Sterling Bancorp, Inc. Financial Ratios — SBT Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	- -	24.64	18.6	21.76	9.12	-4.15	7.35	-4.38	2.3	0.65
Return on Assets (%)	- -	1.72	1.48	2.06	0.91	-0.36	0.69	-0.53	0.31	0.09
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.37	1.67	1.44	1.3	1.22	1.46	1.84	1.92	1.96	1.79
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	57.08	62.49	61.85	62.31	33.9	-17.14	34.56	-9.44	15.59	7.39
Profit Margin (%)	34	36.79	33.34	44.65	22.09	-11.78	24.47	-17.71	10.94	3.72
Net Income to Common Margin (%)	34	36.79	33.34	44.65	22.09	-11.78	24.47	-17.71	10.94	3.72
Effective Tax Rate (%)	40.44	41.13	46.09	28.34	34.85	- -	29.19	- -	29.81	49.69
Dvd Payout Ratio (%)	31.1	25.78	25.37	3.34	6.99	-3.85	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	18.29	13.88	21.03	8.48	-4.31	7.35	-4.38	2.3	0.65

Credit (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	326	358	403	358	314	404	235	131	63	12
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	326	358	403	358	314	404	235	131	63	12
Total Debt/EBITDA	207.92	237.09	245.51	193.63	193.74	251.14	133.83	85.18	46.98	11.25
Net Debt/EBITDA	197.98	222.42	221.05	164.63	132.84	-386.93	-112.61	-172.27	-400.6	-852.6
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.16	6.8	8.81	10.08	9.84	7.81	11.48	12.98	13.51	13.48
Long-Term Debt/Equity (%)	239.54	220.33	147.42	106.86	94.42	126.36	68.31	41.99	19.08	3.47
Long-Term Debt/Capital (%)	72.71	70.84	60.68	52.62	49.59	56.92	41.54	29.26	16.08	3.41
Long-Term Debt/Total Assets (%)	19.07	16.53	13.6	11.2	9.68	10.32	8.16	5.37	2.59	0.48
Total Debt/Equity (%)	239.54	220.33	147.42	106.86	94.42	126.36	68.31	41.99	19.08	3.47
Total Debt/Capital (%)	72.71	70.84	60.68	52.62	49.59	56.92	41.54	29.26	16.08	3.41
Total Debt/Total Assets (%)	19.07	16.53	13.6	11.2	9.68	10.32	8.16	5.37	2.59	0.48
Net Debt to Equity	228.08	206.7	132.73	90.85	64.74	-194.68	-57.48	-84.91	-162.7	-262.96
Net Debt/Capital (%)	71.73	69.5	58.15	48.57	38.84	210.18	-129.7	-391.11	274.32	163.18
EBITDA	2	2	2	2	2	2	2	2	1	1
EBITDA-CapEx	- -	- -	-1	-2	- -	1	1	1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.16	6.8	8.81	10.08	9.84	7.81	11.48	12.98	13.51	13.48
Long-Term Debt/Equity (%)	239.54	220.33	147.42	106.86	94.42	126.36	68.31	41.99	19.08	3.47
Long-Term Debt/Capital (%)	72.71	70.84	60.68	52.62	49.59	56.92	41.54	29.26	16.08	3.41
Long-Term Debt/Total Assets (%)	19.07	16.53	13.6	11.2	9.68	10.32	8.16	5.37	2.59	0.48
Total Debt/Equity (%)	239.54	220.33	147.42	106.86	94.42	126.36	68.31	41.99	19.08	3.47
Total Debt/Capital (%)	72.71	70.84	60.68	52.62	49.59	56.92	41.54	29.26	16.08	3.41
Total Debt/Total Assets (%)	19.07	16.53	13.6	11.2	9.68	10.32	8.16	5.37	2.59	0.48
CFO/Total Liabilities	1.55	1.43	1.65	2.12	2.09	0.24	1.21	0.11	-1.19	-0.1
CFO/CapEx	16.36	14.32	18.51	15.75	45.71	9.38	26.26	5.55	-52.78	-24.11
Altman's Z-Score	0.12	0.12	0.24	0.21	0.23	0.15	0.22	0.25	0.25	0.23

