0.16	-3.36	-0.99
Capital Expenditures	-1	-2	-2	-4	-1	-1	-1	- -	- -	- -