SBT — Stock Film
STOCK FILMSCENE 1/11SBT · $4.84
Stock Expert AI presents
SBT
Sterling Bancorp, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Sterling Bancorp, Inc. A quick introduction.

On the stock market since 2017, it operates in the world of money and finance. It has 216 employees. Now — the numbers.

on the stock market since 2017
216 employees
$253.1M market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $2 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 2%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
73%Investment Management and Advisory Fees
Investment Management and Advisory Fees 73%Service Charges and Fees 27%
73% of all revenue comes from a single line: Investment Management and Advisory Fees.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 5% a year over the last 4 years. Red columns mark years that ended in a loss.

$110.1M
2020
$95.6M
2021
$80.1M
2022
$76.3M
2023
$135.1M
2024
Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
2 / 8
EXPECTATIONS MET OR BEATEN
2
May 2023
Jul 2023
Oct 2023
Jan 2024
Apr 2024
Jul 2024
Oct 2024
Jan 2025
2 TIMES IN THE LAST 8 QUARTERS
It misses the bar more often than not.
THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

WEAK SPOTS
The stock has lost its spark0/10
Costs eat into the margin4/10
WORTH WATCHING

Cost Efficiency: As sales grow, profit fails to keep the same pace.

THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 32% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/2
Sales keep climbing

Over the last 3 years, sales grew about 12% a year on average.

2
THE BRIGHT SIDE · 2/2
Pays a steady dividend

It pays out $4.85 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/3
A rich price tag

The company’s market value is 118 times its annual profit. Even a small disappointment could hit the price hard.

2
THE RISKS · 2/3
The stock has lost its spark

Since the drop from its peak, buyer appetite hasn’t come back. Council score: 0/10.

3
THE RISKS · 3/3
Costs eat into the margin

Costs swallow the gains that sales growth brings in. Council score: 4/10.

FINALE · THE GRADE
C
0 / 100 · MoonshotScore

On our five-subject report card, SBT sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: SBT is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

What would you like to do next?
Open the stock page →
This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film