Working Capital (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	- -	22.12	11.59	11.36	9.72	8.91	10.23	10.33	8.29	6.73
Days Sales Outstanding	- -	16.5	31.5	32.13	37.55	40.96	35.68	35.35	44.01	54.25
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	- -	- -	582	366	413	226	288	307	292	243
- Cash & Cash Equivalents	16	22	40	54	79	1,006	413	381	583	878
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	326	358	403	358	314	404	235	131	63	12
Enterprise Value	264	260	818	671	649	-375	110	-286	-648	-753
Total Capital	449	505	664	680	633	709	565	449	389	340
Total Debt/Capital (%)	72.71	70.84	60.68	52.62	49.59	56.92	41.54	29.26	16.08	3.41
Total Debt / EV	1.24	1.38	0.49	0.53	0.48	-1.08	2.14	-0.46	-0.1	-0.02
EV/Sales	3.99	2.88	7.18	4.72	4.9	- -	1.15	- -	- -	- -
EV/EBITDA	168.25	172.29	498.28	362.63	400.16	- -	62.53	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	10.78	9.05	18.41	11.07	10.67	- -	3.57	- -	- -	- -
EV/Free Cash Flow to Firm	10.16	8.46	17.47	10.41	10.44	- -	3.44	- -	- -	- -
Diluted Market Cap	- -	- -	582	366	414	226	288	308	293	244
Diluted Enterprise Value	311	335	945	671	649	-375	110	58	-228	-622
EV per Share	4.99	4.91	17.69	12.66	12.69	- -	2.19	- -	- -	- -
TTM Sales	66	90	114	142	132	110	96	80	68	58
TTM EBITDA	2	2	2	2	2	2	2	2	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	24	29	44	61	61	9	31	2	-25	-2
TTM Free Cash Flow to Firm	26	31	47	64	62	10	32	3	-24	-2

