NYSE:STI.PRA

Stock Analysis Report

Executive Summary

SunTrust Banks, Inc. operates as the holding company for SunTrust Bank that provides various financial services for consumers, businesses, corporations, institutions, and not-for-profit entities in the United States.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.


Similar Companies

Share Price & News

How has SunTrust Banks's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.04%

NYSE:STI.PRA

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-2.3%

NYSE:STI.PRA

-16.1%

US Banks

-3.0%

US Market

STI.PRA outperformed the Banks industry which returned -16.1% over the past year.

STI.PRA matched the United States of America Market (-3%) over the past year.


Share holder returns

STI.PRAIndustryMarket
7 Day0.04%-1.8%-1.6%
30 Day0.8%-10.6%-5.8%
90 Day3.8%-5.0%0.2%
1 Year2.3%-2.3%-13.7%-16.1%-0.8%-3.0%
3 Year10.3%-3.0%37.9%28.5%38.0%29.1%
5 Year30.0%5.7%49.4%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is SunTrust Banks's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is SunTrust Banks undervalued based on future cash flows and its price relative to the stock market?

10.3x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

SunTrust Banks's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

SunTrust Banks's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

SunTrust Banks is good value based on earnings compared to the US Banks industry average.

SunTrust Banks is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

SunTrust Banks is poor value based on expected growth next year.


Price Based on Value of Assets

SunTrust Banks is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is SunTrust Banks expected to perform in the next 1 to 3 years based on estimates from 16 analysts?

3.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

SunTrust Banks's revenue is expected to grow by 1.7% yearly, however this is not considered high growth (20% yearly).

SunTrust Banks's earnings are expected to grow by 3.6% yearly, however this is not considered high growth (20% yearly).

SunTrust Banks's revenue growth is positive but not above the United States of America market average.

SunTrust Banks's earnings growth is positive but not above the United States of America market average.

SunTrust Banks's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

SunTrust Banks is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has SunTrust Banks performed over the past 5 years?

10.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

SunTrust Banks's year on year earnings growth rate has been positive over the past 5 years.

SunTrust Banks's 1-year earnings growth is less than its 5-year average (1.7% vs 10.9%)

SunTrust Banks's earnings growth has not exceeded the US Banks industry average in the past year (1.7% vs 33.1%).


Return on Equity

SunTrust Banks has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

SunTrust Banks used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if SunTrust Banks improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is SunTrust Banks's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

SunTrust Banks has an acceptable proportion of non-loan assets held.

SunTrust Banks has a sufficient allowance for bad loans.

SunTrust Banks's liabilities are made up of primarily low risk sources of funding.

SunTrust Banks's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at SunTrust Banks are broadly funded by customer deposits.

SunTrust Banks has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is SunTrust Banks's current dividend yield, its reliability and sustainability?

3.78%

Expected Dividend Yield


Upcoming Dividend Payment

Purchase SunTrust Banks before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

SunTrust Banks's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

SunTrust Banks's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.9x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (2.4x coverage).


Next Steps

Management

What is the CEO of SunTrust Banks's salary, the management and board of directors tenure and is there insider trading?

1.5yrs

Average management tenure


CEO

Bill Rogers (61yo)

8.2yrs

Tenure

US$8,815,914

Compensation

Mr. William Henry Rogers, Jr., also known as Bill, serves as Chairman of SunTrust Banks, Inc. since January 1, 2012 and has been its Chief Executive Officer since June 2011. He is the Chairman & Chief Exec ...


CEO Compensation Analysis

Bill's remuneration is about average for companies of similar size in United States of America.

Bill's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

1.5yrs

Average Tenure

56yo

Average Age

The average tenure for the SunTrust Banks management team is less than 2 years, this suggests a new team.


Board Age and Tenure

4.3yrs

Average Tenure

64yo

Average Age

The tenure for the SunTrust Banks board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Steve Voorhees (65yo)

    Director

    • Tenure: 1.6yrs
    • Compensation: US$229.00k
  • Ellen Fitzsimmons (58yo)

    General Counsel

    • Tenure: 1.6yrs
  • Bill Rogers (61yo)

    Chairman & CEO

    • Tenure: 8.2yrs
    • Compensation: US$8.82m
  • Mark Chancy (54yo)

    Vice Chairman and Co-COO

    • Tenure: 1.5yrs
    • Compensation: US$5.25m
  • Beau Cummins (56yo)

    Co-COO & Wholesale Segment Executive

    • Tenure: 1.5yrs
    • Compensation: US$4.82m
  • Ann Reams

    Compliance Officer

    • Tenure: 0.0yrs
  • Ankur Vyas

    Director of Investor Relations & Assistant Treasurer

    • Tenure: 0.0yrs
  • Laura Dukes (44yo)

    Corporate Executive VP & CFO

    • Tenure: 1.4yrs
    • Compensation: US$2.64m
  • Ernie Dawal

    Chief Investment Officer

    • Tenure: 8.1yrs
  • Scott Case (48yo)

    Corporate Executive VP & Chief Information Officer

    • Tenure: 1.5yrs
    • Compensation: US$2.78m

Board Members

  • David Ratcliffe (70yo)

    Lead Director

    • Tenure: 0.6yrs
    • Compensation: US$281.50k
  • Dallas Clement (54yo)

    Director

    • Tenure: 3.7yrs
    • Compensation: US$232.00k
  • Steve Voorhees (65yo)

    Director

    • Tenure: 1.6yrs
    • Compensation: US$229.00k
  • Paul Garcia (67yo)

    Director

    • Tenure: 5.0yrs
    • Compensation: US$233.50k
  • Donna Morea (64yo)

    Director

    • Tenure: 7.3yrs
    • Compensation: US$264.00k
  • Bill Rogers (61yo)

    Chairman & CEO

    • Tenure: 8.2yrs
    • Compensation: US$8.82m
  • David Fuller

    Chairman of SunTrust Bank Central Florida div

    • Tenure: 7.4yrs
  • David Stevens (62yo)

    Chairman and CEO of Central Carolina Division

    • Tenure: 0.0yrs
  • Gary Peacock

    Chairman

    • Tenure: 0.0yrs
  • Manny Perdomo

    Chairman of South Florida div

    • Tenure: 3.0yrs

Company Information

SunTrust Banks, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: SunTrust Banks, Inc.
  • Ticker: STI.PRA
  • Exchange: NYSE
  • Founded: 1891
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$26.214b
  • Shares outstanding: 443.93m
  • Website: https://www.suntrust.com

Number of Employees


Location

  • SunTrust Banks, Inc.
  • 303 Peachtree Street, N.E.
  • Atlanta
  • Georgia
  • 30308
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
STINYSE (New York Stock Exchange)YesCommon StockUSUSDJul 1985
SUUDB (Deutsche Boerse AG)YesCommon StockDEEURJul 1985
0LATLSE (London Stock Exchange)YesCommon StockGBUSDJul 1985
STI *BMV (Bolsa Mexicana de Valores)YesCommon StockMXMXNJul 1985
STI.PRANYSE (New York Stock Exchange)PFD 1/4000 AUSUSDSep 2006
A1ZR91DB (Deutsche Boerse AG)5.625%-FRN SUB PERP USD 'F'DEUSDNov 2014

Biography

SunTrust Banks, Inc. operates as the holding company for SunTrust Bank that provides various financial services for consumers, businesses, corporations, institutions, and not-for-profit entities in the Uni ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:54
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.