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Upturn AI SWOT - About
SBT 
Sterling Bancorp Inc (SBT)
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Upturn Advisory Summary
03/27/2025: SBT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -7.67% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 252.67M USD | Price to earnings Ratio 40.25 | 1Y Target Price 7 |
Price to earnings Ratio 40.25 | 1Y Target Price 7 | ||
Volume (30-day avg) 48857 | Beta 0.52 | 52 Weeks Range 4.40 - 5.97 | Updated Date 03/30/2025 |
52 Weeks Range 4.40 - 5.97 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.88% | Operating Margin (TTM) 6.03% |
Management Effectiveness
Return on Assets (TTM) 0.25% | Return on Equity (TTM) 1.86% |
Valuation
Trailing PE 40.25 | Forward PE - | Enterprise Value -450928992 | Price to Sales(TTM) 3.86 |
Enterprise Value -450928992 | Price to Sales(TTM) 3.86 | ||
Enterprise Value to Revenue 4.6 | Enterprise Value to EBITDA - | Shares Outstanding 52313300 | Shares Floating 6268697 |
Shares Outstanding 52313300 | Shares Floating 6268697 | ||
Percent Insiders 66.98 | Percent Institutions 27.45 |
Analyst Ratings
Rating 4 | Target Price 6.5 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Sterling Bancorp Inc
Company Overview
History and Background
Sterling Bancorp, Inc., formerly Astoria Financial Corporation, was founded in 1888. Initially a savings and loan association, it grew through acquisitions and organic expansion. Key milestones include its IPO and subsequent mergers. Sterling Bancorp merged with Webster Financial Corporation in 2022 and ceased to exist as an independent entity. Therefore, this analysis is of its historical performance prior to the merger.
Core Business Areas
- Retail Banking: Offered deposit accounts, mortgages, and other consumer banking products.
- Commercial Banking: Provided loans, lines of credit, and other financial services to businesses.
- Wealth Management: Offered investment advisory services and financial planning.
Leadership and Structure
Prior to the merger, the company had a Board of Directors and a management team led by the CEO. The organizational structure included various departments for retail banking, commercial banking, wealth management, and support functions.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Primary product offering. Market share varied regionally and competed with large national banks and mortgage companies like Wells Fargo, JPMorgan Chase, and Bank of America. Data unavailable for specific market share.
- Commercial Real Estate Loans: Loans for commercial properties. Competed with regional and national banks.
- Deposit Accounts: Checking, savings, and money market accounts. Competed with all retail banks.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. It is subject to interest rate fluctuations, economic cycles, and increasing fintech disruption.
Positioning
Prior to the merger, Sterling Bancorp positioned itself as a regional bank focused on relationship banking and community involvement. It competed with larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for banking services is substantial, encompassing all individuals and businesses requiring financial services. Sterling Bancorp aimed for a regional share of this TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Experienced management team
Weaknesses
- Limited geographic reach
- Lower brand recognition compared to national banks
- Dependence on interest rate environment
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- JPM
- BAC
- USB
- KEY
Competitive Landscape
Sterling Bancorp competed with larger national banks with more resources and smaller community banks with deeper local ties. Its competitive advantage was its regional focus and relationship-based banking model.
Major Acquisitions
Merger with Webster Financial Corporation
- Year: 2022
- Acquisition Price (USD millions):
- Strategic Rationale: The merger created a larger, more diversified financial institution with increased scale and efficiency.
Growth Trajectory and Initiatives
Historical Growth: Historical growth was driven by organic expansion and acquisitions. Specific figures are not available.
Future Projections: Future projections are not applicable as the company no longer exists as an independent entity.
Recent Initiatives: Recent initiatives focused on improving digital banking capabilities and expanding commercial lending services prior to the merger.
Summary
Sterling Bancorp was a regional bank focused on relationship banking that merged with Webster Financial Corporation in 2022. Prior to the merger, its strengths included a strong regional presence and established customer relationships. Weaknesses included limited geographic reach compared to national players. The company needed to continue adapting to the changing fintech landscape and regulatory environment.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
KEY
KeyCorp
KEY
KeyCorp
USB
U.S. Bancorp
USB
U.S. Bancorp
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- SEC filings
- Company website (historical)
- Industry reports
Disclaimers:
This analysis is based on publicly available information and historical data. It does not constitute financial advice. The information may be outdated due to the company's merger.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sterling Bancorp Inc
Exchange NASDAQ | Headquaters Southfield, MI, United States | ||
IPO Launch date 2017-11-17 | Chairman, President & CEO Mr. Thomas M. O'Brien | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 216 | Website https://www.sterlingbank.com |
Full time employees 216 | Website https://www.sterlingbank.com | ||
Sterling Bancorp, Inc. (Southfield, MI) operates as the unitary thrift holding company for Sterling Bank and Trust, F.S.B. that provides community banking services to individuals and businesses. The company offers checking, savings, money market, term certificate, and individual retirement accounts, as well as certificates of deposit. It also provides residential mortgage, commercial and industrial, commercial real estate, construction, and consumer loans, as well as commercial lines of credit and private banking services. The company was founded in 1984 and is headquartered in Southfield, Michigan.
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