Sterling Bancorp, Inc. (SBT)
ValueMarkers Composite Index
75% below intrinsic value ($19)
Sterling Bancorp, Inc. (SBT) — VMCI valuation read
Composite valuation read on SBT: VMCI 51/100 against a Financial Services sector median of 50. The 1-point above-median print is the headline number for Sterling Bancorp, Inc., and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for SBT: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on SBT: SBT trades at 15.0x earnings, 17% below the Financial Services median of 18.0x; ROIC of 9.0% trails the Financial Services median (10.0%) by 1.0pp; net debt to EBITDA of 1.2x leaves covenant headroom. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
SBT rose 0.7% over the trailing 7 days, with a -1.7% read on a 30-day basis.
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. It offers checking, savings, and money market accounts, as well as IRAs and certificates of deposit; and one- to four-family residential, commercial, commercial real estate, construction, and consumer loans, as well as commercial lines of credit. The company also provides retail banking services. It operates through a network of 28 branches in San Francisco and Los Angeles, California; New York, New York; and Southfield, Michigan. The company was founded in 1984 and is headquartered in Southfield, Michigan.
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