Net interest margin expansion or compression driven by Fed policy and deposit beta
Credit quality metrics - non-performing loans, charge-offs, and provision expense relative to loan book
Loan portfolio growth in commercial real estate and residential mortgages in Michigan markets
Deposit franchise stability and cost of funds versus regional competitors
high - Regional community banks are highly sensitive to local economic conditions. Michigan's economy (manufacturing, automotive exposure) directly impacts commercial loan demand, credit quality, and residential mortgage origination. Recession drives loan losses, reduces origination volumes, and pressures NIMs as quality borrowers refinance or prepay. The negative FCF and minimal ROE suggest the bank is already experiencing stress.
High sensitivity with complex dynamics. Rising rates initially compress NIM if deposit costs reprice faster than loan yields (negative deposit beta), but eventually expand NIM as variable-rate loans and new originations reprice higher. However, rate increases reduce mortgage refinancing activity (fee income) and can pressure commercial real estate valuations (collateral risk). As of February 2026, if the Fed has held rates elevated, the bank may be experiencing margin pressure from deposit competition while benefiting from higher loan yields on new originations.
Secular shift to digital banking and fintech competition eroding community bank deposit franchises, particularly among younger demographics
Regulatory burden disproportionately impacts small banks (compliance costs, capital requirements) versus larger competitors with scale advantages
Consolidation pressure in regional banking - sub-scale institutions face M&A risk or need to merge to compete effectively
value - Trading at 0.7x book value attracts deep value investors betting on asset quality stabilization, turnaround potential, or M&A takeout premium. The minimal returns and negative FCF deter growth and income investors. Likely held by distressed/special situations funds or regional bank specialists looking for mean reversion or strategic buyer interest.
1 signal unavailable — limited data for this stock
Trend
+1.9% vs SMA 50 · -2.6% vs SMA 200
Momentum
ANALYST ESTIMATES
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $74.5M $74.5M–$74.5M | — | $0.15 | — | — | Low1 |
FY2024 | $60.0M $60.0M–$60.0M | ▼ -19.4% | $0.10 | ▼ -34.3% | — | Low1 |
FY2025 | $64.1M $64.1M–$64.1M | ▲ +6.7% | $0.14 | ▲ +40.0% | — | Low1 |
INSTITUTIONAL OWNERSHIP
SBT News
About
Sterling Bancorp, Inc. is a unitary thrift holding company. Its wholly owned subsidiary, Sterling Bank and Trust, FSB, has primary branch operations in San Francisco and Los Angeles, California, New York City and Bellevue, Washington. Sterling offers a range of loan products to the residential and commercial markets, as well as retail and business banking services. Sterling also has an operations center and a branch in Southfield, Michigan.
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
SBT◀ | $4.84 | +0.00% | $253M | 115.4 | +7717.5% | 158.2% | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | +330.7% | 2039.3% | 1503 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1500 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1490 | |
| $49.77 | -0.16% | $353.2B | 11.4 | -45.1% | 1592.6% | 1495 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1526 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1526 | |
| Sector avg | — | -0.31% | — | 32.8 | +1684.0% | 2315.5% | 1506 |