Event-Driven Stocks

STERLING BANCORP

Financials · National Commercial Banks · DE · SEC filings ↗ · Compare ⊕

Signs● 2 good● 2 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY20FY19FY18FY17FY16FY15
Revenue$23.9M$26.4M$26.8M$17.1M$15.2M—
Operating income——————
Net income$14.1M$101.4M$447.3M$93.0M$140.0M$66.1M
Total assets$29.82B$30.59B$31.38B$30.36B$14.18B$11.96B
Total liabilities$25.23B$26.06B$26.95B$26.12B$12.32B$10.29B
Equity$4.59B$4.53B$4.43B$4.24B$1.86B$1.67B
EPS (diluted)$0.06$0.47$1.95$0.58$1.07$0.60
Shares out.198.0M212.7M224.7M135.6M130.5M130.0M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2020
Operating margin
—
Net margin
59.2%
Return on equity
0.3%
Return on assets
0.0%
Return on capital (ROCE)
—
Liabilities / assets
84.6%
Debt / equity
5.50×
Book value / share
$23.19
Revenue growth (YoY)
−9.5%
Net income growth (YoY)
−86.1%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2020
Accruals / assets
−1.3%clean
Piotroski F-Score
5/7mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
57
/ 100
Profitability 100Growth 0Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 2 warning● 2 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • Revenue declined year-over-year
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)