Multiples (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	- -	- -	12.43	5.68	6.66	23.65	9.03	111.57	-11.99	-120.15
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	264	260	818	671	649	-375	110	-286	-648	-753
Low Price	- -	- -	11.89	6.65	6.75	2.52	4.33	5.61	4.22	4.4
EV/Sales	3.99	2.88	7.18	4.72	4.9	- -	1.15	- -	- -	- -
EV/EBITDA	168.25	172.29	498.28	362.63	400.16	- -	62.53	- -	- -	- -
Price/Earnings	- -	- -	15.32	5.77	14.14	- -	12.3	- -	39.41	113.48
Price/Earnings Average	- -	- -	15.39	10.12	16.58	-16.15	10.93	-22.16	39.01	121.02
Price/Earnings High	- -	- -	16.78	12.5	18.84	-31.48	12.73	-25.75	43.44	142.33
Price/Earnings Low	- -	- -	14.47	5.55	11.8	-9.71	9.27	-19.9	28.79	104.9
Price/Book Value	- -	- -	2.23	1.14	1.3	0.74	0.87	0.97	0.9	0.74
Price/Book Value Average	- -	- -	2.24	1.99	1.52	0.68	0.77	0.99	0.89	0.79
Price/Book Value High	- -	- -	2.44	2.46	1.73	1.34	0.9	1.15	0.99	0.93
Price/Book Value Low	- -	- -	2.11	1.09	1.08	0.41	0.66	0.89	0.65	0.68
Price/Tangible Book Value	- -	- -	2.18	1.13	1.28	0.72	0.84	0.99	0.9	0.73
Price/Tangible Book Value Average	- -	- -	2.19	1.98	1.5	0.67	0.75	1.01	0.89	0.78
Price/Tangible Book Value High	- -	- -	2.39	2.45	1.71	1.3	0.87	1.18	0.99	0.91
Price/Tangible Book Value Low	- -	- -	2.06	1.09	1.07	0.4	0.64	0.91	0.65	0.67
Price/Sales	- -	- -	5.11	2.58	3.12	2.06	3.01	3.83	4.31	4.22
Price/Sales Average	- -	- -	5.13	4.52	3.66	1.9	2.68	3.92	4.27	4.5
Price/Sales High	- -	- -	5.6	5.58	4.16	3.71	3.12	4.56	4.75	5.29
Price/Sales Low	- -	- -	4.83	2.48	2.61	1.14	2.27	3.52	3.15	3.9
Price/Cash Flow	- -	- -	13.1	6.04	6.8	26.17	9.36	131.14	-11.73	-114.34
Price/Cash Flow Average	- -	- -	13.16	10.61	7.98	24.21	8.32	134.51	-11.61	-121.93
Price/Cash Flow High	- -	- -	14.35	13.1	9.06	47.21	9.69	156.34	-12.93	-143.4
Price/Cash Flow Low	- -	- -	12.38	5.81	5.68	14.56	7.05	120.81	-8.57	-105.69
Price/Free Cash Flow Average	- -	- -	12.48	9.97	7.81	21.88	8.03	114.44	-11.87	-128.13
Price/Free Cash Flow High	- -	- -	13.62	12.32	8.87	42.66	9.35	133	-13.22	-150.69
Price/Free Cash Flow Low	- -	- -	11.74	5.47	5.56	13.15	6.8	102.77	-8.76	-111.06
EV/Sales Average	4.69	3.71	8.31	6.66	5.44	- -	0.81	0.81	- -	- -
EV/Sales High	4.69	3.71	8.78	7.72	5.94	- -	1.25	1.45	- -	- -
EV/Sales Low	4.69	3.71	8.01	4.62	4.38	- -	0.4	0.41	- -	- -
EV/EBITDA Average	197.98	222.42	577.13	512.07	444.24	-243.98	44.23	42.2	-173.9	-590.15
EV/EBITDA High	197.98	222.42	609.45	593.72	485.03	-120.33	68.23	75.3	-149.24	-545.91
EV/EBITDA Low	197.98	222.42	556.03	355.12	357.95	-295.92	22.01	21.4	-230.84	-623.61
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	12.59	6.91	8.09	4.54	5.75	6.09	5.77	4.76
High Price	- -	- -	13.79	14.98	10.78	8.19	5.95	7.26	6.36	5.97
Enterprise Value Average	311	335	947	947	720	-392	78	65	-231	-608
Enterprise Value High	311	335	1,000	1,098	786	-193	120	116	-199	-562
Enterprise Value Low	311	335	912	657	580	-476	39	33	-307	-642

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Shares Outstanding	53	53	53	53	50	50	50	51	52	52
Diluted Weighted Avg Shares	53	53	46	53	51	50	50	51	51	51
Basic Weighted Avg Shares	53	53	46	53	51	50	50	50	51	51
Revenue per Share	1.25	1.71	2.46	2.68	2.59	2.21	1.91	1.59	1.34	1.13
EBITDA per Share	0.03	0.03	0.04	0.03	0.03	0.03	0.04	0.03	0.03	0.02
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	0.13	0.16	0.21	0.04	0.04	0.01	- -	- -	- -	- -
Cash Flow per Share	0.46	0.54	0.96	1.14	1.19	0.17	0.61	0.05	-0.49	-0.04
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
Cash & Equivalents per Share	1.18	1.85	3.61	1.01	1.54	20.17	8.25	14.39	19.8	19.76
Book Value per Share	2.31	2.78	5.65	6.09	6.24	6.13	6.6	6.3	6.44	6.44
Tangible Book Value per Share	2.57	3.06	5.77	6.13	6.32	6.3	6.81	6.17	6.44	6.53

Sterling Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)